# Will AI replace insurance agents? Updated October 2026 Insurance agents score 57 of 100 for AI exposure. The largest share of their task time, 74%, is work AI speeds up while they stay in charge. AI can take over 18% outright, and 8% stays with people. - **18%** AI can do it - **74%** AI helps - **8%** Needs a person High exposure Higher than 87% of the 923 occupations we scored. ## Task by task We graded 19 tasks, listed here from most to least exposed. AI can do 3 of them today, speeds up 14 and leaves 2 to people. | Task | AI exposure | | --- | --- | | Perform administrative tasks, such as maintaining records and handling policy renewals. Records upkeep and renewal processing are routine software tasks. | 75% AI can do it | | Calculate premiums and establish payment method. Rating engines calculate premiums; AI handles payment setup details. | 70% AI can do it | | Contact underwriter and submit forms to obtain binder coverage. Binder submissions are form-based and can be auto-generated and sent. | 65% AI can do it | | Select company that offers type of coverage requested by client to underwrite policy. AI matches carrier appetite rules; agent makes final recommendation. | 58% AI helps | | Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans. AI can generate clear policy explanations and comparison materials. | 55% AI helps | [See what AI can take on across a sales team](https://www.aigentcy.com/ai-for/sales/) ## How insurance agents compare All occupations (923) Sales and related (22) **Insurance agents score 57**, 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 54 for sales and related. ## Pay and outlook in the US Median pay $62,280 a year, May 2025 People employed 479,100 in the US, May 2025 Projected change in jobs +3.3% from 2024 to 2034 ## Skills to build - Run premium rating and quote comparisons in Microsoft Excel - Hold a state property and casualty producer license - Build coverage comparison decks in Microsoft PowerPoint - Manage carrier appointments and binder requests in Microsoft Dynamics - Lead in-person client interviews on needs and property risk - Handle policyholder claims conversations on Zoom ## Safer roles nearby 5 related occupations with lower scores. - [Claims adjusters56 out of 100](https://www.aigentcy.com/ai-exposure/claims-adjusters/) - [Compensation specialists54 out of 100](https://www.aigentcy.com/ai-exposure/compensation-specialists/) - [New accounts clerks53 out of 100](https://www.aigentcy.com/ai-exposure/new-accounts-clerks/) - [Real estate agents54 out of 100](https://www.aigentcy.com/ai-exposure/real-estate-agents/) - [Management consultants55 out of 100](https://www.aigentcy.com/ai-exposure/management-consultants/) ## Questions about insurance agents and AI Will insurance agents be replaced by AI? Partly. About 5 in 10 working hours go to tasks AI can already do, mostly policy renewals and premium calculation. Records upkeep and payment setup are routine software work. Client meetings, medical exams and sign-offs stay with people because they depend on trust and a person in the room. Will AI take over insurance agents? AI can already do 18% of the task time for insurance agents and speeds up another 74%. People still do 8% of it. The US has 479,100 insurance agent jobs, with a projected change of +3.3% from 2024 to 2034. Which tasks is AI taking over for insurance agents? Administrative upkeep, premium calculation and binder submissions score highest on exposure, at 75, 70 and 65. Records maintenance and renewal processing are routine software tasks. Rating engines already calculate premiums, and binder forms are form-based, so they can be auto-generated and sent to underwriters. Which tasks stay human for insurance agents? Attending seminars and inspecting property both score 15 on exposure, the lowest in this job. Seminars need physical presence, and on-site inspection needs a person visiting the site to judge construction and risk. Client interviews score 30, since AI can pre-fill needs forms but the live conversation stays human-led. How can insurance agents stay valuable? Hold your state producer license and keep carrier appointments current in Microsoft Dynamics. Use PowerPoint and Excel to build coverage comparisons that you walk clients through in person or on Zoom. Track policy requirements and signed forms, since AI can track them but exams and sign-offs need people. Spend more time on claims conversations, where empathy needs a person. ## Related jobs - [Sales representatives of services66 out of 100](https://www.aigentcy.com/ai-exposure/sales-representatives-of-services/) - [Insurance claims clerks72 out of 100](https://www.aigentcy.com/ai-exposure/insurance-claims-clerks/) - [Customer service representatives74 out of 100](https://www.aigentcy.com/ai-exposure/customer-service-representatives/) - [Financial advisors60 out of 100](https://www.aigentcy.com/ai-exposure/financial-advisors/) ## Next steps for insurance agents - ### 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.