Can AI Replace Insurance Underwriters in 2026?

High exposure. AI could handle about 82% of today's insurance underwriters tasks by 2036, and there is a 73% chance the number of jobs falls by a fifth or more. AI is likely to take over many tasks outright.

See how not to be replaced

Timeline

Year2030

Tasks AI can do

43%

Headcount (2025 = 100)

Chance of 20%+ fewer jobs

23% 2030 · 73% 2036

One person could cover, 2036

5.6 roles

Share of today's tasks AI can perform

Headcount index, 2025 = 100 (dashed line)

Your survival map

Not every part of your job is at the same risk. Tap a number to see what to do about each task.

Your human coreDo it with AIHand to AI

Tap a number on the map or a task below.

Lower-risk jobs that use similar skills

Actuaries62% risk by 2036 Financial Managers63% risk by 2036 Security Managers44% risk by 2036

Your plan

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Try an AI tool on one task you'd normally do by hand: "Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies".Learn one AI tool well enough to show it in an interview, for: "Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property".Take on work where you sign off, decide or carry responsibility: that part stays human.Rewrite the top of your CV around judgment, people and decisions, not routine output.Read about a lower-risk move: Actuaries.

Lower-risk jobs with similar tasks

Actuaries — 62% chance of contraction by 2036
Financial Managers — 63% chance of contraction by 2036
Security Managers — 44% chance of contraction by 2036

Similar occupations

Insurance Sales Agents · Insurance Claims and Policy Processing Clerks · Financial Risk Specialists · Retail Loss Prevention Specialists

Based on 7 O*NET tasks for "Insurance Underwriters" (SOC 13-2053.00). LLM alone: 14% of tasks; with AI tools: 100%. Projections are a model, not official statistics. How we calculate this · Data version 2026-10