Headline risk
48%
High RiskInsurance Underwriter
AI displacement pressure score based on US employment data, wages, and demand signals. Built from 3 related occupations weighted by relevance.
Why this score
82% of tasks overlap with current AI
22% human advantage from judgment & presence
54% demand buffer from the local labour market
These factors interact with each other — the final score is not a simple sum of these bars.
Share of tasks AI can handle today
Work that requires human presence or coordination
How strong local hiring demand is for this role
How complete the underlying data is
Workflow profile
How this role's daily work breaks down across different dimensions.
Workflow dimensions (0 = low, 1 = high)
US employment data
Employment overview
Share of job tasks AI can currently perform
Annual median wage
Projected employment change 2024–2034
Education and training typically needed
Key metrics
Job zone
4The occupation usually needs substantial preparation and experience.
Median wage
USD 79,880USD 63,070 to USD 104,820
Openings
8.2K-2.6% projected change
Median age
44.5142K employed
What this job involves
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
Entry requirements: Moderate preparation
The occupation usually needs substantial preparation and experience.
Wage context
Median annual
USD 79,880
Mean annual
USD 90,830
10th percentile: USD 51,640
25th percentile: USD 63,070
75th percentile: USD 104,820
90th percentile: USD 138,020
Hourly median: USD 38
Employment: 107,820 workers
Demand outlook
Current employment
127.0K
Projected employment
123.7K
Openings: 8.2K
Projected change: -2.6%
Education: Bachelor's degree
Work experience: None
On-the-job training: Moderate-term on-the-job training
Median wage: USD 79,880
Employment of insurance underwriters is projected to grow 3 percent from 2024 to 2034, decline.
Workforce profile
Based on a survey of workers currently in this occupation.
Protects from AI displacement
- Can telework 58.5% of workers
- License required 16.3% of workers
Typical background
- High school diploma 28.0% of workers
- No education requirement <5% of workers
- Bachelor's degree 63.1% of workers
- Associate's degree 5.0% of workers
- On-the-job training 46.21% of workers
- Prior work experience 76.9% of workers
Day-to-day work
Insurance underwriters evaluate insurance applications and decide whether to approve them.
Insurance underwriters work in an office setting during regular business hours. Most work full time.
Insurance underwriters typically need a bachelor’s degree to enter the occupation. Certification may be beneficial.
Key tasks
- 1. Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property. · AI can do 0%
- 2. Decline excessive risks. · AI can do 100%
- 3. Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies. · AI can do 0%
- 4. Evaluate possibility of losses due to catastrophe or excessive insurance. · AI can do 0%
- 5. Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials. · AI can do 0%
- 6. Review company records to determine amount of insurance in force on single risk or group of closely related risks. · AI can do 0%
Tools commonly used
Work environment
- E-Mail 5.0/5
- Spend Time Sitting 4.9/5
- Telephone Conversations 4.8/5
- Indoors, Environmentally Controlled 4.6/5
- Time Pressure 4.6/5
- Contact With Others 4.5/5
Who does this work
Median age: 44.5
142K employed · Under 25: 1% · 25–54: 74% · 55+: 24%
Data sources: O*NET 30.2 / OEWS 2024 / ORS 2025 / OOH 2025-08-28 / Projections 2024-34 / CPS 2025 / Anthropic task penetration
Component occupations
Insurance underwriters
13-2053 · 60% weight
Insurance underwriter
Support bundle: Moderate preparation
Financial and investment analysts
13-2051 · 20% weight
Compliance officer/Risk analyst
Support bundle: Moderate preparation
Financial and investment analysts
13-2051 · 20% weight
Financial analyst
Support bundle: Moderate preparation
How this score works
The score measures how much this role's tasks overlap with current AI capabilities, adjusted for human-only requirements and local job market demand. This is a structural pressure estimate, not a prediction of job losses. Learn how scores work →