AI Automation Index

Will AI Replace Insurance Sales Agents?

Task-level automation exposure for Insurance Sales Agents: 19 O*NET tasks scored against their work activities, plus the simulator.

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Developed & audited by Gini Loh

Automation Exposure

54% weighted task index

19 of 19 tasks scored

Median Salary

$62,280 / year

BLS OEWS, May 2025 — this exact occupation

Employment Level

Very High

479,100 people hold this job — size, not growth

Projected 2025–35

+3.3% employment change

43,100 openings a year · BLS line item

Pay by state

BLS OEWS publishes 54 state estimates for this occupation. Each is its own survey estimate, not the national median adjusted for local prices.

$36,250 – $84,530

Highest medians

District of Columbia $84,530

New Jersey $81,640

Rhode Island $79,930

Wisconsin $79,450

Massachusetts $79,300

Lowest medians

Puerto Rico $36,250

Guam $37,010

New Mexico $45,180

West Virginia $45,480

Delaware $46,710

State figures come from the 41-3021 row in the May 2025 state panel. States where the estimate was suppressed or too small to publish are absent.

What the score is made of

Each task is mapped to its work activities, scored for AI automation potential, and weighted by how important those activities are to the job. These are the components.

Automation potential 54%

Importance-weighted mean of the scored tasks. This is the headline index.

Physical work 0%

Share of weighted tasks in hands-on or machine-operating work activities.

Judgment & influence 29%

Share in analysis, decisions, teaching, directing, advising, or caring for others.

Routine administration 18%

Share in documenting, recording, and administrative activities.

Rewritten by O*NET 0%

Share of weighted tasks O*NET rewrote in a recent update. Reported, not folded into the score.

Consequence of error 27/100 Moderate

O*NET's own rating of how serious an uncorrectable mistake would be here — respondents, not us. Deliberately not in the index: the score measures what AI can do with the task content, and multiplying it by stakes would be our judgment dressed as data.

Constituent Task Mix

19 tasks for this occupation, weighted by work-activity importance. Shares below are of total task weight, not task count.

High exposure (≥ 60% of the task is automatable) 27%

5 tasks

Medium exposure (≥ 35%) 63%

12 tasks

Low exposure (below 35%) 10%

2 tasks

How would you survive?

Move your week away from the high-exposure tasks and toward the ones that need judgment. The simulator recalculates the index as you shift the mix.

Simulate Upskilling →

Constituent Tasks

#720 · Core · 42% automatable

Customize insurance programs to suit individual customers, often covering a variety of risks.

decision support — AI drafts tailored options; advisor owns suitability and trust

Customize financial products or services to meet customer needs.

#721 · Core · 32% automatable

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.

interpersonal — Closing sales requires persuasion and accountability

Sell products or services.

#724 · Core · 55% automatable

Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.

interpersonal — Explaining finances to customers is relational

Explain financial information to customers.

#728 · Core · 78% automatable

Perform administrative tasks, such as maintaining records and handling policy renewals.

data analysis — Maintain structured sales records via tools

Maintain records of sales or other business transactions. Take product orders from customers.

#723 · Core · 47% automatable

Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.

data analysis — AI analyzes market data to identify prospects

Identify potential customers. Develop professional relationships or networks.

#718 · Core · 49% automatable

Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.

interpersonal — Explaining finances to customers is relational

Explain financial information to customers. Customize financial products or services to meet customer needs.

#727 · Core · 53% automatable

Confer with clients to obtain and provide information when claims are made on a policy.

interpersonal — Explaining finances to customers is relational

Gather customer or product information to determine customer needs. Explain financial information to customers.

#722 · Core · 50% automatable

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.

interpersonal — Customer needs discovery needs live interaction

Gather customer or product information to determine customer needs.

#725 · Core · 65% automatable

Contact underwriter and submit forms to obtain binder coverage.

text generation — Draft contracts; legal terms human-owned

Prepare sales or other contracts.

#729 · Core · 42% automatable

Select company that offers type of coverage requested by client to underwrite policy.

decision support — AI drafts tailored options; advisor owns suitability and trust

Customize financial products or services to meet customer needs.

#726 · Core · 80% automatable

Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.

text generation — Document compliance checking against requirements is automatable

Examine documents to verify adherence to requirements.

#731 · Core · 58% automatable

Develop marketing strategies to compete with other individuals or companies who sell insurance.

text generation — Plans drafted; human owns positioning and approval

Develop marketing plans or strategies.

#719 · Core · 69% automatable

Calculate premiums and establish payment method.

data analysis — Cost calculation from structured inputs

Calculate costs of goods or services. Process sales or other transactions.

#732 · Core · 50% automatable

Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.

information retrieval — AI extracts product specs and summarizes

Attend events to develop professional knowledge. Study product information to acquire professional knowledge.

#730 · Supplemental · 85% automatable

Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.

data analysis — Transaction accuracy checks are rule-based and reliable

Review accuracy of sales or other transactions.

#735 · Supplemental · 38% automatable

Plan and oversee incorporation of insurance program into bookkeeping system of company.

interpersonal — IT project management is partly AI-assisted but human-owned

Manage information technology projects or system activities.

#733 · Supplemental · 22% automatable

Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.

visual inspection — Property condition assessment requires physical presence

Examine condition of property or products.

#734 · Supplemental · 57% automatable

Install bookkeeping systems and resolve system problems.

decision support — Software troubleshooting aided but human verifies

Install computer software. Resolve computer software problems.

#736 · Supplemental · 55% automatable

Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.

interpersonal — Explaining finances to customers is relational

Explain financial information to customers.

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Community Sentiment

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Method

How this was scored

1. Tasks. O*NET task statements for this occupation, from a release whose newest record is dated 08/2026.
2. Work activities. Each task maps to 1–5 Detailed Work Activities; each activity belongs to one of 41 Generalized Work Activities that O*NET rates for importance (1–5) in this occupation.
3. Automation potential. Every work activity carries one score for how far current AI can perform it end-to-end. Tasks inherit the mean of their activities.
4. Weighting. Task weight = 0.35 + 0.65 × (importance − 1)/4, scaled by how often the task is performed and by 0.7 for Supplemental tasks. Importance is the task's own O*NET rating where it exists (18,369 of 18,838 tasks); the rest inherit their work activities' importance. The index is the weighted mean.

Check: across the 910 occupations where O*NET also rates how far machine speed sets the pace, this index moves opposite to it (Spearman ρ = -0.49). The more a job is paced by equipment, the less of its task content AI can address — the relationship you would expect if the scoring is working.

Sources · O*NET 31.0 (task records to 08/2026) · BLS OEWS May 2025 · BLS projections 2025-2035 · rubric v2.1 · tasks for O*NET, not a forecast

See the full method →

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