Insurance Underwriters
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
AI Impact Summary
Insurance Underwriters faces moderate AI displacement risk with a score of 33/100. This occupation has higher AI displacement risk than 54% of all analyzed occupations. Of 8 analyzed tasks, 1 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.
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Leadership is AI-resistant — strengthening this skill provides durable career protection.
Negotiation is AI-resistant — strengthening this skill provides durable career protection.
AI-Augmented Skills (7)
Recommended Courses
Courses matched to Insurance Underwriters 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
8 tasks analyzed
Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
Decline excessive risks.
Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
Evaluate possibility of losses due to catastrophe or excessive insurance.
Review company records to determine amount of insurance in force on single risk or group of closely related risks.
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.
Authorize reinsurance of policy when risk is high.
Answer agents' questions about insurance coverage.
| Task | AI Capability | Risk | Time % | |
|---|---|---|---|---|
| Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property. | 31.25Observed | 39.5% | 25% | |
| Decline excessive risks. | 71.23Observed | 55.5% | 5% | |
| Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies. | 48.32Observed | 34.3% | 15% | |
| Evaluate possibility of losses due to catastrophe or excessive insurance. | 55Estimated | 49.0% | 15% | |
| Review company records to determine amount of insurance in force on single risk or group of closely related risks. | 92Estimated | 86.0% | 10% | |
| 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. | 43.53Observed | 44.4% | 15% | |
| Authorize reinsurance of policy when risk is high. | 30Estimated | 39.0% | 5% | |
| Answer agents' questions about insurance coverage. | 55Estimated | 37.0% | 10% |
Protective Factors
Total protective discount: 28.0%
Essential Soft Skills
Traits that are hard for AI to replicate
Wage & Employment (2024)
Median Wage
$79,880
per year
Mean Wage
$90,830
per year
Employment
108K
workers
Wage Range
$51,640 - $138,020
10th - 90th pct
Wage Distribution
Explore other career paths
Compare displacement risk across occupations and find careers with stronger long-term prospects.
Alternate Career Paths
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Higher risk than 51% of other occupations
Market Research Analysts and Marketing Specialists
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Compensation and Benefits Managers
34%Median salary: $140,360
Higher risk than 63% of other occupations
Compensation, Benefits, and Job Analysis Specialists
36%Median salary: $77,020
Higher risk than 70% of other occupations
Claims Examiners, Property and Casualty Insurance
37%Median salary: $76,790
Higher risk than 72% of other occupations
Budget Analysts
38%Median salary: $87,930
Higher risk than 75% of other occupations
Regulatory Affairs Specialists
39%Median salary: $78,420
Higher risk than 79% of other occupations
Accountants
40%Median salary: $81,680
Higher risk than 82% of other occupations
Clinical Data Managers
42%Median salary: $103,300
Higher risk than 84% of other occupations
Credit Analysts
42%Median salary: $80,970
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 Underwriters 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.
- Complex Problem Solving
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
- Social Perceptiveness
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
- Service Orientation
Service Orientation is AI-resistant — strengthening this skill provides durable career protection.
- Coordination
Coordination 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.
- Writing
Writing will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.
- Critical Thinking
Critical Thinking 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 3 scoring runs
overall change