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AI exposure report
Will AI replace Insurance Underwriters?
Many of your tasks are within reach of AI. The role will change, so it pays to act now.
Task exposure to today's AI
High 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 scoreWill AI replace Insurance Underwriters?
Not entirely. Today's AI tools can take on about 60% of the typical work in this occupation, mostly: write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies. The parts that stay human include: Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.; 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.; Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies..
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.
+ 1 more tasks (3% of the week) in the full test.
Your human edge
- Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
- 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.
- Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
AI tools to try
Excel / Sheets with Copilot or GeminiChatGPT / Claude for analysis and draftingAI document extraction (invoices, contracts, forms)Related roles
A 3-phase AI learning plan
Phase 1
Automate the routine
- AI for data entry, extraction and reconciliation.
- Formulas, pivot tables and checks written with AI.
- Standard emails and documents from templates.
Project
Use AI to extract key risk fields from 25 anonymised submission packets into a spreadsheet with validation checks and a broker info-request email template, and time the before/after.Phase 2
Analysis and advice
- Forecasts and variance analysis with AI, checked against the source.
- Plain-language summaries of numbers for managers or clients.
- Research rules and regulations with AI, then verify in the original.
Project
Build an AI-assisted loss-forecast and catastrophe-exposure summary for one book of business, verify every figure against company records, and write a one-page plain-language note for your manager.Phase 3
Process owner
- Map and automate a full process with no-code tools (Make, Zapier, Power Automate).
- Data quality, controls and audit trails for AI-assisted work.
- Turn saved time into higher-value advisory work.
Project
Map and automate your referral-to-quote workflow in a no-code tool with an audit trail of AI outputs, then reinvest 10 saved hours in a portfolio profitability review for underwriting management.