Business & FinanceO*NET: 13-2053.00
Will AI Replace Insurance Underwriters?
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
77out of 100
High Risk
AI Risk Score
77/100
Risk Level
High
Job Zone
4/5
Advanced
Total Tasks Analyzed
7
🤖 What AI Can Do
- ▸Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
- ▸Review company records to determine amount of insurance in force on single risk or group of closely related risks.
👤 What Requires Humans
- ▸Providing empathy and emotional support
- ▸Creative problem-solving in ambiguous contexts
- ▸Physical tasks requiring fine motor skills and dexterity
Task Breakdown
🤖AI Can Automate (2)
- Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
- Review company records to determine amount of insurance in force on single risk or group of closely related risks.
⚡AI-Assisted (5)
- 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.
- 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.
Key Skills Analysis
Reading ComprehensionAI-Vulnerable
Importance: 3.75/5.00
Active Listening
Importance: 3.75/5.00
WritingAI-Vulnerable
Importance: 3.75/5.00
Critical ThinkingAI-Resistant
Importance: 3.75/5.00
Speaking
Importance: 3.62/5.00
Judgment and Decision MakingAI-Resistant
Importance: 3.50/5.00
Active LearningAI-Resistant
Importance: 3.12/5.00
Complex Problem SolvingAI-Resistant
Importance: 3.12/5.00
Monitoring
Importance: 3.00/5.00
Social PerceptivenessAI-Resistant
Importance: 3.00/5.00
CoordinationAI-Resistant
Importance: 3.00/5.00
Service OrientationAI-Resistant
Importance: 3.00/5.00
MathematicsAI-Vulnerable
Importance: 2.88/5.00
PersuasionAI-Resistant
Importance: 2.88/5.00
Time ManagementAI-Resistant
Importance: 2.88/5.00
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Frequently Asked Questions
Based on our analysis, Insurance Underwriters have a high risk of AI replacement with a score of 77/100. Many routine tasks in this role can be automated, but human oversight remains important.
Last updated: 2026-03-28· Data from O*NET 30.2 & Frey/Osborne automation research