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Insurance
Insurance Underwriter
Risk scoring and policy underwriting are rule-based processes over structured data — prime candidates for AI automation. Standard personal lines underwriting is already largely automated.
rising risk (+3 this quarter)
D
80/100
2026–2028
$77K/yr
Median Salary
320K
Jobs at Risk
76%
Automation Est.
DRI HISTORY
FACTOR BREAKDOWN
RISING SKILLS
Complex risk assessment
AI model oversight
Specialty lines expertise
DECLINING SKILLS
Standard risk scoring
Policy form generation
Routine underwriting
TRANSITION PATHS
1
Actuarial Analyst
70% skill overlap
40
DRI
2
Risk Manager
65% skill overlap
36
DRI
3
Insurance Product Manager
58% skill overlap
32
DRI
KEY EVENTS
2024-04
Lemonade AI handles 30% of claims with no human involvement
2024-11
Tractable AI used in 50M+ vehicle claims/year across major insurers
AI TOOLS DRIVING DISPLACEMENT
Shift TechnologyLemonade AITractable
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