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Insurance Underwriters

Insurance Underwriters score 57 out of 100, which is elevated exposure to AI. That ranks #115 of 923 US occupations, where #1 is the most exposed. Of the 7 tasks in this job, AI could speed up 1 on its own and 6 more with extra software built on top of it. In April–May 2026, 1 of these tasks showed up in real conversations with Claude, Anthropic's AI assistant.

57/ 100
Elevated
Rank
#115of 923 jobs
US workers
105,420BLS, May 2025
Median pay
$81,370a year
In real AI use
1 of 7tasks, April–May 2026

Task by task

Each task this job involves, as listed by O*NET, rated on whether a large language model like GPT-4 could cut the time it takes by at least half at the same quality. Tasks marked Seen in real AI use appeared in conversations with Claude in April–May 2026 (Anthropic Economic Index).

  • AI can speed this up on its own: 1 (14%)
  • AI can speed this up with extra software: 6 (86%)
  • Little or no AI speed-up: 0 (0%)
  • Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.AI can speed this up on its own · core task
  • Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.AI can speed this up with extra software · core task · Seen in real AI use
  • Decline excessive risks.AI can speed this up with extra software · core task
  • Evaluate possibility of losses due to catastrophe or excessive insurance.AI can speed this up with extra software · core task
  • Review company records to determine amount of insurance in force on single risk or group of closely related risks.AI can speed this up with extra software · core task
  • 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.AI can speed this up with extra software · core task
  • Authorize reinsurance of policy when risk is high.AI can speed this up with extra software · core task

Similar jobs, lower exposure

Related occupations that score at least 10 points lower.

Other jobs in this field

Business and Financial Operations occupations close to this one.

Questions about insurance underwriters and AI

Will AI replace insurance underwriters?

Not entirely. Parts of the job are likely to change as AI takes over routine tasks. Insurance Underwriters score 57 out of 100 (elevated exposure), #115 of 923 US jobs. AI could speed up 7 of the job's 7 tasks, 1 of them on its own. Exposure means the work is likely to change, not that the job will disappear.

Which insurance underwriters tasks can AI do?

The most exposed tasks include "Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies".

Which insurance underwriters tasks are hardest for AI?

Every task in this job has some AI exposure, though 6 of them need extra software built around the AI.

Are people already using AI for this work?

Yes. In April–May 2026, 1 of the 7 tasks showed up in real conversations with Claude, according to the Anthropic Economic Index.

How many people work as insurance underwriters, and what do they earn?

About 105,420 people in the US, with median pay of $81,370 a year (BLS, May 2025).

How to read this score. Exposure measures how much of the work AI could speed up, not whether the job will disappear. A highly exposed job can change shape, with people spending less time on routine tasks and more on the rest. The score counts tasks AI can speed up on its own in full, and tasks that need extra software at half weight.

The ratings come from published research based on GPT-4 (2023). To show what's happening now, each task is also checked against the latest Anthropic Economic Index, which records which tasks people actually use AI for. That data is refreshed automatically when Anthropic publishes a new release. Read the full method.

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