13-2053.00

Insurance Underwriters

Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications. Analyze information in insurance applications, medical reports, and actuarial studies to determine premiums.

8.5OUT OF 10SAFEHIGH RISK
High Risk

The robots are coming for your paycheck

Top 5% most at-risk occupations we track

Frey & Osborne (2013) estimated 92% probability of automation for this role
paper →
Top 5%
most at-risk
7
jobs riskier than this
-3.5%
projected growth

Disruption Vector

Disruption Type

Software & AI

AI software systems—language models, automation tools, and intelligent algorithms—are the primary vector of disruption for this role.

AI underwriting systems (Lemonade, Cape Analytics, Tractable) now process applications, assess risk, set premiums, and approve or deny coverage with minimal human oversight for standard personal lines. Commercial insurance with complex risk profiles still needs human judgment, but personal auto, home, and life insurance underwriting is rapidly automating. A high-displacement role.

Disrupted byGitHub CopilotChatGPT / GPT-4oSalesforce Einstein

Salary & Job Outlook

Median Annual Pay
$76,390
US Bureau of Labor Statistics
10-Year Job Growth
-3.5%
Declining
Education Required
Bachelor's degree
Job Zone 4 / 5

AI Risk Timeline

8.5
9.3
10.0
10.0
Today
5 Years
10 Years
20 Years

Projection model: Based on current AI capability growth rates. High-risk occupations are projected to see compounding automation pressure, while human-centric roles show slower risk accumulation. These are statistical projections, not guarantees.

Skills Analysis — AI Vulnerability

AI can replicate (0)
AI-resistant (1)
Mixed
Critical Thinking80%
Active Learning75%
Complex Problem Solving78%
Judgment and Decision Making82%
Reading Comprehension72%

Career Pivot Paths

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Insurance Underwriters

8.5
/ 10
High Risk
85% automation risk

"Let's just say your LinkedIn is about to get very busy."

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INSURANCE UNDERWRITERS
8.5

/ 10

HIGH RISK

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You're more at risk than a Architects (score: 3.8). Maybe it's time to rethink.

This analysis is for informational purposes only and is based on statistical models and academic research. It does not constitute career advice and is not a guarantee of future employment outcomes. AI impact varies significantly by employer, region, and individual circumstances. Learn about our methodology →