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AI exposure Business and financial operations

Will AI replace insurance underwriters?

Insurance Underwriters. US occupation 13-2053.

6.3%

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

Ranked 230 of 756 US occupations. More exposed than 69% of them.Further along than 69% of them.

Average US job 7.7%

Around the middle of the pack.Keeping pace with the average job.

What AI already does for insurance underwritersWhat insurance underwriters no longer do alone

O*NET lists 7 tasks for insurance underwriters. AI use at work shows up in 1 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. Decline excessive risks.Core task mostly automated 1.00

What it does not touch, yetWhat still needs a human

6 of the 7 tasks show no AI use at work in the data.

  • Authorize reinsurance of policy when risk is high.Core task
  • 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.Core task
  • Evaluate possibility of losses due to catastrophe or excessive insurance.Core task
  • Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.Core task
  • Review company records to determine amount of insurance in force on single risk or group of closely related risks.Core task
  • Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.Core task

How that compares

Among the 29 business and financial operations occupations, insurance underwriters rank 22. The group averages 17.7%, and its most exposed job is Market Research Analysts and Marketing Specialists at 64.8%. The average US occupation sits at 7.7%.

All 756 occupations, ranked

Just above in the ranking

  1. 228Adult Basic Education, Adult Secondary Education, and English as a Second Language Instructors 6.4%
  2. 228Education Administrators, Postsecondary 6.4%
  3. 230Broadcast Announcers and Radio Disc Jockeys 6.3%

Just below

  1. 232Amusement and Recreation Attendants 6.2%
  2. 233Natural Sciences Managers 6.1%
  3. 233Zoologists and Wildlife Biologists 6.1%

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.