Insurance underwriters
Insurance underwriters identify and measure the risks associated with an activity, determine whether this risk is insurable and issue insurance policies which provide financial compensation in the event of loss.
- Employees (UK)
- 25k
- Median annual pay
- £38,666
- Exposure score ?
- 1.3/10 Minimal 9.8/10 Very high strict reading, with tools is 9.8/10 with-tools reading, strict is 1.3/10
- Wage exposure
- £126m £947m
Higher exposure than 64% of the 379 UK occupations we scored.
What this score means.
Most of this role's work is still hard for AI: physical presence, practised skill, judgement in context and direct care, the things that do not turn into text.
If you are in this role
Nothing here is under pressure today, but the frontier moves. Learn enough to direct AI at the paperwork around the job. People in hands-on roles who can do that become unusually useful inside their organisations.
Almost every routine task in this role is within reach of today's models. Roles like this are being rebuilt, usually not by disappearing but by one person using AI to produce what several did.
If you are in this role
Be the person doing the rebuilding. People who learn to run this kind of work with AI become very valuable, and the ones who wait tend to have the change made for them.
Where the work usually starts.
These are the most important tasks a language model can already handle directly. In a typical engagement the first wins come from building workflows around them, so they stop eating the team's time.
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Perform administrative tasks, such as maintaining records and handling policy renewals.
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Calculate premiums and establish payment method.
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Install bookkeeping systems and resolve system problems.
These are the most important tasks AI can already handle when paired with the right tools and context. The first wins usually come from building workflows around them. That is the difference between a model that could do the job and one that actually does it inside your business.
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Customize insurance programs to suit individual customers, often covering a variety of risks.
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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.
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Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
Every role has three or four places like these. Finding them takes an hour. Turning them into a workflow your team actually uses takes a few days.
Every task in the role.
Every O*NET task for this occupation, split by what AI can do unaided and what still needs a person. Importance is O*NET's 1 to 5 rating of how central each task is.
Tasks via O*NET "Insurance Sales Agents" (41-3021.00).
What AI can already do
3 of 19 tasks, unaided
Perform administrative tasks, such as maintaining records and handling policy renewals.
Calculate premiums and establish payment method.
Install bookkeeping systems and resolve system problems.
What still needs a person
16 of 19 tasks
Customize insurance programs to suit individual customers, often covering a variety of risks.
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.
Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
Confer with clients to obtain and provide information when claims are made on a policy.
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.
Contact underwriter and submit forms to obtain binder coverage.
Select company that offers type of coverage requested by client to underwrite policy.
Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
Develop marketing strategies to compete with other individuals or companies who sell insurance.
Plan and oversee incorporation of insurance program into bookkeeping system of company.
Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
Tasks via O*NET "Insurance Sales Agents" (41-3021.00).
What AI can already do
19 of 19 tasks, with tools
Customize insurance programs to suit individual customers, often covering a variety of risks.
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.
Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
Perform administrative tasks, such as maintaining records and handling policy renewals.
Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
Confer with clients to obtain and provide information when claims are made on a policy.
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.
Contact underwriter and submit forms to obtain binder coverage.
Select company that offers type of coverage requested by client to underwrite policy.
Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
Develop marketing strategies to compete with other individuals or companies who sell insurance.
Calculate premiums and establish payment method.
Plan and oversee incorporation of insurance program into bookkeeping system of company.
Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
Install bookkeeping systems and resolve system problems.
Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
What still needs a person
0 of 19 tasks
When AI is paired with workflow tools, every task in this role is reachable. That doesn't mean the role disappears, it means almost all the routine surface area can be compressed.
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Related occupations.
Other roles in Associate professional occupations, and roles close by exposure.
What it means for your sector.
This role's score comes from Eloundou et al's 2023 task labels, weighted by O*NET importance within each O*NET-SOC code, then bridged to UK SOC 2020 through ISCO-08 (the ONS coding index) and US SOC 2010 (the BLS crosswalk). Employment and median pay come from ONS ASHE Table 14.7a, 2025 provisional, which covers employees only.
Back to the mapMethodologySources (PDF)Built 29 April 2026
Pictures
- "Census pantograph and 1930s keypunches" by U.S. Census Bureau employees, public domain, via Wikimedia Commons
- "Shepard Barclay, St. Louis lawyer, in his office" by Missouri Historical Society via DPLA, no known copyright restrictions, via Wikimedia Commons
- "Accountant's Office LCCN2016824374" by National Photo Company Collection, public domain, via Wikimedia Commons
- "Employment service in Oulu in the spring 1931" by Finnish Heritage Agency (Museovirasto), CC BY 4.0, via Wikimedia Commons