Title: Underwriting Sr. Consultant, Executive Benefits Location: Remote, US Workplace: Remote Department: Underwriting Job Description: Date: May 7, 2026 Primary Location: Hartford, CT, US Company: Lincoln Financial 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 #: 76042 The Role at a Glance We are excited to bring on an Underwriting Sr. Consultant to join our Executive Benefits Team, supporting our Retail Solutions Business in a work from home environment. Background Details We are growing – expanding our customer reach and market share! As an Underwriting Sr. Consultant for Lincoln's Executive Benefits Team, you will support employer owned life insurance programs focused on executive and employee benefit funding solutions. This role underwrites COLI/BOLI/ICOLI programs while ensuring strong risk selection, regulatory compliance, and institutional underwriting discipline. The ideal candidate brings deep COLI expertise, medical and financial underwriting judgment, and the ability to partner effectively with sales, product, case management, and reinsurance teams. What you'll be doing - 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 What we’re looking for Must-have experience (required): - 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 Nice-to-have experience (preferred): - Industry Exams – LOMA encouraged What you will Learn, Do, Become: - Build Financial Acumen skills on Complex Financial Topics - Become a Subject Matter Expert in an area of industry interest - Learn to deepen Innovative Skills - Participated in Agency/Customer Visits - Opportunities to Learn, Grow, Promote What’s it like to work here? 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. What’s in it for you: - 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 $96,900 - $176,200 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. About The Company 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. 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 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 ("Lincoln" or "the Company") 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.

Title: Sr Underwriting Consultant - Remote Location: United States Job Description: Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us to start Caring. Connecting. Growing together. The Senior Underwriting Consultant will analyze health benefit plan characteristics and assess risks as to frequency and potential severity of loss of clients. They will utilize underwriting criteria and policies to provide proper rating methodologies. They will also build and maintain models to assist in the economic analysis of market alternatives. The Senior Underwriting Consultant is responsible for the evaluation and recommend alternative pricing options and plan design changes based on economic analysis and trends. You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week. Primary Responsibilities: - Prepare financial modeling for reserve calculation, budget calculation, and other ongoing reviews that directly aligns with client strategies - Validate renewals and request for proposals for accuracy including utilization and experience reporting - Conduct competitive analysis of all coverage lines and present financial and contractual findings Positions in this function are responsible for assessing and pricing the financial risk associated with group or individual prospective and renewing cases. - Company thought leader - Functional SME - Broad business approach - Resource to senior leadership - Develops pioneering approaches to emerging industry trends You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: - 7+ years of experience in healthcare underwriting for any variety of products: PPO, HMO, self-funded, ASO/fully-insured, group or individual - 3+ years of experience with Risk Management - Intermediate level of proficiency with MS Office suite (including Word, Excel and PowerPoint) - Proven excellent communication skills, both orally and in writing - All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 to $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable. Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

Role Description Encova Insurance has an immediate opening for Production Underwriter, Package Lines for accounts averaging over $75k in premium. Ideal candidates will reside in the Madison or Milwaukee, Wisconsin areas. This position will travel the assigned territory to visit agencies in order to develop new and existing relationships. A company vehicle will be provided. This role will report to a Regional Vice President, Commercial Lines. JOB OBJECTIVE: - Represent Encova Insurance and functions as the agency manager for assigned agents with a primary focus on commercial lines (e.g., worker’s compensation and/or package lines). - Responsible for achieving established premium growth and profitability objectives by reviewing risks, determining acceptability, and successfully writing profitable new business and retaining profitable renewal accounts. - Focused on taking action to achieve results that positively impact growth and profitability while ensuring excellent customer service and timely responsiveness to assigned agencies for their commercial lines accounts. ESSENTIAL FUNCTIONS: - As agency manager, this role is the liaison between Encova and its appointed agency force. Duties include: - Develop and maintain agency relationships through regular visits with agency leadership and production staff, encompassing: - Agency growth and profitability with Encova. - Agency progress towards Encova profit share program and Leaders’ Conference participation. - Encova updates and organizational changes. - Facilitate growth between all Encova profit centers and assigned agencies. - Coordinate agency training when needed and assist agencies with the tools needed to build sustainable, long-term profitable growth with Encova across all profit centers. - Gather competitive intelligence. - Stay abreast of current insurance laws and regulations. - Prospect and qualify new agents for potential appointments. - Submit written reports as required. - Attend industry events. - Determine the acceptability, quality, pricing, profitability and opportunity for new and renewal business. - Complete thorough risk analysis on designated accounts using appropriate Encova, NCCI, ISO and industry rules, policies, procedures, guidelines, etc. - Identify, create and initiate new business opportunities within current book of business and assigned agencies. - Gather and analyze information necessary to make an accurate evaluation of risk. - Determine appropriate pricing based on risk exposures, risk quality, loss potential and coverage provided. - Utilize available resources including company underwriting guidelines, business unit strategies, and consultation with others to ensure adequate understanding of risk exposures. - Prepare and participate in proposals to producers. Negotiate terms and conditions. - Ensure the proper issuance of policies, certificates, filings and notifications. - Effectively utilize rules and guidance to ensure proper policy construction. - Seek the guidance of management on risks exceeding assigned authority levels. - Identify underwriting issues; recommend and develop plans for problem resolution and implement them where appropriate. - Manage existing and prospective accounts by actively participating in account renewals, new business presentations and discussion with agents. - Participate in monitoring and analyzing performance of assigned agents; initiate actions and recognize consequences of alternative actions. - Account management including coordination of service delivery of various disciplines within the team: claim review, safety and loss services, customized reporting, etc. - Conduct/coordinate sales and training sessions and orientation of new products, programs, and systems for assigned agents. When requested, lead discussions on new underwriting approaches, coverage enhancements/changes, and underwriting projects. OTHER FUNCTIONS: - Responsible for automobile travel within territory traveling to agents’ offices. Car travel represents a meaningful portion of associate’s time. - Non-essential function: other duties as assigned. Qualifications - Minimum 5 years of progressive commercial lines underwriting experience in package lines and/or worker’s compensation in the Property and Casualty insurance market strongly preferred. - Bachelor’s degree preferred, demonstrated significant underwriting experience may substitute. - Demonstrated working knowledge of commercial multi-line underwriting, pricing and coverage. - Demonstrated knowledge of effective sales/marketing and agency relationship techniques including the ability to partner with independent insurance agents. - Preference may be shown for applicants with CPCU and/or ARM designation(s). - Demonstrated strong writing skills with an emphasis on marketing. - Ability to be creative and entrepreneurial in the approach to sales and marketing initiatives. - Ability to effectively manage multiple priorities and tight timelines while meeting established guidelines. - High-level interpersonal, communication, analytical, presentation and problem-solving skills. - Critical thinking: Ability to assess an individual situation and select applicable rules from an array of options, resulting in the most appropriate and sustainable decision. - Thorough knowledge of laws and rules and their application for the assigned territory. - Thorough working knowledge of policy and procedures regarding risk administration and risk management; underwriting and loss control. - Thorough knowledge of the insurance industry and the business environment in which it operates in order to develop an effective business strategy and remain technically current. - Thorough understanding of business exposure calculations, classifications, experience rating or other plan modifications. - Ability to develop and implement account, territorial, producer and book strategies to acquire and retain business. - Ability to work collaboratively and effectively in a team environment. - Ability to initiate, build and maintain effective working relationships and tailor services to meet customer needs. - Ability to use sound logic and decision-making skills to identify complex problems, analyze alternatives, then develop and implement effective solutions. - Ability to effectively plan and lead meetings: ensure an agenda is created, appropriate materials are ready in advance, the meeting stays on task, the client’s issues are addressed, and follow-up action plans are noted. - Ability to present ideas and information to individuals and groups in a clear, concise, influential, organized, and diplomatic manner and address concerns or needs. - Proficient in electronic mail system; use of intranet and internet; Microsoft Office products including Excel, Word, PowerPoint. - Ability to safely operate a motor vehicle and must hold a valid driver’s license. Benefits - Health, Dental & Vision Insurance - Company-provided life and income protection plans - Eligibility to participate in a company incentive bonus program - 401(k) Retirement Plan - 100% company match up to 7% on annual salary - Paid Time Off, Paid Holidays, and Floating Holidays - Flexible Work Arrangements - Hybrid and remote depending on the role Company Description Encova Insurance is an EOE/E-Verify employer.

Role Description Supports a team by identifying, soliciting, and arranging appropriate insurance coverage for clients by accessing binding authority and brokerage markets. Responsibilities include but are not limited to: - Underwriting new and renewal business - Ensuring adherence to binding authority carrier guidelines - Approving policy changes - Maintaining workload - Solving coverage issues - Monitoring claims - Managing written business up to and including the time of binding according to company guidelines and established CRC procedures ESSENTIAL DUTIES AND RESPONSIBILITIES: - Manage the underwriting process ensuring adherence to carrier underwriting guidelines and CRC policies and procedures. - Submit appropriate information to brokerage markets for accounts that do not fit binding authority markets. - Make underwriting decisions and solve difficult underwriting and coverage problems for retail agencies. - Develop, maintain, and cultivate strong relationships with binding-authority and brokerage carriers. - Solicit, market, quote, bind, and confirm new and existing business. - Negotiate the best terms and coverages available with accessible markets while properly communicating with all producers regarding submissions and decisions for new or renewal business in a timely manner. - Approve and disapprove endorsement requests according to internal and carrier guidelines. - Monitor accounts to ensure compliance with the firm's policies and procedures. - Meet or exceed company file documentation standards, comply with underwriting authority level standards, and pass all audits performed by markets and our Internal Review Department. - Maintain necessary licenses. Qualifications - Bachelor's Degree or appropriate insurance designation - Three years of experience in underwriting or brokering E&S or specialty insurance products - Must be licensed in corresponding areas of insurance - Must be able to understand and independently manage the underwriting and brokerage process including analyzing necessary components of insurance policies, determining terms and conditions, and pricing insurance products - Ability to understand the client's needs and have knowledge of the risk profiles associated - Recognize new trends and developments in the insurance industry and be able to incorporate them into underwriting strategies - Possess strong knowledge of and experience in underwriting the types of accounts handled by the team on which they support - Ability to provide excellent customer service for retail insurance agencies - Team skills - Maintain current knowledge of the insurance industry - Good written and verbal skills Benefits - Access to medical, dental, vision, life, disability, and AD&D insurance - Tax-advantaged savings accounts - 401(k) plan with company match - Generous paid time off programs, including company holidays, vacation and sick days, new parent leave, and more - Eligible positions may also qualify for restricted stock units and/or a deferred compensation plan Company Description CRC Group supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. CRC Group is a Drug Free Workplace.