Will AI Replace Insurance Underwriters? AI Risk 78/100

Q: Will AI replace insurance underwriters?

Insurance underwriters get an AI risk score of 78 out of 100 (high risk). Big changes are already under way and most of the routine work could be automated by about 2030.

High risk

The verdict

Big changes are already under way and most of the routine work could be automated by about 2030.

What AI already does

Models price standard risks and approve routine policies automatically.

What stays human

Large, unusual or complex risks and negotiating with brokers.

What to learn next

Specialist lines, risk modelling, broker relationships.

Check your own version of this job

Other finance jobs

Bank tellers80/100, high risk Bookkeepers80/100, high risk Loan officers70/100, high risk Accountants62/100, high risk Financial analysts62/100, high risk Actuaries55/100, medium risk

Safer moves from insurance underwriters: financial advisors (42), actuaries (55).

All 89 jobs · Jobs safe from AI · Jobs AI will replace

Sources: World Economic Forum, Future of Jobs Report 2025; IMF, "Gen-AI: Artificial Intelligence and the Future of Work" (2024); ILO, "Generative AI and Jobs" (2023, updated 2025); Eloundou et al., "GPTs are GPTs" (2023); Frey and Osborne, "The Future of Employment" (2013). Scores are RoboDoom's own estimates, see how we score.

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