AI exposure by occupation, O*NET 13-2053.00
Will AI replace Insurance Underwriters?
Insurance Underwriters: AI can already handle 7 of 7 tasks; the work mostly needs a frontier-tier model.
Have a team in this role?
Get your free 10-role sample: send this role and up to nine others, and a founder sends a board-pack PDF within two business days.
Every task, scored
The 7 tasks O*NET 30.3 lists for Insurance Underwriters, from most to least exposed. 7 reach 60 or more, the level at which AI already handles a task.
| Task | AI exposure | Evidence | Model tier |
|---|---|---|---|
| Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property. | Estimated | Standard | |
| Decline excessive risks. | Estimated | Frontier | |
| Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies. | Estimated | Standard | |
| 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. | Estimated | Frontier | |
| Authorize reinsurance of policy when risk is high. | Estimated | Frontier | |
| Evaluate possibility of losses due to catastrophe or excessive insurance. | Estimated | Standard | |
| Review company records to determine amount of insurance in force on single risk or group of closely related risks. | Estimated | Efficient |
Observed: scored from AI use recorded in the Anthropic Economic Index (June 2026 release), 0 of 7 tasks. Estimated: scored from the task's O*NET 30.3 work activity, 7 of 7. 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
- 105,420
- Median annual wage
- $81,370
- Middle half of earners
- $64,620 to $110,390
- Projected change, 2024 to 2034
- -2.6%
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.
- Claims Adjusters, Examiners, and Investigators 66% skill overlap, about 12 months to move Exposure69
- Insurance Sales Agents 64% skill overlap, about 13 months to move Exposure61
- Actuaries 62% skill overlap, about 14 months to move Exposure47
- Insurance Appraisers, Auto Damage 61% skill overlap, about 14 months to move Exposure55
- Insurance Claims and Policy Processing Clerks 60% skill overlap, about 14 months to move Exposure78
Skill overlap and transition time from the JobRoute role adjacency graph on O*NET 30.3 skills.
Questions about Insurance Underwriters and AI
Will AI replace Insurance Underwriters?
AI already handles 7 of the 7 tasks O*NET lists for this occupation, at a task exposure of 60 or more, and the role's importance-weighted exposure is 72 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 -2.6% from 2024 to 2034.
What is the AI exposure of Insurance Underwriters?
72 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 7 task scores are observed in the Anthropic Economic Index (June 2026 release), and the other 7 are estimated from each task's O*NET work activity.
Which Insurance Underwriters tasks can AI already do?
The tasks with the highest exposure are: 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. They are three of the 7 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 Underwriters, and what do they earn?
105,420 people in the United States, with a median annual wage of $81,370 (BLS Occupational Employment and Wage Statistics, May 2025). BLS Employment Projections expect a change of -2.6% 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 Underwriters. 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-underwriters
Have a team in this role?
Get your free 10-role sample. Send this role and up to nine others, with no employee data, and a founder sends a PDF in board-pack format within two business days.
A founder replies within one business day.