How over is it?

A mood ring wired to real instruments

AI exposure Sales

Will AI replace insurance agents?

Insurance Sales Agents. US occupation 41-3021.

31.9%

of the time insurance agents spend on their work goes on tasks where AI is already being used to do that work.of insurance agents' working hours go on tasks AI has already started taking off their plate.

Ranked 58 of 756 US occupations. More exposed than 92% of them.Further along than 92% of them.

Average US job 7.7%

One of the most exposed jobs in the country.Front of the queue for an AI assistant.

What AI already does for insurance agentsWhat insurance agents no longer do alone

O*NET lists 19 tasks for insurance agents. AI use at work shows up in 4 of them. Each score runs from 0.5, where every observed use helps a person with the task, to 1, where every use does the task outright.

  1. 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.Core task mostly automated 0.99
  2. Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.Core task mostly automated 0.96
  3. Confer with clients to obtain and provide information when claims are made on a policy.Core task mostly automated 0.92
  4. Customize insurance programs to suit individual customers, often covering a variety of risks.Core task mostly automated 0.91

What it does not touch, yetWhat still needs a human

15 of the 19 tasks show no AI use at work in the data.

  • Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.Core task
  • Calculate premiums and establish payment method.Core task
  • Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.Core task
  • Contact underwriter and submit forms to obtain binder coverage.Core task
  • Develop marketing strategies to compete with other individuals or companies who sell insurance.Core task
  • Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.Core task
Show the other 9
  • Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.Core task
  • Perform administrative tasks, such as maintaining records and handling policy renewals.Core task
  • Select company that offers type of coverage requested by client to underwrite policy.Core task
  • 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.Core task
  • Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
  • Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
  • Install bookkeeping systems and resolve system problems.
  • Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
  • Plan and oversee incorporation of insurance program into bookkeeping system of company.

How that compares

Among the 20 sales occupations, insurance agents rank 6. The group averages 23.6%, and its most exposed job is Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products at 62.8%. The average US occupation sits at 7.7%.

All 756 occupations, ranked

Just above in the ranking

  1. 54Retail Salespersons 32.2%
  2. 54Sales Engineers 32.2%
  3. 57Marketing Managers 32.0%

Just below

  1. 59Chemical Technicians 31.5%
  2. 60Computer Occupations, All Other 31.1%
  3. 60Judges, Magistrate Judges, and Magistrates 31.1%

What this does and does not mean

Exposure is observed use, not a forecast. Anthropic maps work conversations with Claude onto the tasks O*NET lists for each job and asks, of the tasks AI could speed up, which are actually being used for at work. A use that does the task outright counts in full and a use that assists a person counts half. The task scores are averaged into the occupation figure by the share of time spent on each task.

A high figure means AI is already part of how this work gets done. It does not mean anyone has been replaced. Anthropic's own reading of the labour market finds no systematic rise in unemployment among exposed workers so far, and about 14% fewer 22 to 25 year olds starting exposed jobs.No measurable rise in unemployment among exposed workers so far, and about 14% fewer 22 to 25 year olds starting these jobs. Gap years for everyone. Labor market impacts, 5 March 2026.

Task list and titles from O*NET 31.0 by the US Department of Labor, Employment and Training Administration, used under the CC BY 4.0 licence. Scores from the Anthropic Economic Index (CC BY). Checked 1 November 2026. How the ranking works.