Underwriter - Individual Life Insurance - TermAccel Team

Lincoln Financial - Greensboro, NC

Alternate Locations: Greensboro, NC (North Carolina); Work from Home

Relocation assistance will be considered/provided for this opportunity within our company guidelines.

Requisition #59532

About the Company

Lincoln Financial Group, a Fortune 250 company with over 10,000 employees, provides advice and solutions that help empower Americans to take charge of their financial lives with confidence. Our core business areas — Life Insurance, Annuities, Retirement Plan Services and Group Protection — focus on supporting, preserving and enhancing over 17 million customer’s lifestyles and retirement outcomes.

Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. The company had $238 billion in assets under management as of December 31, 2018.

Ranked one of the Best Large Employers in America by Forbes magazine, Lincoln Financial Group makes a serious investment in our employees’ futures through a broad range of wealth accumulation and protection plans, health and wellness programs, and career development resources designed to help each individual reach their personal and professional goals.

The Role

As an Individual Life Underwriter for Lincoln’s Individual Life TermAccel Team, you have the responsibility of underwriting individual life insurance applications up to $1,000,000. As an Underwriter, you will have the capacity and responsibility to evaluate risk to determine individual’s insurability adhering to medical & financial underwriting guidelines as well as gain exposure to automated underwriting.



Underwrites life insurance applications making underwriting determinations of the terms, coverage and pricing by evaluating applicant data including medical reports, and risk analysis and modification
Audits and approves determinations for less complex cases to ensure compliance with underwriting guidelines and policies.
Develops knowledge of the automated underwriting process and the associated rules, to ensure outcomes are consistent with our underwriting guidelines and philosophy.
Identifies, documents, and presents to internal stakeholders findings that support process improvement.
Develops relationships with new business staff to achieve team goals
Performs and delivers on routine assignments and projects while simultaneously leveraging and applying knowledge
Promotes and enhances organizational initiatives by positively influencing and supporting change management and departmental and enterprise initiatives
Identifies and communicates to management process improvements that reduce workloads or improve quality
Maintains knowledge on current and emerging developments and trends, assess the impact, and collaborates with management to incorporate new trends and developments in current and future solutions.


Undergraduate Degree or 4+ years of comparable work experience


1-3 years of experience in Underwriting Individual Life Insurance
Strong comfort level with Technology and Innovation
Strong written and verbal communication
Ablility to work Full Time Remote requires proven success working Full Time Remote for a minimum of 1 year
Ability to read, analyze and interpret both internal and external documents such as general media/publications, professional journals, technical procedures, governmental regulations, policies, proposals, and standard operating procedures
Demonstrates excellent organizational skills with the ability to prioritize workload and multi-task while maintaining strict attention to detail
Ability to work in a fast paced, team environment and be adaptable to changing priorities
A demonstrated track record of consistently meeting and/or exceeding performance expectations
Possesses a bias for action and avoids workplace distractions
Drives performance targets to completion

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

Lincoln Financial Group (“LFG”) 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, disability, sexual orientation, gender identity and expression, veterans status, or genetic information. 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.


Nearest Major Market: Greensboro
Job Segment: Underwriter, Business Process, Change Management, Insurance, Management