AI exposure: Insurance Sales Agents
Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.
Reading this score
computed45.9% of this occupation's weighted task load is exposed, which puts Insurance Sales Agents at the 83th percentile of 923 occupations. The capability is largely there. Its average task scores 2.8 out of 4 on what a current system can produce, and the frictions that hold other jobs in place are comparatively weak here.
What holds the line here is context. Across this occupation's 19 tasks it averages 1.79 out of 3, the highest of the five friction dimensions. In plain terms, the work depends on knowledge the model cannot hold. Much of this job runs on things that were never written down: what this particular organisation does, what happened last week, what the person across the table actually meant. That context is the barrier, and it erodes as systems are given more access.
The most exposed thing this job does is Ensure that policy requirements are fulfilled, at 80.0%. The least is Inspect property, examining its general condition, type of construction, age, and other..., at 10.0%. A gap of 70.0% between two parts of the same job is the reason this index publishes at task level. An occupation-wide number would have hidden both.
Within sales occupations, this one is less exposed than the median of 50.0% across the group's 22 roles, with 14 scoring higher. Being in an exposed family does not make a particular job exposed, and the reverse holds too.
What would move this score. Of 19 tasks, 14 are currently banded exposed, 3 assisted and 2 untouched. For that distribution to shift materially would take systems being given deeper access to the organisation's own records and history, which is already happening. The score is re-computed every quarter against a fresh capability reference, and the change is published rather than quietly applied.
Task by task
19 tasks, O*NET 31.0| Task | Exposed | Assisted | Untouched | Importance | Band |
|---|---|---|---|---|---|
| Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms. | 80.0% | 20.0% | 0.0% | 3.96 | exposed |
| Monitor insurance claims to ensure they are settled equitably for both the client and the insurer. | 80.0% | 20.0% | 0.0% | 3.93 | exposed |
| Perform administrative tasks, such as maintaining records and handling policy renewals. | 64.2% | 23.3% | 12.5% | 4.19 | exposed |
| Calculate premiums and establish payment method. | 61.3% | 26.2% | 12.5% | 3.85 | exposed |
| 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. | 55.0% | 20.0% | 25.0% | 4.06 | exposed |
| Develop marketing strategies to compete with other individuals or companies who sell insurance. | 55.0% | 20.0% | 25.0% | 3.90 | exposed |
| Install bookkeeping systems and resolve system problems. | 55.0% | 20.0% | 25.0% | 3.34 | exposed |
| Confer with clients to obtain and provide information when claims are made on a policy. | 45.0% | 30.0% | 25.0% | 4.08 | exposed |
| Contact underwriter and submit forms to obtain binder coverage. | 45.0% | 30.0% | 25.0% | 4.05 | exposed |
| Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients. | 41.7% | 20.8% | 37.5% | 4.14 | exposed |
| Customize insurance programs to suit individual customers, often covering a variety of risks. | 40.0% | 35.0% | 25.0% | 4.43 | exposed |
| Select company that offers type of coverage requested by client to underwrite policy. | 40.0% | 35.0% | 25.0% | 4.00 | exposed |
| Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries. | 37.5% | 37.5% | 25.0% | 4.13 | assisted |
| Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans. | 35.0% | 40.0% | 25.0% | 4.23 | assisted |
| Explain necessary bookkeeping requirements for customer to implement and provide group insurance program. | 35.0% | 40.0% | 25.0% | 3.32 | assisted |
| 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. | 30.0% | 20.0% | 50.0% | 4.37 | exposed |
| Plan and oversee incorporation of insurance program into bookkeeping system of company. | 26.7% | 23.3% | 50.0% | 3.83 | exposed |
| Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts. | 26.2% | 11.2% | 62.5% | 3.57 | untouched |
| Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk. | 10.0% | 15.0% | 75.0% | 3.67 | untouched |
Task text and importance ratings sourced from O*NET 31.0. Shares computed. The occupation score is the importance-weighted mean.
Where the score comes from
judgedEvery task is scored through the standardised work activities it maps to. These are this occupation’s averages on the six rubric dimensions. Capability is what AI can do; the other five are what stands in the way.
| Dimension | Mean | Scale |
|---|---|---|
| Capability | 2.84 | 0-4 |
| Embodiment | 0.39 | 0-3 |
| Presence | 1.00 | 0-3 |
| Accountability | 1.08 | 0-3 |
| Context | 1.79 | 0-3 |
| Verification cost | 1.39 | 0-3 |
What this means in practice
Where most of a role's weighted task load is exposed, the work that survives is usually the part of the job nobody wrote into the job description: deciding what should be produced rather than producing it, and being answerable for the result. The tasks lowest on this page are a better guide to where to spend your time than any general advice about the future of work.
Occupations either side of this one
The four closest scores in the same occupational family, then the four closest anywhere in the index.
Read this carefully. Exposure is not displacement. A high score means current AI systems can produce this work, not that anyone will stop paying a person to do it. Adoption depends on economics, regulation and inertia that this index deliberately does not model. How the score is built.