# Will actuaries be replaced by AI? Updated October 2026 Actuaries score 47 of 100 for AI exposure. The largest share of their task time, 76%, is work AI speeds up while they stay in charge. AI can take over 8% outright, and 16% stays with people. - **8%** AI can do it - **76%** AI helps - **16%** Needs a person Moderate exposure Higher than 67% of the 923 occupations we scored. ## Task by task We graded 15 tasks, listed here from most to least exposed. AI can do 1 of them today, speeds up 11 and leaves 3 to people. | Task | AI exposure | | --- | --- | | Analyze statistical information to estimate mortality, accident, sickness, disability, and retirement rates. AI can run analysis code and fit models; actuary validates. | 60% AI helps | | Construct probability tables for events such as fires, natural disasters, and unemployment, based on analysis of statistical data and other pertinent information. Probability tables from data are computational; AI builds, actuary reviews. | 60% AI can do it | | Ascertain premium rates required and cash reserves and liabilities necessary to ensure payment of future benefits. Core pricing and reserving math AI can draft; actuary signs off. | 55% AI helps | | Explain changes in contract provisions to customers. AI drafts clear customer explanations; staff review sensitive cases and questions. | 55% AI helps | | Design, review, and help administer insurance, annuity and pension plans, determining financial soundness and calculating premiums. Plan design and soundness tests need expert judgment; AI speeds calculations. | 50% AI helps | [See what AI can take on across a finance team](https://www.aigentcy.com/ai-for/finance/) ## How actuaries compare All occupations (923) Computer and mathematical (36) **Actuaries score 47**, marked by the dark line. Each dot is a score, darker where more occupations share it. The short marks show the averages, 37 for all occupations and 60 for computer and mathematical. ## Pay and outlook in the US Median pay $130,000 a year, May 2025 People employed 26,670 in the US, May 2025 Projected change in jobs +9.2% from 2024 to 2034 ## Skills to build - Validate mortality models fitted in IBM SPSS Statistics - Build probability tables for fires, disasters and unemployment in Excel - Sign off reserve and premium calculations as appointed actuary - Hold an Associate or Fellow actuarial credential from SOA or CAS - Negotiate reinsurance terms directly with counterparties - Present pricing and reserve findings in Power BI and PowerPoint ## Safer roles nearby A related occupation with a lower score. - [Benefits managers46 out of 100](https://www.aigentcy.com/ai-exposure/benefits-managers/) ## Questions about actuaries and AI Will AI replace actuaries? Partly. About 4 in 10 working hours go to tasks AI can already do, mostly fitting mortality and disability rate models and building probability tables. Pricing, reserving and sign-off stay with people, since an actuary validates AI output and carries the accountability for it. Will AI take over actuary jobs? AI can already do 8% of the task time for actuaries and speeds up another 76%. People still do 16% of it. The US has 26,670 actuary jobs, with a projected change of +9.2% from 2024 to 2034. Which actuary tasks is AI taking over? Probability tables and mortality rate estimates are the most exposed, each scoring 60 on exposure. AI can build probability tables for fires, natural disasters and unemployment from raw data because the work is computational. It can also run analysis code to fit mortality, disability and retirement rate models, which the actuary then checks. Which actuary tasks stay human? Expert testimony, reinsurance negotiation and public testimony stay with people. Courtroom testimony on lost lifetime earnings carries legal accountability, and live reinsurance negotiation happens with counterparties face to face. AI only assists with calculations and term comparisons, so the person in the room remains the one answering for the position. How do actuaries stay valuable with AI? Take responsibility for sign-off and the judgment calls that AI leaves open. Check every AI-drafted reserve and premium calculation in Excel and SQL before it goes out. Keep an FSA or FCAS credential current, since regulators and employers still ask for it. Move into surplus allocation design for participating contracts, where fairness judgment is the work. ## Related jobs - [Financial advisors60 out of 100](https://www.aigentcy.com/ai-exposure/financial-advisors/) - [Financial risk specialists60 out of 100](https://www.aigentcy.com/ai-exposure/financial-risk-specialists/) - [Financial analysts58 out of 100](https://www.aigentcy.com/ai-exposure/financial-analysts/) - [Compensation specialists54 out of 100](https://www.aigentcy.com/ai-exposure/compensation-specialists/) ## Next steps for actuaries - ### Check your job Your job title is a rough guide. Your actual tasks decide your score. Paste your job description or CV and see which of your tasks AI can do. [Check your job](https://www.aigentcy.com/tools/ai-exposure-checker/) [Check your CV](https://www.aigentcy.com/tools/cv-checker/) ### Check which roles in your team AI can take on We map your team's tasks, show what AI can do today and build the automations that pay back first. [Book an AI audit](https://www.aigentcy.com/audit/) ## Related topics - [**Jobs AI can't replace**Cement masons score lowest, at 8.](https://www.aigentcy.com/ai-exposure/jobs-ai-cant-replace/) - [**Jobs most at risk from AI**Proofreaders score highest, at 76.](https://www.aigentcy.com/ai-exposure/jobs-most-exposed-to-ai/) - [**High-paying jobs with low AI exposure**Radiologists earn a median $420,860 and score 46.](https://www.aigentcy.com/ai-exposure/high-paying-jobs-low-ai-exposure/) - [**Entry-level jobs with low AI exposure**Cement masons need little prior training and score 8.](https://www.aigentcy.com/ai-exposure/entry-level-jobs-low-ai-exposure/) - [**Jobs AI speeds up the most**For natural sciences managers, AI speeds up 96% of task time.](https://www.aigentcy.com/ai-exposure/jobs-ai-speeds-up/) - [**AI and jobs in Malta**15 iGaming roles graded task by task.](https://www.aigentcy.com/ai-exposure/malta/) - [**Skills that keep work human**The skills to build in the jobs AI changes least.](https://www.aigentcy.com/ai-exposure/skills/) - [**Jobs A to Z**Every job we publish, by first letter.](https://www.aigentcy.com/ai-exposure/jobs/) - [**AI exposure by industry**Average scores for 22 occupation groups.](https://www.aigentcy.com/ai-exposure/industries/) - [**Write a CV screening software can read**How applicant tracking systems read a CV, and what to change.](https://www.aigentcy.com/ai-exposure/cv-screening-guide/) - [**AI for businesses**The tasks to automate first in each team and industry.](https://www.aigentcy.com/ai-for/) - [**How we score AI exposure**The grading, the weights and every source.](https://www.aigentcy.com/ai-exposure/methodology/) Occupation data from the O\*NET 30.3 Database by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/) and modified by Aigentcy. O\*NET® is a trademark of USDOL/ETA. Wage, employment and projection data from the U.S. Bureau of Labor Statistics. EU occupation names from ESCO, European Commission. AI usage signals from the Anthropic Economic Index (CC BY) and Microsoft Research (CC BY 4.0). [Methodology and sources](https://www.aigentcy.com/ai-exposure/methodology/). Scores © Aigentcy. Quote them with a link to the page.