Jobs in Cleveland, United States

Alternate Locations: Work from Home

Work Arrangement:

Remote : Work at home employee residing outside of a commutable distance to an office location.

Relocation assistance: is not available for this opportunity.

Requisition #: 74895

As a Consultant I, you will consult, analyze, and deliver on more complex assignments/projects within the Underwriting function. You will also act as a resource to internal/external stakeholders. You will independently assess more complex & higher value 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 upon their analysis of the customer’s information.

• Reviews more complex new business and renewal requests for proposals/ coverage(s) for Life and Disability product lines in the Regional segment with 750 to 4,999 (primary segment is 750 to 1,999).
• Recommends potential modifications in more complex coverage(s) and/or coverage levels on insurance products based on customer's price range.
• Adds more complex amendments/ACRs for their assigned lines of coverage and segment(s).
• Analyzes more complex customer data & information to independently determine the price, within a wider range of authority, at which to accept the risks posed by sales.
• Generally operates independently unless case premium is beyond role authority level or extremely complex risk issues are prevalent (i.e. participating contracts, block business, etc.).
• Negotiates more complex benefits & pricing on non-experienced rated & experienced rated cases with brokers & representatives.
• Analyzes financial health, performance, operations, and personnel levels of customers to determine if additional safeguards or conditions should be included in pricing and risk assessment.
• Contributes to overall growth and profit objectives.
• Independently determines if requests for coverage should be rejected based on their risk assessment.
• Binds LFG in financial transactions within their scope of authority by committing LFG to provide insurance coverage at their determined rates.
• Independently prepares and determines coverage & pricing proposals, renewals, amendments through analysis of customer data & information received from quote requests from brokers & marketing representatives.
• Liaises with operational teams to ensure accurate preparation of plans with appropriate coverage level(s) & pricing.
• Meets with brokers and sales teams to develop relationships, discuss target markets and potential pricing approaches to expand market share.
• Adheres to departmental and compliance documentation & reporting requirements.
• Routinely assists with other assignments/projects as needed during peak and off-season.
• Maintains knowledge on current and emerging developments/trends, assesses the impact, and collaborates with management to incorporate new trends and developments in current and future solutions.
• Champions and enhances organizational initiatives by positively influencing and supporting change management and/or departmental/enterprise initiatives within.
• Serves as a resource to team members and applicable internal/external stakeholders on more complex assignments/projects.
• Identifies and recommends process improvements that significantly reduce workloads or improve quality.

Must-haves:

• 3+ Years of group life and/or disability underwriting experience directly aligned to the specific responsibilities for this role.
• 4 Year/Bachelor's degree or equivalent work experience (4 years of experience in lieu of Bachelor's)

Applications for this position will be accepted through 9/21/2025 subject to earlier closure due to applicant volume.

At Lincoln Financial, 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.

• Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes
• Leadership development and virtual training opportunities
• PTO/parental leave
• Competitive 401K and employee benefits
• Free financial counseling, health coaching and employee assistance program
• Tuition assistance program
• Work arrangements that work for you
• Effective productivity/technology tools and training

The pay range for this position is $69,000 - $124,600 with anticipated pay for new hires between the minimum and midpoint of the range and could vary above and below the listed range as permitted by applicable law. Pay is 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.

Lincoln Financial (NYSE: LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services.

With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach.

Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice.

Lincoln is committed to creating an inclusive 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.

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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 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 fraudhotline@lfg.com if you encounter a recruiter or see a job opportunity that seems suspicious.

Additional Information

This position may be subject to Lincoln’s Political Contribution Policy. An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln’s current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial are considered property of Lincoln Financial and are not subject to payment of agency fees.

Lincoln Financial is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex, age, national origin or disability. Opportunities throughout Lincoln are available to employees and applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling 260-455-2558.

This Employer Participates in E-Verify. See the E-Verify notices.

Este Empleador Participa en E-Verify. Ver el E-Verify avisos.

Lincoln Financial Group is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex (including pregnancy), age, national origin or disability. Opportunities throughout LFG are available to employees and applicants and are evaluated on the basis of job qualifications. We have a drug free work environment and we perform pre-employment substance abuse testing.