Will AI replace insurance agents?
Updated
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 |
| Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms. AI tracks requirements and forms; exams and sign-offs need people. | 55% AI helps |
| Develop marketing strategies to compete with other individuals or companies who sell insurance. AI drafts strategy and market analysis; agent sets direction. | 50% AI helps |
| Monitor insurance claims to ensure they are settled equitably for both the client and the insurer. AI can review claim files and flag inequitable settlements. | 50% AI helps |
| Customize insurance programs to suit individual customers, often covering a variety of risks. AI can draft program options; agent tailors and advises. | 45% AI helps |
| Install bookkeeping systems and resolve system problems. AI coding aids troubleshooting; hands-on system installation remains human. | 45% AI helps |
Show the other 9 tasks
| Task | AI exposure |
|---|---|
| Explain necessary bookkeeping requirements for customer to implement and provide group insurance program. AI can write bookkeeping requirement guides; agent tailors guidance. | 45% AI helps |
| Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients. AI builds prospect lists and outreach drafts; networking stays personal. | 40% AI helps |
| Confer with clients to obtain and provide information when claims are made on a policy. AI can draft claim updates and gather info; empathy needs people. | 35% AI helps |
| Plan and oversee incorporation of insurance program into bookkeeping system of company. AI can draft integration plans; IT and accounting coordination stays human. | 35% AI helps |
| Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice. Persuasive sales conversations stay human; AI aids quoting and comparisons. | 30% AI helps |
| Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries. AI preps reviews and suggestions; the client meeting stays human. | 30% AI helps |
| Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage. AI can pre-fill needs forms; live interview remains human-led. | 30% AI helps |
| Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts. Attending seminars and in-person training needs physical presence. | 15% Needs a person |
| Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk. On-site physical property inspection requires a person visiting the site. | 15% Needs a person |
How insurance agents compare
All occupations (923)
Sales and related (22)
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.
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.
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