AI exposure by occupation, O*NET 41-3021.00
Will AI replace Insurance Sales Agents?
Insurance Sales Agents: AI can already handle 11 of 19 tasks; the work mostly needs a frontier-tier model.
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Every task, scored
The 19 tasks O*NET 30.3 lists for Insurance Sales Agents, from most to least exposed. 11 reach 60 or more, the level at which AI already handles a task.
| Task | AI exposure | Evidence | Model tier |
|---|---|---|---|
| Calculate premiums and establish payment method. | Estimated | Frontier | |
| Customize insurance programs to suit individual customers, often covering a variety of risks. | Estimated | Frontier | |
| 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. | Estimated | Frontier | |
| Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries. | Estimated | Standard | |
| Confer with clients to obtain and provide information when claims are made on a policy. | Estimated | Efficient | |
| 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. | Estimated | Efficient | |
| Contact underwriter and submit forms to obtain binder coverage. | Estimated | Efficient | |
| Select company that offers type of coverage requested by client to underwrite policy. | Estimated | Frontier | |
| Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms. | Estimated | Standard | |
| Monitor insurance claims to ensure they are settled equitably for both the client and the insurer. | Estimated | Efficient | |
| Explain necessary bookkeeping requirements for customer to implement and provide group insurance program. | Estimated | Standard | |
| Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans. | Estimated | Standard | |
| Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients. | Estimated | Frontier | |
| Develop marketing strategies to compete with other individuals or companies who sell insurance. | Estimated | Frontier | |
| Plan and oversee incorporation of insurance program into bookkeeping system of company. | Estimated | Frontier | |
| Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts. | Estimated | Standard | |
| Perform administrative tasks, such as maintaining records and handling policy renewals. | Estimated | Efficient | |
| Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk. | Estimated | Efficient | |
| Install bookkeeping systems and resolve system problems. | Estimated | Efficient |
Observed: scored from AI use recorded in the Anthropic Economic Index (June 2026 release), 0 of 19 tasks. Estimated: scored from the task's O*NET 30.3 work activity, 19 of 19. Importance is O*NET's 1 to 5 rating of how central the task is. Model tier is the lowest tier that can do the task under the published rubric; "No tier" marks hands-on work.
The model tier this role needs
A frontier-tier model or lower covers 100% of the role's importance-weighted task work. 100% of the work is something AI can address at some tier.
Efficient, standard and frontier tiers come from the JobRoute model tier reference. The recommended tier is the lowest one that covers 80% of the work AI can address. How the method works.
Wages, employment and outlook
- US employment
- 479,100
- Median annual wage
- $62,280
- Middle half of earners
- $46,870 to $96,950
- Projected change, 2024 to 2034
- +3.7%
Employment and wages: BLS Occupational Employment and Wage Statistics, May 2025, national. Projection: BLS Employment Projections 2024 to 2034.
Adjacent roles
The occupations that reuse the most of this role's skills, with the usual time to move. These are the first places to look when you plan to redeploy or retrain people in this role.
- Advertising Sales Agents 72% skill overlap, about 10 months to move Exposure65
- Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel 70% skill overlap, about 11 months to move Exposure61
- Real Estate Sales Agents 69% skill overlap, about 11 months to move Exposure39
- Securities, Commodities, and Financial Services Sales Agents 67% skill overlap, about 12 months to move Exposure57
- Insurance Claims and Policy Processing Clerks 64% skill overlap, about 13 months to move Exposure78
Skill overlap and transition time from the JobRoute role adjacency graph on O*NET 30.3 skills.
Questions about Insurance Sales Agents and AI
Will AI replace Insurance Sales Agents?
AI already handles 11 of the 19 tasks O*NET lists for this occupation, at a task exposure of 60 or more, and the role's importance-weighted exposure is 61 out of 100. JobRoute scores tasks, not whole jobs, so the score shows how much of the work changes rather than whether the job disappears. BLS projects employment to change by +3.7% from 2024 to 2034.
What is the AI exposure of Insurance Sales Agents?
61 out of 100 on JobRoute's task exposure measure, the importance-weighted average of the role's O*NET task scores. Higher means more of the work is AI-doable today. 0 of the 19 task scores are observed in the Anthropic Economic Index (June 2026 release), and the other 19 are estimated from each task's O*NET work activity.
Which Insurance Sales Agents tasks can AI already do?
The tasks with the highest exposure are: Calculate premiums and establish payment method; 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. They are three of the 11 tasks that reach 60 or more.
What AI model tier does this role need?
A frontier-tier model or lower covers 100% of the role's importance-weighted task work. JobRoute assigns each task the lowest tier that can do it under a published rubric and recommends the lowest tier that covers 80% of the work AI can address.
How many people work as Insurance Sales Agents, and what do they earn?
479,100 people in the United States, with a median annual wage of $62,280 (BLS Occupational Employment and Wage Statistics, May 2025). BLS Employment Projections expect a change of +3.7% from 2024 to 2034.
How to cite
Data version 2026-11-02, JobRoute method v1.0.0. Download all occupations or this occupation as JSON. Methodology.
JobRoute (2026). AI exposure: Insurance Sales Agents. Data version 2026-11-02, method v1.0.0. Built on O*NET 30.3, BLS OEWS May 2025 and the Anthropic Economic Index (June 2026). CC BY 4.0. https://www.jobroute.ai/jobs/insurance-sales-agents
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