Specialist Group Underwriting Specialty Health

Lincoln Financial Group

Specialist, Group Underwriting (Specialty Health)

Providence ,

Rhode Island

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Alternate Locations:


Work from Home; Atlanta, GA (Georgia); Charlotte, NC (North Carolina); Dover, NH (New Hampshire); Fort Wayne, IN (Indiana); Omaha, NE (Nebraska); Phoenix, AZ (Arizona); Radnor, PA (Pennsylvania); US All Regions
Work Arrangement:

Hybrid/Flexible :
Work at home and use the office as appropriate for in-person collaboration.
Relocation assistance:


is not available for this opportunity.
Requisition #:


73274
The Role at a Glance
As an Underwriting Specialist on the Specialty Health team, you will be responsible for underwriting Supplemental Health and Dental/Vision products. You will perform and deliver on routine assignments / projects while simultaneously leveraging and applying your knowledge. You will assess financial risks related to insurance products, determine price at which LFG will accept risks, alter coverage plans/levels based on risk & pricing, and bind LFG in transactions for insurance products. You will determine whether to accept or reject a risk based on your analysis of the customer's information.
What you'll be doing
Underwriting new business opportunities for profitable growth. Underwriting includes, but is not limited to, financial risk assessment, contract comparison, demographic analysis, and experience-rating.
Completing RFP documents including proposals, questionnaires, bid forms and online quote platforms.
Mentor non-Specialty Health underwriters on Supplemental Health and Dental/Vision products
Maintaining proficiency of Lincoln's pricing and reporting tools.
Managing an assigned inforce book of business by handling change requests and renewals.
Developing and maintaining relationships with assigned field offices.
Consulting and negotiating with Distribution partners.
Collaborating with core underwriters to coordinate proposals and renewals on shared customers.
Coordinating with operational teams to ensure accurate preparation of plans with appropriate coverage levels and pricing.
Identifying and communicating process improvements that improve efficiency and/or quality of work.
Participating in projects related to process improvements, documentation and increasing underwriting knowledge and acumen.
Adhering to Lincoln's underwriting guidelines and authority limits.
Assisting with other assignments/projects as needed during peak and off-seasons.
Maintaining knowledge of current and emerging trends and taking appropriate actions to incorporate into underwriting practices to maintain Lincoln's competitive advantage.
Promoting and enhancing organizational initiatives by positively influencing and supporting change management and/or departmental/enterprise initiatives.
Adhering to departmental and corporate compliance documentation and reporting requirements.
What we're looking for
Must-Haves:

4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's) (Minimum Required)
1 - 3+ Years of Supplemental Health and/or Dental underwriting experience directly aligned to the specific responsibilities for this role. (Required)
What's it like to work here?
At Lincoln Financial Group, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.
What's in it for you:

Clearly defined career tracks and job levels, along with associated behaviors for each Lincoln leadership Attribute.
Leadership development and virtual training opportunities
PTO/parental leave
Competitive 401K and employee benefits (***/misc/HR/Recruiting/BenefitsResourcesGuide.pdf)
Free financial counseling, health coaching and employee assistance program
Tuition assistance program
A leadership team that prioritizes your health and well-being; offering a remote work environment and flexible work hybrid situations
Effective productivity/technology tools and training
Pay Range:


$53,500 - $92,500
Actual base pay could vary based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln's total rewards package for employees. In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual. Other rewards may include long-term incentives, sales incentives and Lincoln's standard benefits package.
About The Company
Lincoln Financial Group helps people to plan, protect and retire with confidence. As of Dec. 31, 2023, approximately 17 million customers trust our guidance and solutions across four core businesses - annuities, life insurance, group protection and retirement plan services. As of December 31, 2023, the company had $295 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, Pa., Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:
LNC) and its affiliates. Learn more at LincolnFinancial.com.
Lincoln is committed to creating a diverse and inclusive (***/public/aboutus/companyoverview/diversityinclusion?audience_page_id=***6) environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.
Follow us on Facebook (***/lincolnfinancialgroup) , X (***/lincolnfingroup) , LinkedIn (***/company/4307?trkInfo=tas%3Alincoln+financial%2Cidx%3A3-1-3&trk=tyah) , and Instagram (***/lincolnfingroup/) . For the latest company news, visit our newsroom (***/public/aboutus/newsroom) .
Be Aware of Fraudulent Recruiting Activities
If you are interested in a career at Lincoln, we encourage you to review our current openings and apply on our website. Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters.
Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview. Please contact Lincoln's fraud team at *** if you encounter a recruiter or see a job opportunity that seems suspicious.
Additional Information
This position may be subject to Lincoln's Political.