Sr. Group Underwriter

lincoln financial group is a Fortune 500 company offering a diverse range of financial services and solutions. With a strong focus on four core business areas - life insurance, annuities, retirement plan services, and group protection - our business is built around supporting, preserving, and enhancing our customers lifestyles and providing better retirement outcomes. Led by over 8,000 employees, Lincoln Financial provides the tools and advice to help individuals take charge of their futures.Essential Duties and Responsibilities

• Evaluates risk to determine pricing and plan designs, amendments and renewals using established Underwriting guidelines. Works within a defined authority level matrix which includes experience rating and large case risk analysis. Follows the pre-established appeal process and completes Underwriting Audits to ensure adherence and consistency to Business Guidelines and procedures.
• Analyzes specifications on non-experienced and experienced rated cases, particularly Large and or Complex cases, using established underwriting guidelines to determine eligibility and pricing.
• Prepares proposals/renewals/amendments by reviewing quote requests, including Key Accounts, from brokers and marketing representatives analyzing group statistical data, actuarial reports and market information to determine group eligibility and coverage pricing rates.
• Negotiates benefits and pricing on non-experienced rated and experienced rated cases, including Large Cases, with brokers and representatives, using established underwriting guidelines.
• Reviews sold policies, amendments and renewals to ensure minimal deviation from original requests to ensure adequate pricing and coverage.
• Provides sales assistance information to brokers and marketing representatives for non-experienced and experienced rated groups, including Large Cases, by answering questions and requests, quoting rates and explaining underwriting products, policies and procedures.
• Acts as a mentor to Quoters and Kick-Out Quoters.
• Reviews and recommends changes to Underwriting guidelines and procedures for all lines of coverage.
• Completes audits of Associate Underwriters, Group Underwriters and Kick-Out Quoters to ensure Underwriting decisions are consistent with established guidelines.
• Occasionally completes special projects as assigned to meet department goals and standards. (Less than 5% production work required).
• Communicates frequently by telephone and written correspondence with internal and external customers to clarify and resolve underwriting information.
• Maintains customer confidence by keeping all information confidential to protect company operations.
• Travels occasionally to customers and Field offices to meet customer needs and represent company at industry meetings.

 Requirements

• 3-5 years of Underwriting experience; expert in Life, STD, LTD and/or Dental, as well as voluntary products and large cases (1000+ lives)
• Life, STD, LTD and/or Dental product knowledge
• Experience rating capabilities in Life, STD, LTD and/or Dental
• Industry courses preferred
• Strong math and communication skills
• Proven decision making skills
• Proven negotiation and problem solving skills
• Ability to work independently of others
• Expert knowledge of Microsoft Excel Basic Training

Country: USA, State: Nebraska, City: Omaha, Company: Lincoln Financial Group.