medium risk

Insurance Underwriters

SOC: 13-2053.00 · Job Zone 4 (Considerable preparation)

Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.

MediumEst. full displacement: 2038–2046medium confidence

Raw task score: 59.0Protective discount: 22.3%7 tasks scoredModel: v1.0_gemini-3-1-pro-preview_20260228

AI Impact Summary

Insurance Underwriters faces moderate AI displacement risk with a score of 46/100. Significant displacement is estimated between 2038 and 2046. Of 7 analyzed tasks, 2 are highly automatable, particularly in routine_cognitive. Strong protective factors — including social intelligence, creativity, or regulatory barriers — significantly reduce effective risk.

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

$51,640Median: $79,880$138,020

Protective Factors

Total protective discount: 22.3%

Skill Analysis

AI-Vulnerable Skills (6)

Reading Comprehension10%

High reliance on Reading Comprehension is a risk area. Consider developing complementary AI-resistant skills to maintain value.

Mathematics10%

High reliance on Mathematics is a risk area. Consider developing complementary AI-resistant skills to maintain value.

Information Ordering5%

High reliance on Information Ordering is a risk area. Consider developing complementary AI-resistant skills to maintain value.

Mathematics10%

Mathematics is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.

Memorization5%

Memorization is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.

Programming15%

Programming is AI-vulnerable but has moderate importance in this role. AI tools may handle this; focus on higher-value skills.

AI-Resistant Skills (7)

Complex Problem Solving75%

Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.

Coordination70%

Coordination is AI-resistant — strengthening this skill provides durable career protection.

Social Perceptiveness90%

Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.

Persuasion80%

Persuasion is AI-resistant — strengthening this skill provides durable career protection.

Negotiation85%

Negotiation is AI-resistant — strengthening this skill provides durable career protection.

Instructing75%

Instructing is AI-resistant — strengthening this skill provides durable career protection.

Manual Dexterity80%

Manual Dexterity is AI-resistant — strengthening this skill provides durable career protection.

AI-Augmented Skills (5)

WritingCritical ThinkingJudgment and Decision MakingActive LearningSystems Analysis

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.

Complex Problem Solving
Complex Problem Solving is AI-resistant — strengthening this skill provides durable career protection.
Coordination
Coordination is AI-resistant — strengthening this skill provides durable career protection.
Social Perceptiveness
Social Perceptiveness is AI-resistant — strengthening this skill provides durable career protection.
Persuasion
Persuasion is AI-resistant — strengthening this skill provides durable career protection.
Negotiation
Negotiation 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.
Systems Analysis
Systems Analysis will be enhanced by AI. Develop expertise in using AI tools for this skill to increase productivity.

Task Breakdown

7 tasks analyzed

Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.

Non-Routine AnalyticalAI: 75Risk: 57.0Time: 30%

Decline excessive risks.

Non-Routine AnalyticalAI: 70Risk: 55.0Time: 5%

Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.

Non-Routine InterpersonalAI: 50Risk: 35.0Time: 20%

Evaluate possibility of losses due to catastrophe or excessive insurance.

Non-Routine AnalyticalAI: 75Risk: 57.0Time: 15%

Review company records to determine amount of insurance in force on single risk or group of closely related risks.

Routine CognitiveAI: 90Risk: 85.2Time: 15%

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.

Routine CognitiveAI: 85Risk: 83.2Time: 10%

Authorize reinsurance of policy when risk is high.

Non-Routine AnalyticalAI: 60Risk: 51.0Time: 5%

Task	Category	AI Capability	Risk Score	Time %
Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.	Non-Routine Analytical	75	57.0	30%
Decline excessive risks.	Non-Routine Analytical	70	55.0	5%
Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.	Non-Routine Interpersonal	50	35.0	20%
Evaluate possibility of losses due to catastrophe or excessive insurance.	Non-Routine Analytical	75	57.0	15%
Review company records to determine amount of insurance in force on single risk or group of closely related risks.	Routine Cognitive	90	85.2	15%
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.	Routine Cognitive	85	83.2	10%
Authorize reinsurance of policy when risk is high.	Non-Routine Analytical	60	51.0	5%