medium risk

Insurance Underwriters

Also known as: Account Underwriter, Automobile and Property Underwriter, Bond Underwriter, Commercial Lines Underwriter, Health Underwriter, Insurance Writer, Life Underwriter, Marine Underwriter, Personal Lines Underwriter, Property Underwriter

Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.

Higher risk than 86% of occupations

AI Impact Summary

Insurance Underwriters faces moderate AI displacement risk with a score of 46/100. This occupation has higher AI displacement risk than 86% of all analyzed occupations. Of 8 analyzed tasks, 2 are highly automatable, particularly routine cognitive tasks. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.

Skill Impact Analysis

AI-Vulnerable

AI-Resistant

AI-Augmented

AI-Vulnerable

Reading Comprehension10%

High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.

Mathematics10%

High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.

AI-Resistant

Complex Problem Solving75%

Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.

Coordination70%

Coordination is AI-resistant — strengthening this skill provides durable career protection.

+14 more skills

Education & Training

Percentage of workers at each education and training level

Education Level

High School Diploma10%

Post-Secondary Certificate7%

Associate's Degree10%

Bachelor's Degree70%

Master's Degree3%

Prior Experience Needed

Work experience required to enter this job

None40%

1-2 years20%

2-4 years27%

4-6 years10%

6-8 years3%

Training Provided After Hiring

How long it typically takes to learn on the job

1-3 months10%

3-6 months37%

6 months - 1 year33%

1-2 years17%

2-4 years3%

How AI Impacts Each Task

8 tasks analyzed

Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.

Risk: 57.0%AI: 75Time: 30%

Decline excessive risks.

Risk: 55.0%AI: 70Time: 5%

Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.

Risk: 35.0%AI: 50Time: 20%

Evaluate possibility of losses due to catastrophe or excessive insurance.

Risk: 57.0%AI: 75Time: 15%

Review company records to determine amount of insurance in force on single risk or group of closely related risks.

Risk: 85.2%AI: 90Time: 15%

Task	AI Capability	Risk	Time %
Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.	75	57.0%	30%
Decline excessive risks.	70	55.0%	5%
Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.	50	35.0%	20%
Evaluate possibility of losses due to catastrophe or excessive insurance.	75	57.0%	15%
Review company records to determine amount of insurance in force on single risk or group of closely related risks.	90	85.2%	15%

Protective Factors

Total protective discount: 22.3%

Essential Soft Skills

Traits that are hard for AI to replicate

IntegrityAttention to DetailAnalytical ThinkingDependabilityAchievement/EffortStress ToleranceCooperationSelf ControlInitiativeAdaptability/FlexibilityPersistenceIndependence