Takeover Tracker
43%medium risk
Online Merchants
vs

51 shared · 15 different

core competencies

33%medium risk
Insurance Sales Agents

Side-by-Side Comparison

MetricOnline MerchantsInsurance Sales Agents
Risk Score42.9%33.2%
Risk TierMedium RiskMedium Risk
Risk Percentile87th57th
Tasks at Risk (>50%)12 / 156 / 15
Median Salary$81,270$60,370
Employment1.1M469K

Skill Comparison

|

Sorted by largest difference

Clerical
Identifying Objects, Actions, and Events
Interacting With Computers
Processing Information
Communications and Media
Making Decisions and Solving Problems
English Language
Evaluating Information to Determine Compliance with Standards
Computers and Electronics
Education and Training
Communicating with Persons Outside Organization
Production and Processing

Protective Factors

Higher values indicate stronger protection against AI displacement

Online Merchants

27%

total discount

Insurance Sales Agents

28%

total discount

Task Risk Comparison

Tasks sorted by AI automation risk — higher means more automatable

Online Merchants

12 of 15 at risk
89%Calculate purchase subtotals, taxes, and shipping costs for submission to customers.
88%Receive and process payments from customers, using electronic transaction services.
87%Create, manage, or automate orders or invoices, using order management or invoicing software.
85%Order or purchase merchandise to maintain optimal inventory levels.
70%Upload digital media, such as photos, video, or scanned images to online storefront, auction sites, or other shopping Web sites.

Insurance Sales Agents

6 of 15 at risk
86%Perform administrative tasks, such as maintaining records and handling policy renewals.
84%Contact underwriter and submit forms to obtain binder coverage.
80%Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
69%Calculate premiums and establish payment method.
54%Develop marketing strategies to compete with other individuals or companies who sell insurance.

Wage Comparison

Insurance Sales Agents earns -$20,900(-26%) vs Online Merchants
Online MerchantsInsurance Sales Agents
10th
$46,230$36,390
25th
$60,820$45,520
Median
$81,270$60,370
75th
$110,030$91,150
90th
$147,830$135,660

Premium Head-to-Head Analysis

Displacement Timeline Comparison

Online Merchants2028–2035
Insurance Sales Agents2028–2035
20242030203520402045

Insurance Sales Agents has a longer runway before significant displacement, projected 0 years later than Online Merchants.

Risk-Adjusted Salary

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

Online Merchants

$46,421

from $81,270

Insurance Sales Agents

$40,351

from $60,370

After adjusting for AI risk, Online Merchants offers $6,070 more in risk-adjusted pay.

Transition Feasibility

1%

Skill Overlap

Low overlap — significant retraining needed for transition

0

Unique to Online

0

Unique to Insurance

Combined Protection Strategy

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

Regulatory Barriers
Fine Manipulation
Decision Complexity
Social Intelligence
Online MerchantsInsurance Sales Agents
Find transitions from Online MerchantsFind transitions from Insurance Sales Agents