• Responsible for the development and underwriting of new product financial and programmatic cost models • Work with existing models and customers on product enhancements and modifications • Prepare analyses and various ad-hoc projects for executive management • Develop, document, and apply underwriting procedures, analytical approach, and requisite tools for new products • Review utilization, cost trends, and other assumptions used in pricing models • Evaluate cost impact of new product initiatives and assess risk associated with each • Direct, oversee, and coordinate with the Manager, Underwriting to ensure appropriate underwriting procedures are applied • Provide recommendations on product and customer rates to senior management team for approval • Analyze claims detail data from multiple in-house claims processing systems and external claims data • Interact with clients/customers and internal staff to resolve issues related to information provided

• Assist in the development and maintenance of premium rates for the Individual and Small Group markets. • Support the preparation, validation, and submission of premium rate filings to state and federal regulatory agencies. • Analyze and evaluate proposed benefit design and cost-sharing changes to determine financial and actuarial impacts. • Conduct pricing analyses, actuarial studies, and financial modeling to support product and rate development initiatives. • Assess the impact of proposed state and federal legislative, regulatory, and healthcare reform changes on pricing and product strategy. • Perform Mental Health Parity compliance reviews and support related regulatory reporting requirements. • Conduct experience analyses and drill-down studies to identify emerging trends, utilization patterns, and key cost drivers. • Develop ad hoc actuarial models and analytics to support strategic decision-making and business initiatives. • Collaborate with Product, Finance, Underwriting, Regulatory, Compliance, and other business partners to evaluate assumptions and recommendations. • Review and analyze data from multiple sources to support actuarial projections and risk assessments. • Prepare reports, presentations, and recommendations for management, clearly communicating complex actuarial concepts and analytical findings.

• Develop rate indications and pricing analyses • Monitor rate adequacy, loss trends, inflation impacts, and emerging experience • Build and maintain pricing tools, exhibits, and documentation used for internal decisions and regulatory filings • Perform quarterly reserve analyses • Monitor loss emergence, claim severity/frequency trends, and CAT vs non-CAT performance • Partner with Claims and Finance to reconcile results, investigate drivers, and improve data quality • Build recurring dashboards to monitor portfolio performance and emerging trends • Collaborate with Underwriting, Claims, Finance, Data/Engineering, and Leadership on special projects

Title: AVP & Actuary, Annuities Experience Studies Location: Fort Wayne, IN, Radnor, PA ; Charlotte, Greensboro, NC; Hartford, CT; Omaha, NE, USA Workplace: Hybrid Department: Actuarial, Quantitative & Risk Management Job Description: Primary Location: Fort Wayne, IN, US Company: Lincoln Financial Alternate Locations: Radnor, PA (Pennsylvania); Charlotte, NC (North Carolina); Fort Wayne, IN (Indiana); Greensboro, NC (North Carolina); Hartford, CT (Connecticut); Omaha, NE (Nebraska) Work Arrangement: Hybrid : Employee will work 3 days a week in a Lincoln office Relocation assistance: is not available for this opportunity. Requisition #: 76203 The Role at a Glance The AVP, Annuities Experience Studies leads the strategy, governance, and execution of experience analysis and assumption development for the Annuities business. This role drives insights that directly inform pricing, valuation, risk management, and capital decisions. You will lead a high-performing team responsible for designing and delivering experience studies using both traditional actuarial techniques and advanced analytics. This role partners closely with Finance, Risk, Product, and Data teams to translate complex experience data into actionable business insights and to modernize data pipelines and analytics capabilities. What you'll be doing •Provide guidance on Lincoln’s emerging lapse, utilization, and mortality experience while identifying opportunities to exercise an innovative approach. •Utilize predictive analytics as appropriate to analyze experience and develop assumptions. •Provide thought leadership and oversight on the development of mortality, policyholder behavior, and expense assumptions for Annuity products, including both new business and inforce products. •Collaborate with internal stakeholders across the organization to educate on techniques used in assumption development, derive understanding of experience drivers, and socialize insights derived through team’s work. •Leverage data management platforms to effectively monitor actuarial assumptions, providing insights and recommendations to management. •Partner with external experts to share best practices and participate in regulatory or industry data calls. •Collaborate with teammates to share knowledge, institute best practices, and develop shared insights. •Lead a team of professionals in the execution of the team’s responsibilities. What we’re looking for •10+ years of actuarial experience, with demonstrated competency in the specific responsibilities for this position •Fellow of the Society of Actuaries (FSA) designation or Associate (ASA) with additional years of actuarial experience •Ability to synthesize large volumes of data to extract insights with strong technical skills •Annuity product knowledge and general insurance/business knowledge •Demonstrated success in providing strategic and holistic thought leadership •Demonstrated success in balancing and pivoting across projects with shifting priorities •Strong relationship management skills across functional areas, including senior management and peers, including ability to influence effectively •Curiosity, comfort asking questions and challenging the status quo, and critical thinking with an eye for innovation •Direct experience in assumption development, predictive analytics, and data management (e.g. Dataiku, SQL, Python) 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 $127,500 - $232,300 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. 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. 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.