Headline risk
41%
High RiskInsurance underwriters
United States AI Work Index tracks this occupation on the shared structural baseline and then layers on local demand resilience, wages, and confidence.
Why This Score
Share of job tasks that overlap with current AI capabilities
Median annual wage
Projected employment change over 10 years
Typical preparation needed for this occupation
Occupation profile
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
Task evidence
100% weighted task match · 16% effective coverage
Scores combine AI task overlap, human advantages, and local demand. How it works
United States Now
Median Wage
USD 79,880
Employment 2024
127.0K
Projected Change (2024–34)
-2.6%
Openings (2024–34)
8.2K
Wage distribution
Demand outlook
Employment of insurance underwriters is projected to grow 3 percent from 2024 to 2034, decline.
Role Profile
Tasks
- 1. Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property. AI use: 0%
- 2. Decline excessive risks. AI use: 100%
- 3. Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies. AI use: 0%
- 4. Evaluate possibility of losses due to catastrophe or excessive insurance. AI use: 0%
- 5. 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. AI use: 0%
- 6. Review company records to determine amount of insurance in force on single risk or group of closely related risks. AI use: 0%
Technologies
Requirements
Work context
Worker profile
Median age 44.5 · 142K employed
Under 25: 1% · 25–54: 74% · 55+: 24%
Related
Source coverage
11/11 source families · O*NET 30.2 / OEWS 2024 / ORS 2025 / OOH 2025-08-28 / Projections 2024-34 / CPS 2025 / Anthropic task penetration
Mapping quality
crosswalk_exact · employment series present
Narrative & sources
Insurance underwriters evaluate insurance applications and decide whether to approve them.
Insurance underwriters work in an office setting during regular business hours. Most work full time.
Insurance underwriters typically need a bachelor’s degree to enter the occupation. Certification may be beneficial.
The median annual wage for insurance underwriters was $79,880 in May 2024.
Employment of insurance underwriters is projected to grow 3 percent from 2024 to 2034, decline.
Published limitations
This page shows the local country layer, not realised individual job outcomes. The global structural baseline is shared across countries; only the local demand and wage layer changes here.
Built from O*NET occupation descriptions, task statements, technology skills, work context, Job Zones, Anthropic task penetration, BLS OEWS wages, BLS projection tables, BLS ORS requirements, BLS OOH narrative content, BLS skills data, and BLS CPS occupation age tables.