Support employer owned life insurance programs focused on executive and employee benefit funding solutions
Underwrite Guaranteed Issue (GI) and Simplified Issue (SI) COLI cases in accordance with carrier guidelines and program parameters
Analyze lives within executive and broad based COLI/BOLI/ICOLI programs
Determine appropriate ratings, underwriting actions, and capacity decisions
Review compensation data, employee classifications, and benefit structures
Assess financial justification consistent with employer owned life insurance standards
Ensure policy face amounts align with program intent and eligibility requirements
Underwrite in compliance with IRC §101(j) notice and consent requirements
Ensure adherence to carrier COLI governance standards and underwriting guidelines
Support internal review committees and large case decision processes
Perform medical underwriting as required
Apply thorough knowledge of Qualified Purchaser and Accredited Investor definitions to support program eligibility, structure, and regulatory alignment
Builds and maintains strong relationships with internal and external partners

Bachelor's degree or 4+ years of comparable work experience
5-7+ years of experience in Underwriting Individual Life Insurance
Demonstrated Excellence in: Problem Solving / Analysis; Comprehension of Complex Information; Influencing Others; Risk Assessment; Demonstrated decision making using sound judgment; Negotiation Skills; Managing Conflict
Developed Skills in analyzing and interpreting complex financial documents including profit/loss statements, income statements, and balance sheets
Strong Written and Verbal Communication skills
Intermediate in: Microsoft Office (Outlook, Word, PowerPoint, Excel)
A demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment

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

Senior Underwriting Consultant, Executive Benefits

Key skills