Actuaries
Analyze statistical data, such as mortality, accident, sickness, disability, and retirement rates and construct probability tables to forecast risk and liability for payment of future benefits. May ascertain insurance rates required and cash reserves necessary to ensure payment of future benefits.
How AI Impacts Each Task
15 tasks analyzed
Ascertain premium rates required and cash reserves and liabilities necessary to ensure payment of future benefits.
Design, review and help administer insurance, annuity and pension plans, determining financial soundness and calculating premiums.
Determine or help determine company policy, and explain complex technical matters to company executives, government officials, shareholders, policyholders, or the public.
Provide advice to clients on a contract basis, working as a consultant.
Analyze statistical information to estimate mortality, accident, sickness, disability, and retirement rates.
Construct probability tables for events such as fires, natural disasters, and unemployment, based on analysis of statistical data and other pertinent information.
Negotiate terms and conditions of reinsurance with other companies.
Collaborate with programmers, underwriters, accounts, claims experts, and senior management to help companies develop plans for new lines of business or improvements to existing business.
Determine equitable basis for distributing surplus earnings under participating insurance and annuity contracts in mutual companies.
Provide expertise to help financial institutions manage risks and maximize returns associated with investment products or credit offerings.
Testify before public agencies on proposed legislation affecting businesses.
Determine policy contract provisions for each type of insurance.
Testify in court as expert witness or to provide legal evidence on matters such as the value of potential lifetime earnings of a person who is disabled or killed in an accident.
Manage credit and help price corporate security offerings.
Explain changes in contract provisions to customers.
| Task | AI Capability | Risk | Time % | |
|---|---|---|---|---|
| Ascertain premium rates required and cash reserves and liabilities necessary to ensure payment of future benefits. | 50Estimated | 47.0% | 14% | |
| Design, review and help administer insurance, annuity and pension plans, determining financial soundness and calculating premiums. | 70.15Observed | 55.1% | 14% | |
| Determine or help determine company policy, and explain complex technical matters to company executives, government officials, shareholders, policyholders, or the public. | 54.47Observed | 36.8% | 10% | |
| Provide advice to clients on a contract basis, working as a consultant. | 64.85Observed | 40.9% | 8% | |
| Analyze statistical information to estimate mortality, accident, sickness, disability, and retirement rates. | 65Estimated | 53.0% | 14% | |
| Construct probability tables for events such as fires, natural disasters, and unemployment, based on analysis of statistical data and other pertinent information. | 60Estimated | 51.0% | 10% | |
| Negotiate terms and conditions of reinsurance with other companies. | 10Estimated | 19.0% | 5% | |
| Collaborate with programmers, underwriters, accounts, claims experts, and senior management to help companies develop plans for new lines of business or improvements to existing business. | 20Estimated | 23.0% | 5% | |
| Determine equitable basis for distributing surplus earnings under participating insurance and annuity contracts in mutual companies. | 30Estimated | 39.0% | 4% | |
| Provide expertise to help financial institutions manage risks and maximize returns associated with investment products or credit offerings. | 55Observed | 49.0% | 4% | |
| Testify before public agencies on proposed legislation affecting businesses. | 5Estimated | 17.0% | 2% | |
| Determine policy contract provisions for each type of insurance. | 63.32Observed | 74.5% | 4% | |
| Testify in court as expert witness or to provide legal evidence on matters such as the value of potential lifetime earnings of a person who is disabled or killed in an accident. | 5Estimated | 17.0% | 2% | |
| Manage credit and help price corporate security offerings. | 50Estimated | 47.0% | 2% | |
| Explain changes in contract provisions to customers. | 35Estimated | 29.0% | 2% |
Skill Impact Analysis
AI-Vulnerable Skills (6)
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Programming is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
AI-Resistant Skills (11)
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Adaptability/Flexibility is AI-resistant — strengthening this skill provides durable career protection.
Leadership is AI-resistant — strengthening this skill provides durable career protection.
Instructing is AI-resistant — strengthening this skill provides durable career protection.
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
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Score History
Risk score over 3 scoring runs
overall change
Education & Training
Percentage of workers at each education and training level
Education Level
Prior Experience Needed
Work experience required to enter this job
Training Provided After Hiring
How long it typically takes to learn on the job
Related News
Recent articles about AI affecting this occupation
Why insuring AI agents could shift liability away from human workers
As autonomous systems increasingly execute tasks and make errors, the insurance industry is exploring policies to underwrite their actions. This emerging financial infrastructure could determine whether human operators or corporate entities bear the cost of algorithmic mistakes.
Last scored March 14, 2026 · Based on BLS employment data and O*NET task analysis