Insurance Sales Agents
Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.
AI Impact Summary
Insurance Sales Agents faces moderate AI displacement risk with a score of 33/100. This occupation has higher AI displacement risk than 57% of all analyzed occupations. Of 19 analyzed tasks, 3 are highly automatable, particularly routine cognitive tasks. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.
Skill Impact Analysis
AI-Vulnerable Skills (6)
High reliance on Reading Comprehension 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 Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
Mathematics is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
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)
Adaptability/Flexibility is AI-resistant — strengthening this skill provides durable career protection.
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
Leadership is AI-resistant — strengthening this skill provides durable career protection.
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
AI-Augmented Skills (7)
Recommended Courses
Courses matched to Insurance Sales Agents skill gaps, ranked by relevance to your displacement risk profile.
Get personalized recommendations. Answer a few questions about your experience and skills to get course suggestions tailored specifically to you.
Upskill to Reduce Risk
Courses addressing your most AI-vulnerable skills
SQL Fundamentals Skill Track
by DataCamp
Estimated Impact
AI-Augmentation Tools
Learn to work alongside AI and boost your productivity
Creative Writing Specialization
by Wesleyan University
Estimated Impact
Strengthen Your Edge
Double down on skills AI can't replicate
Inspired Leadership Through Emotional Intelligence
by Case Western Reserve University
Estimated Impact
We may earn a commission when you enroll through our links, at no extra cost to you. This helps fund the Takeover Tracker.
Risk reduction and salary impact are estimates based on skill gap analysis, course relevance, and labor market data. Actual results vary by individual circumstance.
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
How AI Impacts Each Task
19 tasks analyzed
Customize insurance programs to suit individual customers, often covering a variety of risks.
Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice.
Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
Perform administrative tasks, such as maintaining records and handling policy renewals.
Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
Confer with clients to obtain and provide information when claims are made on a policy.
Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage.
Contact underwriter and submit forms to obtain binder coverage.
Select company that offers type of coverage requested by client to underwrite policy.
Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
Develop marketing strategies to compete with other individuals or companies who sell insurance.
Calculate premiums and establish payment method.
Plan and oversee incorporation of insurance program into bookkeeping system of company.
Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
Install bookkeeping systems and resolve system problems.
Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
| Task | AI Capability | Risk | Time % | |
|---|---|---|---|---|
| Customize insurance programs to suit individual customers, often covering a variety of risks. | 53.73Observed | 48.5% | 6% | |
| Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice. | 20Estimated | 23.0% | 12% | |
| Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans. | 33.93Observed | 28.6% | 10% | |
| Perform administrative tasks, such as maintaining records and handling policy renewals. | 92Estimated | 86.0% | 10% | |
| Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients. | 44.55Observed | 32.8% | 10% | |
| Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries. | 54.62Observed | 36.9% | 6% | |
| Confer with clients to obtain and provide information when claims are made on a policy. | 53.55Observed | 36.4% | 5% | |
| Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage. | 43.35Observed | 32.3% | 8% | |
| Contact underwriter and submit forms to obtain binder coverage. | 87Estimated | 84.0% | 5% | |
| Select company that offers type of coverage requested by client to underwrite policy. | 60Estimated | 51.0% | 4% | |
| Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms. | 77Estimated | 80.0% | 4% | |
| Monitor insurance claims to ensure they are settled equitably for both the client and the insurer. | 50Estimated | 47.0% | 3% | |
| Develop marketing strategies to compete with other individuals or companies who sell insurance. | 66.67Observed | 53.7% | 3% | |
| Calculate premiums and establish payment method. | 50Observed | 69.2% | 4% | |
| Plan and oversee incorporation of insurance program into bookkeeping system of company. | 50Estimated | 47.0% | 2% | |
| Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk. | 40Estimated | 43.0% | 2% | |
| Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts. | 10Estimated | 19.0% | 2% | |
| Install bookkeeping systems and resolve system problems. | 48.6Observed | 46.4% | 2% | |
| Explain necessary bookkeeping requirements for customer to implement and provide group insurance program. | 53.45Observed | 36.4% | 2% |
Protective Factors
Total protective discount: 28.1%
Essential Soft Skills
Traits that are hard for AI to replicate
Wage & Employment (2024)
Median Wage
$60,370
per year
Mean Wage
$81,510
per year
Employment
469K
workers
Wage Range
$36,390 - $135,660
10th - 90th pct
Wage Distribution
Explore other career paths
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Alternate Career Paths
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Copy Writers
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34%Median salary: $78,140
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36%Median salary: $96,310
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Loan Officers
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Human Resources Specialists
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Credit Analysts
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Higher risk than 86% of other occupations
Sales Managers
25%Higher risk than 20% of other occupations
Chief Executives
26%Higher risk than 23% of other occupations
General and Operations Managers
28%Higher risk than 29% of other occupations
Marketing Managers
30%Higher risk than 38% of other occupations
Advertising and Promotions Managers
31%Higher risk than 43% of other occupations
Computer and Information Systems Managers
31%Higher risk than 45% of other occupations
Recommendations
Skills to Develop
These skills are at risk from AI automation. Insurance Sales Agents professionals should diversify beyond them.
- Reading Comprehension
High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Information Ordering
High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.
- Mathematics
Mathematics is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
- Memorization
Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.
Skills to Leverage
These human-centric skills remain difficult for AI to replicate. Double down here.
- Adaptability/Flexibility
Adaptability/Flexibility is AI-resistant — strengthening this skill provides durable career protection.
- Persuasion
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
- Service Orientation
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
- Negotiation
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
- Leadership
Leadership is AI-resistant — strengthening this skill provides durable career protection.
Tools to Adopt
AI can amplify these skills. Learn the tools that augment rather than replace your work.
- Critical Thinking
Critical Thinking will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Writing
Writing will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Judgment and Decision Making
Judgment and Decision Making will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Active Learning
Active Learning will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Monitoring
Monitoring will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
Score History
Risk score over 2 scoring runs
overall change