Somewhat Resilient
Last Update: 10/7/2026
AI Resilience Score for Insurance Underwriters:
42.3%
Median Score
Meaningful human contribution
Measures the parts of the occupation that still require a human touch. This score averages data from up to four AI exposure datasets, focusing on the role’s resilience against automation.
Med
Long-term employer demand
Predicts the health of the job market for this role through 2034. Using Bureau of Labor Statistics data, it balances projected annual job openings (60%) with overall employment growth (40%).
Low
Sustained economic opportunity
Measures future earning potential and career flexibility. This score is a blend of total projected labor income (67%) and the role’s inherent ability to adapt to economic and technological shifts (33%).
Med
This reflects the reliability of your score based on the number of data sources available for this career and how closely those sources agree on the outlook. A higher confidence means more consistent evidence from labor experts and AI models.
Most data sources align, with only minor variation. This is a well-supported result.
AI Resilience Report forInsurance Underwriters
$81,370 median salary•6,800 annual openings•SOC Code: 13-2053.00
Insurance Underwriters are somewhat less resilient to AI impacts than most occupations, according to our analysis of 8 sources.
Insurance underwriting is labeled "Somewhat Resilient" because AI is already handling a big chunk of the routine work, like document review and risk scoring, which means the job is genuinely changing rather than staying the same. The good news is that human judgment on complex or unusual cases is still needed, and regulators in 19 states are actually requiring human oversight of AI decisions, which keeps people in the loop.
Learn more about how you can thrive in this position
This role is somewhat resilient
Insurance underwriting is labeled "Somewhat Resilient" because AI is already handling a big chunk of the routine work, like document review and risk scoring, which means the job is genuinely changing rather than staying the same. The good news is that human judgment on complex or unusual cases is still needed, and regulators in 19 states are actually requiring human oversight of AI decisions, which keeps people in the loop.
Read full analysisAnalysis of current AI resilience
Insurance Underwriters
Updated quarterly
How can Insurance Underwriters prepare for AI?
Latest AI news for Insurance Underwriters
These articles highlight how AI is reshaping the insurance underwriting landscape, presenting exciting opportunities for future underwriters. For instance, generative AI enhances efficiency and personalization, while AI-driven tools improve risk assessment accuracy by up to 43%. As underwriting processes become faster and more precise, students can leverage these advancements to stay competitive. Embracing AI technologies will not only streamline operations but also enable underwriters to offer tailored solutions, ensuring a resilient career path in an evolving industry.
Underwriter's edge: Harnessing Generative AI for optimal ...
www.deloitte.com • 9/20/2026
Generative AI is transforming insurance underwriting and driving efficiency, personalization, and regulatory innovation across every sector. GenAI underwriting ...
AI in insurance underwriting: A complete guide
www.salesforce.com • 9/20/2026
AI is particularly useful in insurance underwriting, where it can help insurers assess risk more accurately and efficiently.
How Artificial Intelligence Is Transforming the Insurance ...
biztechmagazine.com • 9/20/2026
Mar 4, 2025 — For complex policies, AI has helped reduce underwriting processing times by 31% while improving risk assessment accuracy by 43%.
AI in Insurance Underwriting For Efficiency & Accuracy - Sapiens
sapiens.com • 9/20/2026
AI enhances risk assessment accuracy, accelerates processing times, reduces operational costs, and enables personalized insurance offerings.
How AI is Impacting the Insurance Industry
www.duckcreek.com • 9/20/2026
AI in insurance impacts many areas of the underwriting process, but most importantly, pricing. AI can help underwriters look at current and past risk levels ...
More Career Info
Career: Insurance Underwriters
They decide if people can get insurance by reviewing applications and assessing risks to help the company avoid losing money.
Parent Careers
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Employment & Wage Data
Median Wage
$81,370
Jobs (2025)
125,600
Growth (2025-35)
-3.8%
Annual Openings
6,800
Education
Bachelor's degree
Experience
None
Source: Bureau of Labor Statistics, Employment Projections 2025-2035
Task-Level AI Resilience Scores
AI-generated estimates of task resilience over the next 3 years
1
Evaluate possibility of losses due to catastrophe or excessive insurance.
2
Authorize reinsurance of policy when risk is high.
3
Decline excessive risks.
4
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.
5
Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
6
Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
7
Review company records to determine amount of insurance in force on single risk or group of closely related risks.
Tasks are ranked by their AI resilience, with the most resilient tasks shown first. Core tasks are essential functions of this occupation, while supplemental tasks provide additional context.
