Headline risk
48%
High RiskInsurance Underwriter
This page reuses the same role shell as Singapore, but the component occupations are mapped onto the United States layer so the score, context, and support bundle reflect US public evidence.
Why this score
82% of tasks overlap with current AI
22% human advantage from judgment & presence
54% demand buffer from the local labour market
These factors combine multiplicatively — larger bars do not mean proportionally larger contributions to the final score.
Weighted overlap across component occupations
Human coordination and physical presence protection
Blended local-market buffer for this role
Component coverage and mapping quality
Workflow profile
Heuristic workflow context blended from the role mix. This explains the score; it is not used as a direct local-market forecast.
Workflow dimensions (0 = low, 1 = high)
United States support
Evidence bundle
Weighted task overlap from O*NET statements and Anthropic penetration
Median annual wage from BLS OEWS
Employment projections and openings from BLS
Preparation and entry requirements from O*NET and BLS
Support snapshot
Job zone
4The occupation usually needs substantial preparation and experience.
Median wage
USD 79,880USD 63,070 to USD 104,820
Openings
8.2K-2.6% projected change
Median age
44.5142K employed
Occupation profile
Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
Job Zone 4 · Moderate preparation
The occupation usually needs substantial preparation and experience.
Task primitives
Matched task weight share: 100% · Effective coverage: 16%
Concentration: 100%
Wage context
Median annual
USD 79,880
Mean annual
USD 90,830
Hourly median: USD 38
Employment: 107,820 workers
10th percentile: USD 51,640
90th percentile: USD 138,020
Demand outlook
2024 employment
127.0K
2034 employment
123.7K
Openings: 8.2K
Projected change: -2.6%
Education: Bachelor's degree
Work experience: None
On-the-job training: Moderate-term on-the-job training
Median wage in projections: USD 79,880
Employment of insurance underwriters is projected to grow 3 percent from 2024 to 2034, decline.
Requirements and friction
Telework: 58.5% · Telework: 41.5% · Credentials: 16.3%
Narrative and skills
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.
Jobs: 127,000
Median pay: USD 79,880
Employment outlook: Employment of insurance underwriters is projected to grow 3 percent from 2024 to 2034, decline.
Openings: -3,300
Tasks and tools
- 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%
Work context
- E-Mail: 5.0/5
- Spend Time Sitting: 4.9/5
- Telephone Conversations: 4.8/5
- Indoors, Environmentally Controlled: 4.6/5
- Time Pressure: 4.6/5
- Contact With Others: 4.5/5
Tech density
6/6
6 hot · 4 in demand
Work pace
4.7/5
Average of the strongest work-context signals.
Worker profile
Median age: 44.5
Total employed: 142K · Under 25: 1% · 25 to 54: 74% · 55+: 24%
Support note
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.
Source vintage
O*NET 30.2 / OEWS 2024 / ORS 2025 / OOH 2025-08-28 / Projections 2024-34 / CPS 2025 / Anthropic task penetration
Component occupations
Insurance underwriters
13-2053 · 60% weight
Insurance underwriter
Support bundle: Moderate preparation
Financial and investment analysts
13-2051 · 20% weight
Compliance officer/Risk analyst
Support bundle: Moderate preparation
Financial and investment analysts
13-2051 · 20% weight
Financial analyst
Support bundle: Moderate preparation
Methodology
Shared spine
structural_pressure = exposure × (1 - bottleneck)
Country layer
headline_risk = structural_pressure × (1 - country_demand_resilience)
Published limitations
This is a synthetic role view built from mapped occupations. It reuses the same shell and visual components as the Singapore role pages, but only the US sources that actually exist are rendered here.