Will AI replace Insurance Underwriters?
AI reaches a large part of this job’s work.
50/100
High exposure
More exposed to AI than 79% of US workers.
- AI already used in
- 16% of the work
- As AI tools mature: up to
- 84% of the work
What the job involves
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
Where AI reaches the work
The job’s main tasks, heaviest first, by how far AI reaches them.
Already happening(1)
- Decline excessive risks.
Within reach(6)
- Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
- Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
- Evaluate possibility of losses due to catastrophe or excessive insurance.
- 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.
- Review company records to determine amount of insurance in force on single risk or group of closely related risks.
and 1 more
Also called
Insurance Underwriter · Automobile and Property Underwriter · Underwriter · Underwriting Consultant · Bond Underwriter · Commercial Underwriter · Insurance Writer · Marine Underwriter
Related jobs
What these numbers mean
The score is the share of this job’s work, weighted by how important and frequent each task is, that AI could do in half the time: tasks an AI model could do alone count in full, tasks that need software built on AI count half.
“AI already used” is the share of the work in tasks where people are recorded using AI today. “As AI tools mature” counts every task AI could halve, with or without extra software.
The percentile compares the score with every job’s, weighted by how many people in the US do each one. Exposure means AI could change how the work is done, not that the job goes away. These are estimates for the typical job, not predictions.
Sources
- O*NET 31.0 Database, U.S. Department of Labor, Employment and Training Administration
- GPTs are GPTs: Labor market impact potential of LLMs (task labels), Eloundou, Manning, Mishkin & Rock (2023), OpenAI and University of Pennsylvania
- Anthropic Economic Index: labor market impacts (task penetration), Anthropic
- Occupational Employment and Wage Statistics, May 2025 (national and metropolitan areas), U.S. Bureau of Labor Statistics