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AI exposure report

Will AI replace Insurance Sales Agents?

Some of your tasks will be automated. People who use AI will have the edge.

Task exposure to today's AI

47/100

Moderate exposure

This is the occupation's typical task mix. Your own score can be up to 30 points higher or lower depending on how you work: routine share, people contact, judgment and how much you already use AI.

Get your personal score

Will AI replace Insurance Sales Agents?

Not entirely. Today's AI tools can take on about 47% of the typical work in this occupation, mostly: perform administrative tasks, such as maintaining records and handling policy renewals. The parts that stay human include: 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.; Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.; 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..

People who learn to use AI for the automatable parts keep the edge. The 3-phase plan below shows where to start.

Which tasks AI can take on

The largest tasks in this occupation, their share of the working week, and how much of each today's AI tools can do.

TaskAutomatable
Perform administrative tasks, such as maintaining records and handling policy renewals. 82%
Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans. 60%
Customize insurance programs to suit individual customers, often covering a variety of risks.AI already used 50%
Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.AI already used 30%
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.AI already used 20%
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. 17%

+ 13 more tasks (35% of the week) in the full test.

Your human edge

  • 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.
  • Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
  • 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.

AI tools to try

CRM with AI (e.g. HubSpot, Salesforce Einstein, Pipedrive)ChatGPT / Claude for emails and researchCall recording and summary tools

Related roles

A 3-phase AI learning plan

Phase 1

AI for the pipeline

  • Prospect research and personalised emails with AI.
  • Call summaries and CRM updates.
  • Follow-up reminders and templates.

Project

Use AI to research 25 prospects and draft personalised outreach emails plus a 3-step follow-up sequence, then compare reply rates against your last 25 manual emails.

Phase 2

Better conversations

  • Prepare meetings with AI briefings.
  • Objection handling and proposal drafts.
  • Learn the product faster with AI.

Project

Build an AI-generated briefing and objection-handling script for 10 upcoming client meetings, plus a policy comparison sheet, and track close rate before and after.

Phase 3

Trusted advisor

  • Focus time on relationships and complex deals.
  • Use data to find the right customers.
  • Share what works with the team.

Project

Use AI to segment your renewal book into top 20 cross-sell opportunities, run those reviews personally, and write a one-page playbook for the team on what worked.
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