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Technicians and associate professionals · code 3321

Insurance representatives

AI can calculate the premium. Insuring something nobody has insured before is still a broker.

AI could take a fair chunk of half the six tasks, including working out the cover a client needs and calculating premiums. Negotiating big contracts and reinsurance are mostly out of its reach.

What they actually do (and what else they get called)

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

  • 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 / 100

Changing significantly

AI could do a real share of the everyday tasks. The job is changing shape, not vanishing.

Not the odds you keep your job. It's how much of the everyday work still needs a person, out of 100.

← Robot's turf Human's turf →

The ILO's official verdict: Exposed: Gradient 3

386 of 427 for holding up against AI

Why this score?

The ILO rated each of this job's 6 tasks for how much of it AI could do. They average 52.7 out of 100, so it holds up at 100 − 52.7 = 47.3.

That's the whole sum. No black box, no secret sauce: you can check it against the ILO's study. ILO group “Exposed: Gradient 3”: Most of the tasks are affected.

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.

from the source Working Paper 140, Generative AI and Jobs 2025 index data 0.8-observed-use

Man v Bot · compare

Who holds up better?

Insurance representatives 47

v

Go on, try your partner's job. Or your sibling's. We won't tell.

Man v Bot

Where the bot helps, and where the human wins

Bot

What AI takes

The routine stuff. You may not miss it.

  • Quotes and premiums.
  • Gathering customer information.
  • Explaining standard policies.

Man

What people still do better

Judgement, trust and skilled hands. Hard to download.

  • Complex and unusual risks.
  • Negotiating large contracts.
  • Advice when things go wrong.

Both

What's arriving

New work that only exists because the AI does.

  • AI underwriting.
  • Climate and cyber risk cover.
  • Insuring AI systems.

Written by a human, from the ILO's task ratings below. Yes, we see the irony. Read it as one person's take.

Meet your two rivals

They're not the same machine. AI software can only reach the parts of a job done on a screen or in words. A chatbot can't climb a ladder. A robot might, one day, if it doesn't fall off.

The AI

Lives in a screen. Never had to fix a boiler.

Threat level: Medium

59 could do without you

It could take over some of the work, and help with more. It could help with 74 of 100.

The robot

The wildcard. Has hands, still working out stairs.

How much it matters here: Lower

21 how hands-on

Not much of this job needs hands, so the robot can sit this one out.

So could a robot do the physical part?

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.

Robots hate fiddly work in awkward spaces. On that measure, this job scores 15 out of 100. The higher it is, the longer the robot waits.

21 How
hands-on
15 How fiddly
and cramped

Kind of hands-on work Less than half hands-on

The small print

They aren't a robot score, and nothing on this page is. Nobody measures how far robots have got well enough to put a number on it. These are the closest thing we have: how hands-on the job is, and how much fiddly, cramped work it takes, which is what Frey and Osborne found hardest for machines.

From O*NET, averaged across 3 US jobs .

finger skill 23.7 · hand skill 7.1 · cramped spaces 13.6 · averaged · rule: hands-on under 50

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 0.8-observed-use measures chosen by Frey & Osborne (2017) · the grouping is a sorting, not a measurement

The job, task by task

Every job is really a bundle of tasks. Here's this one unpacked, with how much of each AI could do, out of 100. The score is the average, and averages can hide a lot.

AI's favourite task here scores 64, against an average of 53. The bigger the gap, the more lopsided the job: some of it wide open to AI, some of it barely touched.

  1. 64

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

    Medium
  2. 64

    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. 40

    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 0.8-observed-use

Sidekick or replacement?

A tool that makes you faster is a very different thing from one that does the task while you watch. Jobs and Skills Australia measured the two separately, which is handy.

AI helps you
74
AI does it for you
59

Sidekick wins, by 15 points.

How good a match is this?

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

estimated Our Gen AI Transition (Gen AI Capacity Study) September 2025 detailed data release data 0.8-observed-use matched to Australian jobs 2221, 5523, 6112

Meanwhile, in real life…

Everything else here is about what AI could do. This is what people actually did. When they asked Claude for help with this kind of work, did they hand the whole task over, or roll their sleeves up and work through it together?

Tiny sample alert This job makes up 0.02% of all the conversations: a tiny slice. People using AI for a job isn't the same as AI being able to do it.

Out of every 100 conversations

57
43

worked through it together handed it over

The small print

Anthropic publishes this about its own product, and it doesn't feed into any score here. These are people who use Claude, not workers in general, so little use here doesn't mean AI can't reach the job.

The data is sorted by US job, and this one matches 3 of them. We've combined them, counting each by how often it comes up in the conversations, so the busiest one counts most.

These two add up to 100. The bars elsewhere on the page don't, because each is scored on its own, so we don't put them side by side.

observed use Anthropic Economic Index release 2026-06-26, period beginning 2026-05-01 data 0.8-observed-use 2026-05-01 · Anthropic, about its own product

So, should insurance brokers and underwriters be worried?

Short answer: not worried, but paying attention. The job is changing.

Much of the routine work is exposed. Working out cover and premiums, gathering customer information and explaining policies are rated Medium; negotiating risk, large contracts and reinsurance are Low. Online quotes and AI underwriting take on standard policies; complex risks stay human.

Worth remembering: we score tasks, not jobs. When AI takes on a task, the job usually reshuffles around it rather than vanishing.

Where this job could lead

How are the neighbours doing?

There are 82 jobs in the “Technicians and associate professionals” family, averaging 66. This one is below the family average.

Pit this against any other job →