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Technicians and associate professionals · code 3321

Insurance representatives

Insurance representatives advise on and sell life, accident, automobile, liability, endowment, fire, marine and other types of insurance to new and established clients. Tasks include - (a) obtaining information about customers’ circumstances necessary to determine appropriate type of insurance and conditions; (b) negotiating with customers to determine type and degree of risk for which insurance is required; (c) explaining details of insurance and conditions, risk coverage premiums and benefits to customers; (d) assisting clients to determine the type and level of coverage required, calculating premiums and establishing method of payment; (e) negotiating and placing reinsurance contracts; (f) advising on, negotiating terms for and placing insurance contracts for large or special types of projects, installations or risks. Examples of the occupations classified here: - Insurance agent - Insurance broker - Insurance underwriter Some related occupations classified elsewhere: - Insurance agency manager - 1346 - Securities broker - 3311 - Insurance assessor - 3315 - Insurance clerk - 4312

Most of the tasks are affected. It ranks 386 of 427 for holding up against AI.

Also known as

  • insurance underwriter
  • insurance risk consultant
  • insurance broker

Job titles from the EU's ESCO list. Search for any of them on the jobs page and you'll end up here.

47.3
Holds up
against AI Exposed: Gradient 3

AI could take on 52.7 of 100, on average
so it holds up at 100 − 52.7 = 47.3

That's the whole sum, and you can check it against the ILO's study.

21
How hands-on
out of 100

From O*NET, averaged across 3 US jobs

14.8
How fiddly
and cramped

finger skill 23.7 · hand skill 7.1 · cramped spaces 13.6 · averaged

Kind of hands-on work · hands-on under 50 Less than half hands-on

Less than half of this job is hands-on. Robots still matter, but for a smaller part of the work, so we don't sort it any further.

estimated O*NET 31.0 BLS occupational crosswalk chain ISCO-08 to 2010 SOC (Aug 2012, rev. Jun 2015); 2010 to 2018 SOC (Nov 2017); O*NET-SOC 2019 taxonomy data 0.7-work-setting measures chosen by Frey & Osborne (2017) · the grouping is a sorting, not a measurement

What this number leaves out This job rates 21 out of 100 for how hands-on it is. The score above only looks at AI tools, not robots, but for work this far from the physical that matters less.

The tasks behind the score

The score is the average of these. A job is really a bundle of tasks, and an average can hide how uneven that bundle is.

The task AI could do most of scores 64, while the average is 52.7. A big gap means some of this job is wide open to AI and some of it barely at all. That's quite different from a job where everything sits somewhere in the middle, even when the averages match.

  1. 64

    Assisting clients to determine the type and level of coverage required, calculating premiums and establishing method of payment

    Medium
  2. 63.5

    Obtaining information about customers’ circumstances necessary to determine appropriate type of insurance and conditions

    Medium
  3. 63

    Explaining details of insurance and conditions, risk coverage premiums and benefits to customers

    Medium
  4. 43

    Negotiating with customers to determine type and degree of risk for which insurance is required

    Low
  5. 43

    Advising on, negotiating terms for and placing insurance contracts for large or special types of projects, installations or risks.

    Low
  6. 39.5

    Negotiating and placing reinsurance contracts

    Low

6 tasks · the High to Very Low labels are the ILO's

from the source Working Paper 140, Generative AI and Jobs 2025 index data 0.7-work-setting

Helped, or replaced?

The score above can't tell a tool that makes you faster from one that does the task instead of you. Jobs and Skills Australia looked at those two things separately, and this is their result, matched to this job.

3 Australian jobs match this one, and we've simply averaged them. Treat the numbers as a rough guide.

AI helps you
74
AI does it for you
59

Helping wins by 15 points.

estimated Our Gen AI Transition (Gen AI Capacity Study) September 2025 detailed data release data 0.7-work-setting matched to Australian jobs 2221, 5523, 6112

Compared with similar jobs

There are 82 jobs in the “Technicians and associate professionals” group, averaging 65.6. This one is below that.