Insurance underwriter
Reviews insurance applications to judge how risky they are and decides whether to accept them.
Will AI replace insurance underwriter jobs?
AI changes jobs more often than it replaces them. How much AI can help with this work: Medium. More AI overlap than 56 in 100 jobs. AI helps with some tasks, like paperwork or first drafts. People still do the core of the job. 6% of this job’s working time is already spent on tasks people bring to AI at work (Anthropic Economic Index). Based on Microsoft research on real AI use at work, matched to the tasks of each job in O*NET.
What AI already helps with
- Turn down applications that are too risky
- Write to agents or medical staff to get information or explain policies
- Review company records to see how much insurance already covers a risk
What stays human
- Examine documents to judge risk from health, finances, and property condition
- Judge the chance of big losses from disasters or too much insurance
- Lower a policy's value when risk is high and add safe conditions
10-year outlook · USA
Expected change in the number of these jobs by 2035: -3.8%. Typical pay: $81,370 a year. US Bureau of Labor Statistics. German figures differ, but the direction is usually similar.
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