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critical Riskfinance

Insurance Underwriter

Review insurance applications and evaluate risk to determine coverage and premiums.

Role Exposure Estimate
100%
Baseline: 92% 8 points after current signals

Signals updated 8/25/2026

Task-by-Task Analysis

Here's how AI might impact each core task of a insurance underwriter:

Analyze risk factors in applications90% estimated exposure
Calculate premiums based on risk95% estimated exposure
Review policy renewals88% estimated exposure
Make coverage decisions85% estimated exposure

Current Risk Signals

Recent factors included in this role estimate:

+15%
layoffs
2,600 workers laid off in related industries (1 AI-related)
+1%
employment
-1.2% employment change year-over-year

These signals are reviewed on a schedule and may not reflect every recent event. Use the score as a directional estimate, not a prediction.

Score Breakdown

Base Risk (O*NET Research)92%
Industry Layoffs+15%
Employment Trends (BLS)+1%
Final Score100%

Risk Trend (90 Days)

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AI Tools Threatening This Role

AI risk models
Automated underwriting platforms
Machine learning pricing

Work Current Tools Handle Less Reliably

Complex commercial policies
Client negotiations
Regulatory compliance

Practical Ways to Adapt

Data science
Actuarial skills
Risk management certification
InsurTech

Key Skills for This Role

Risk AssessmentAnalytical ThinkingInsurance Regulations

Career Overview

Median Salary$76,000/yr
Total Employed104k
Job Outlookdeclining
Categoryfinance

Get Your Score

This page shows the average role. Check the tasks that fill your actual day to see where your score differs.

Data sources: U.S. Bureau of Labor Statistics (BLS), O*NET OnLine, industry research reports. Occupation pages use versioned task data and a consistent scoring model. Individual results also reflect the tasks a person selects.

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