Takeover Tracker
43%medium risk
Online Merchants
vs

46 shared · 16 different

core competencies

33%medium risk
Insurance Underwriters

Side-by-Side Comparison

MetricOnline MerchantsInsurance Underwriters
Risk Score42.9%32.7%
Risk TierMedium RiskMedium Risk
Risk Percentile87th54th
Tasks at Risk (>50%)12 / 152 / 8
Median Salary$81,270$79,880
Employment1.1M108K

Skill Comparison

|

Sorted by largest difference

Evaluating Information to Determine Compliance with Standards
Sales and Marketing
Interacting With Computers
Communications and Media
Administration and Management
Analyzing Data or Information
Computers and Electronics
English Language
Clerical
Performing for or Working Directly with the Public
Establishing and Maintaining Interpersonal Relationships
Communicating with Supervisors, Peers, or Subordinates

Protective Factors

Higher values indicate stronger protection against AI displacement

Online Merchants

27%

total discount

Insurance Underwriters

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 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 -$1,390(-2%) vs Online Merchants
Online MerchantsInsurance Underwriters
10th
$46,230$51,640
25th
$60,820$63,070
Median
$81,270$79,880
75th
$110,030$104,820
90th
$147,830$138,020

Premium Head-to-Head Analysis

Displacement Timeline Comparison

Online Merchants2028–2035
Insurance Underwriters2028–2035
20242030203520402045

Insurance Underwriters 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 Underwriters

$53,791

from $79,880

After adjusting for AI risk, Insurance Underwriters offers $7,370 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

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