Insurance Sales Agents
Sales and Related Occupations- O*NET-SOC code
- 41-3021.00
Sell life, property, casualty, health, automotive, or other types of insurance. May refer clients to independent brokers, work as an independent broker, or be employed by an insurance company.
- Data source: BLSPublished: 2026-08
Very high· relative
LowFour relative bandsVery highGroup-level value
Scale, basis and source
Four relative bands (Low / Moderate / High / Very high)
831 detailed occupations in the BLS Employment Projections table. Assigned per National Employment Matrix (NEM) code, so occupations sharing a NEM code carry the same band
- Data source: AnthropicPublished: 2026-03
0.319
0.000Range of values carried here0.745Scale, basis and source
Observed exposure index, 0–1 as published
Mapped onto O*NET tasks
Published per SOC 2018 occupation; every O*NET occupation with the same SOC 2018 code carries this value
- Data source: ILOPublished: 2025
0.53
0.09Range of values carried here0.70Group-level value
Scale, basis and source
Generative AI exposure index, 0–1 as published
Published per ISCO-08 unit group. Linked to this occupation, wholly or in part, by applying U.S. Bureau of Labor Statistics crosswalks (ISCO-08 to 2010 SOC, 2010 SOC to 2018 SOC) as published
What kind of figure this source publishes
The BLS category is a relative rank, not an absolute level, and it is not a first-hand measurement: it groups an occupation's percentile ranks across several published studies into four bands. It is not an employment or wage forecast, not a probability of adoption, and it does not separate automation from augmentation.
Task-level exposure
Show 9 hidden tasks19 rated tasks · 19 tasks with β ≥ 0.5 (100.0%)
β = direct exposure (E1) + 0.5 × exposure when tools are available (E2), per the source repository's definition.
- Source unit: O*NET 27.2 tasks → O*NET 31.0 occupation code
- All rated tasks are in the O*NET 31.0 task list.
- Source
- OpenAI "GPTs are GPTs" exposure rubric
- Release
- gh-main-0471612
- License
- MIT License, Copyright (c) 2024 OpenAI
| Task (O*NET 20.1) | Claude.aiRaw / share % | APIRaw / share % |
|---|---|---|
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.41-3021.00 | 0.009419.7 | 0.055058.6 |
Customize insurance programs to suit individual customers, often covering a variety of risks.41-3021.00 | 0.008718.3 | 0.016617.7 |
Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.41-3021.00 | 0.008016.8 | —0 |
Confer with clients to obtain and provide information when claims are made on a policy.41-3021.00 | 0.007616.0 | 0.009610.2 |
Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.41-3021.00 | 0.005411.3 | —0 |
Develop marketing strategies to compete with other individuals or companies who sell insurance.41-3021.00 | 0.00275.7 | —0 |
Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.41-3021.00 | 0.00255.3 | 0.009910.5 |
Install bookkeeping systems and resolve system problems.41-3021.00 | 0.00183.8 | —0 |
Calculate premiums and establish payment method.41-3021.00 | 0.00153.2 | —0 |
Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans. | —0 | 0.00293.1 |
Values in this tab are predicted labels, not observations. Eloundou et al. (2023) published two rating regimes — human raters and GPT-4 — and the β shown here is derived from the GPT-4 rater basis alone; the same task can take a different value under the other regime. The unit and the meaning differ from the observed shares (%) in the other tabs, so do not place them on the same axis.
| Task (O*NET 27.2) | βE1 + 0.5 × E2 |
|---|---|
Calculate premiums and establish payment method.O*NET Task ID 719 | 1.0 |
Perform administrative tasks, such as maintaining records and handling policy renewals.O*NET Task ID 728 | 1.0 |
Install bookkeeping systems and resolve system problems.O*NET Task ID 734 | 1.0 |
Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.O*NET Task ID 718 | 0.5 |
Customize insurance programs to suit individual customers, often covering a variety of risks.O*NET Task ID 720 | 0.5 |
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.O*NET Task ID 721 | 0.5 |
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.O*NET Task ID 722 | 0.5 |
Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.O*NET Task ID 723 | 0.5 |
Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.O*NET Task ID 724 | 0.5 |
Contact underwriter and submit forms to obtain binder coverage.O*NET Task ID 725 | 0.5 |
Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.O*NET Task ID 726 | 0.5 |
Confer with clients to obtain and provide information when claims are made on a policy.O*NET Task ID 727 | 0.5 |
Select company that offers type of coverage requested by client to underwrite policy.O*NET Task ID 729 | 0.5 |
Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.O*NET Task ID 730 | 0.5 |
Develop marketing strategies to compete with other individuals or companies who sell insurance.O*NET Task ID 731 | 0.5 |
Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.O*NET Task ID 732 | 0.5 |
Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.O*NET Task ID 733 | 0.5 |
Plan and oversee incorporation of insurance program into bookkeeping system of company.O*NET Task ID 735 | 0.5 |
Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.O*NET Task ID 736 | 0.5 |
β = E1 + 0.5 × E2 · E1 = tasks where direct LLM access alone cuts time by at least 50%, E2 = tasks where software built on top of an LLM cuts time by at least 50%. Values take only 0 / 0.5 / 1.0.
Data sources & licenses — O*NET®, Anthropic Economic Index, Eloundou et al. (2023): see full notices on the Credits page
All O*NET 31.0 task statements (19)
All O*NET 31.0 task statements for this occupation (English, as published; task type core or supplemental). Exposure values are not listed here; they are in the table above, next to each task statement as worded in the O*NET version each source used.
| Task (O*NET 31.0) | Type |
|---|---|
| Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries. | Core |
| Calculate premiums and establish payment method. | Core |
| Customize insurance programs to suit individual customers, often covering a variety of risks. | Core |
| 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. | Core |
| 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. | Core |
| Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients. | Core |
| Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans. | Core |
| Contact underwriter and submit forms to obtain binder coverage. | Core |
| Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms. | Core |
| Confer with clients to obtain and provide information when claims are made on a policy. | Core |
| Perform administrative tasks, such as maintaining records and handling policy renewals. | Core |
| Select company that offers type of coverage requested by client to underwrite policy. | Core |
| Develop marketing strategies to compete with other individuals or companies who sell insurance. | Core |
| Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts. | Core |
| Monitor insurance claims to ensure they are settled equitably for both the client and the insurer. | Supplemental |
| Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk. | Supplemental |
| Install bookkeeping systems and resolve system problems. | Supplemental |
| Plan and oversee incorporation of insurance program into bookkeeping system of company. | Supplemental |
| Explain necessary bookkeeping requirements for customer to implement and provide group insurance program. | Supplemental |
0.04/ 3· Robot exposure index
Scale, basis and source
Each physical task is graded 0–3 by the setting in which robots that have been deployed, sold or demonstrated could do it (0 none · 1 purpose-built robot settings such as a fenced machine cell or a bottling line · 2 structured facilities such as a hospital pharmacy or a container port · 3 unstructured settings such as a private home or a construction site), and the grades are averaged by share of working time
Physical tasks among this occupation's O*NET 29.3 tasks
Anthropic estimated the grades and time shares with Claude Opus 5 using web search, as of 2026.
The robot exposure index is a different measure from the AI exposure figures on this site and cannot be added to or compared with them. It does not measure actual adoption or cost, and 0 also covers occupations with no physical tasks.
Tier of each physical task
Robot environment tiers (E0–E3)
E0 noneDetails
Rated not doable by robots that have been deployed, sold or demonstrated, even in a purpose-built setting
E1 purpose-built robot settingsDetails
Rated doable in a setting built around the machine, such as a fenced machine cell or a bottling line
E2 structured facilitiesDetails
Rated doable in a human work facility that an institution keeps to a working standard, such as a hospital pharmacy or a container port
E3 unstructured settingsDetails
Rated doable in a setting that no institution keeps to a working standard, such as a private home or a construction site
Only tasks classified as physical are listed; other tasks have no tier in the source.
| Task (O*NET 29.3) | Robot environment tier |
|---|---|
| Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk. | E3 unstructured settings |
Occupation information
Employment outlook (BLS)
- Employment, 2025
- 573K
- Projected employment, 2035
- 591K
- Change (2025–35)
- +3.3%
- Median annual wage, 2025
- $62,280
- Typical education needed for entry
- High school diploma or equivalent
Korea classification links (KSCO)
Links from the current release of the Korea Occupation Direct Crosswalk v1.1, made by AI Changing Work. Relation values are read from the O*NET-SOC occupation side.
| KSCO code | KSCO title | Relation | Status |
|---|---|---|---|
| 51031 | 보험 중개인 | This occupation is broader | confirmed |
| 51032 | 보험 설계사 | This occupation is broader | confirmed |
Relation and status definitions(kr-direct v1.1)
ILO occupational description
AI Changing Work links the ISCO-08 unit groups below to this occupation by applying the U.S. Bureau of Labor Statistics crosswalks (2018 SOC to 2010 SOC, 2010 SOC to ISCO-08) as published, without case-by-case selection; each link may be whole or partial.
- ISCO-08 3321Insurance Representatives
The definition, tasks and examples below are the ILO's description of that unit group, not of this occupation.
Insurance representatives advise on and sell life, accident, automobile, liability, endowment, fire, marine and other types of insurance to new and established clients.
Tasks
- (a) obtaining information about customers’ circumstances necessary to determine appropriate type of insurance and conditions;
- (b) negotiating with customers to determine type and degree of risk for which insurance is required;
- (c) explaining details of insurance and conditions, risk coverage premiums and benefits to customers;
- (d) assisting clients to determine the type and level of coverage required, calculating premiums and establishing method of payment;
- (e) negotiating and placing reinsurance contracts;
- (f) advising on, negotiating terms for and placing insurance contracts for large or special types of projects, installations or risks.
Example occupations
Insurance agent · Insurance broker · Insurance underwriter
Sources: ILO ISCO-08 — details: Credits
ESCO occupational vocabulary
Each entry below is matched to this occupation in the published ESCO-O*NET Crosswalk (version 1, 2022). The match types are that crosswalk's; the wording is AI Changing Work's.
- insurance brokerESCO 3321.1Same scope
Insurance brokers promote, sell and provide advice on various insurance policies such as life insurance, health insurance, accident insurance and fire insurance to individuals and organisations. They also work as intermediaries between individuals or organisations and insurance companies, and negotiate the best insurance policies for their clients, arranging insurance cover where needed. Insurance brokers engage with new prospective clients, provide them with quotes for their policy needs, assist them in the signing of new insurance contracts and propose specific solutions to their specific problems.
Source: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)
License: CC BY 4.0 (EU Reuse Notice)
ESCO reuse terms and the modification notice are in Credits.
France classification links (ROME)
AI Changing Work's links between this occupation and ROME 4.0 job profiles, judged with AI models. Relations are read from this occupation's side. Links marked “provisional” were adopted on the judgments of two judges from the same model family (Claude) alone, or by an operator rule applied to their judgments, so they rest on weaker evidence than confirmed links.
| ROME code | ROME title (French) | Relation |
|---|---|---|
| C1102 | Conseiller commercial / Conseillère commerciale et relation client en assurances | This occupation is broaderprovisional |
| C1103 | Courtier / Courtière en assurance | This occupation is broaderprovisional |
| C1111 | Mandataire en assurance | This occupation is broaderprovisional |
| C1112 | Agent général / Agente générale d'assurance | This occupation is broaderprovisional |
| C1129 | Responsable grands comptes assurances | This occupation is broaderprovisional |
| C1119 | Chargé / Chargée d'affaires en assurances | Related, not a matchprovisional |
Source: France Travail — Répertoire Opérationnel des Métiers et des Emplois (ROME 4.0), version 61, last updated 15 June 2026 (https://www.data.gouv.fr/datasets/repertoire-operationnel-des-metiers-et-des-emplois-rome). Licence Ouverte 2.0.
ROME codes and titles are reproduced unchanged; the links to O*NET-SOC occupations are AI Changing Work's own judgment and are not a France Travail correspondence.
(AI Changing Work link release: fr-direct v1)
Spain classification links (CNO-11)
AI Changing Work's links between this occupation and CNO-11 occupations, judged with AI models. Relations are read from this occupation's side.
| CNO-11 code | CNO-11 title (Spanish) | Relation |
|---|---|---|
| 3521 | Mediadores y agentes de seguros | Same scopeprovisional |
Source: Instituto Nacional de Estadística (INE), National Classification of Occupations 2011 (CNO-11, Royal Decree 1591/2010) — www.ine.es · Licensed CC BY 4.0. CNO-11 codes and Spanish titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not an INE correspondence.
(AI Changing Work link release: es-direct v1)
Germany classification links (KldB)
AI Changing Work's links between this occupation and KldB occupations, judged with AI models. Relations are read from this occupation's side.
| KldB code | KldB title (German) | Relation |
|---|---|---|
| 72132 | Versicherungskaufleute - fachlich ausgerichtete Tätigkeiten | Overlapping, not the same |
| 72133 | Versicherungskaufleute - komplexe Spezialistentätigkeiten | Overlapping, not the sameprovisional |
| 72134 | Versicherungskaufleute - hoch komplexe Tätigkeiten | Related, not a matchprovisional |
Source: © Statistik der Bundesagentur für Arbeit — Klassifikation der Berufe 2010 – überarbeitete Fassung 2020, https://statistik.arbeitsagentur.de. KldB codes and titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own mapping (eigene Zuordnung) and are not a Bundesagentur für Arbeit correspondence.
(AI Changing Work link release: de-direct v1)
Japan classification links (JSCO)
AI Changing Work's links between this occupation and JSCO occupations, judged with AI models. Relations are read from this occupation's side.
| JSCO code | JSCO title (Japanese) | Relation |
|---|---|---|
| 332 | 保険代理・仲立人（ブローカー） | This occupation is broader |
| 346 | 金融・保険営業職業従事者 | This occupation is broader |
Source: Ministry of Internal Affairs and Communications (MIC), Japan Standard Occupational Classification (Dec. 2009, MIC Notification No. 555). JSCO codes and Japanese titles are reproduced unchanged; the links to O*NET occupations are AI Changing Work's own judgment and are not a MIC correspondence.
(AI Changing Work link release: jp-direct v1)
Sources, licenses and AI Changing Work's modification and translation notices for this page: Credits & sources