Takeover Tracker
37%medium risk
Loan Officers
vs

54 shared · 10 different

core competencies

33%medium risk
Insurance Underwriters

Side-by-Side Comparison

MetricLoan OfficersInsurance Underwriters
Risk Score36.6%32.7%
Risk TierMedium RiskMedium Risk
Risk Percentile71th54th
Tasks at Risk (>50%)7 / 152 / 8
Median Salary$74,180$79,880
Employment291K108K

Skill Comparison

|

Sorted by largest difference

Performing for or Working Directly with the Public
Economics and Accounting
Customer and Personal Service
Analyzing Data or Information
Scheduling Work and Activities
Provide Consultation and Advice to Others
Law and Government
Computers and Electronics
Administration and Management
Identifying Objects, Actions, and Events

Protective Factors

Higher values indicate stronger protection against AI displacement

Loan Officers

29%

total discount

Insurance Underwriters

28%

total discount

Task Risk Comparison

Tasks sorted by AI automation risk — higher means more automatable

Loan Officers

7 of 15 at risk
89%Compute payment schedules.
87%Submit applications to credit analysts for verification and recommendation.
86%Review loan agreements to ensure that they are complete and accurate according to policy.
86%Review and update credit and loan files.
65%Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

Insurance Underwriters

2 of 8 at risk
86%Review company records to determine amount of insurance in force on single risk or group of closely related risks.
55%Decline excessive risks.
49%Evaluate possibility of losses due to catastrophe or excessive insurance.
44%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.
40%Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.

Wage Comparison

Insurance Underwriters earns +$5,700(+8%) vs Loan Officers
Loan OfficersInsurance Underwriters
10th
$38,490$51,640
25th
$50,460$63,070
Median
$74,180$79,880
75th
$101,920$104,820
90th
$145,780$138,020

Premium Head-to-Head Analysis

Displacement Timeline Comparison

Loan Officers2028–2035
Insurance Underwriters2028–2035
20242030203520402045

Insurance Underwriters has a longer runway before significant displacement, projected 0 years later than Loan Officers.

Risk-Adjusted Salary

Salary weighted by displacement risk: salary × (1 − risk%)

Loan Officers

$47,038

from $74,180

Insurance Underwriters

$53,791

from $79,880

After adjusting for AI risk, Insurance Underwriters offers $6,754 more in risk-adjusted pay.

Transition Feasibility

1%

Skill Overlap

Low overlap — significant retraining needed for transition

0

Unique to Loan

0

Unique to Insurance

Combined Protection Strategy

Regardless of which path you choose, focus on these protective factors

Social Intelligence
Decision Complexity
Creativity
Regulatory Barriers
Loan OfficersInsurance Underwriters
Find transitions from Loan OfficersFind transitions from Insurance Underwriters