Insurance Sales Agents

Sales and Related Occupations
O*NET-SOC 代码
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.

  • 数据来源: BLS发布时间: 2026-08

    很高· 相对

    低四级相对区间很高

    职业群单位数值

    尺度 · 母数 · 来源

    四级相对类别（低 / 中等 / 高 / 很高）

    以BLS就业预测表中831个细分职业为基数。取值按 NEM（全国就业矩阵）代码给定，因此共用同一 NEM 代码的职业得到相同分档

    来源数据集（XLSX 文件下载）

  • 数据来源: Anthropic发布时间: 2026-03

    0.319

    0.000此处所载数值的范围0.745
    尺度 · 母数 · 来源

    观测暴露度指数，按发布原值0–1

    以O*NET任务映射为基准

    按 SOC 2018 职业发布的数值；具有相同 SOC 2018 代码的所有 O*NET 职业均显示此值

    来源数据集（CSV 文件下载）

  • 数据来源: ILO发布时间: 2025

    0.53

    0.09此处所载数值的范围0.70

    职业群单位数值

    尺度 · 母数 · 来源

    生成式AI暴露度指数，按发布原值0–1

    按 ISCO-08 细类（4 位）发布的数值。按原样应用美国劳工统计局（BLS）的官方对照表（ISCO-08→2010 SOC、2010 SOC→2018 SOC）关联到本职业，对应关系为全部或部分对应

    来源数据集（PDF 文件下载）

该来源发布的是什么性质的数值

BLS的类别是相对排位而非绝对水平，也不是一手测量：它把多项已发表研究给出的职业百分位排名归并为四个等级。它不是就业或工资预测，不是采用概率，也不区分自动化与增强。

Task-level exposure

已评分任务 19 项 · β ≥ 0.5 的任务 19 项（100.0%）

β = 直接暴露（E1）+ 0.5 × 借助工具时的暴露（E2），依据原始代码库的定义。

  • 原始单位：O*NET 27.2 任务 → O*NET 31.0 职业代码
  • 所有已评分任务均在 O*NET 31.0 任务列表中。
来源
OpenAI "GPTs are GPTs" exposure rubric
版本
gh-main-0471612
许可
MIT License, Copyright (c) 2024 OpenAI
Task (O*NET 30.2)Claude.aiRaw / share %APIRaw / share %
Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.

41-3021.00

0.00000.00.00000.0
Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.

41-3021.00

0.00000.0—0
Develop marketing strategies to compete with other individuals or companies who sell insurance.

41-3021.00

0.00000.0—0
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.
—00.00000.0
Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
—00.00000.0
Not observed on any surface — 14 task(s) — These tasks have no row in the source for this release. The 0 in the share row is a display-stage composition ratio; absence is what the — in the raw row states.
Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
—0—0
Calculate premiums and establish payment method.
—0—0
Customize insurance programs to suit individual customers, often covering a variety of risks.
—0—0
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.
—0—0
Contact underwriter and submit forms to obtain binder coverage.
—0—0
Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
—0—0
Confer with clients to obtain and provide information when claims are made on a policy.
—0—0
Perform administrative tasks, such as maintaining records and handling policy renewals.
—0—0
Select company that offers type of coverage requested by client to underwrite policy.
—0—0
Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.
—0—0
Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.
—0—0
Install bookkeeping systems and resolve system problems.
—0—0
Plan and oversee incorporation of insurance program into bookkeeping system of company.
—0—0
Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
—0—0

Data sources & licenses — O*NET®, Anthropic Economic Index, Eloundou et al. (2023): see full notices on the Credits page

O*NET 31.0 全部任务（19 项）

本职业在 O*NET 31.0 中的全部任务（英文原文；任务类型为核心或补充）。暴露值不列在此清单中，而在上方表格里，位于各来源所用 O*NET 版本的任务表述旁。

任务（O*NET 31.0）类型
Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.核心
Calculate premiums and establish payment method.核心
Customize insurance programs to suit individual customers, often covering a variety of risks.核心
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.核心
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.核心
Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.核心
Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.核心
Contact underwriter and submit forms to obtain binder coverage.核心
Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.核心
Confer with clients to obtain and provide information when claims are made on a policy.核心
Perform administrative tasks, such as maintaining records and handling policy renewals.核心
Select company that offers type of coverage requested by client to underwrite policy.核心
Develop marketing strategies to compete with other individuals or companies who sell insurance.核心
Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.核心
Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.补充
Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.补充
Install bookkeeping systems and resolve system problems.补充
Plan and oversee incorporation of insurance program into bookkeeping system of company.补充
Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.补充

职业信息

就业展望（BLS）

就业人数，2025
573K
预计就业人数，2035
591K
变化 (2025–35)
+3.3%
年薪中位数，2025
$62,280
入职通常所需学历
High school diploma or equivalent
最低 $30,890BLS EP 2025–35 中 825 个细分职业的工资中位数范围最高 $559,030

来源: U.S. Bureau of Labor Statistics, Employment Projections 2025–35 — Employment by detailed occupation, 2025 and projected 2035

韩国职业分类关联（KSCO）

来自 AI Changing Work 制作的 Korea Occupation Direct Crosswalk v1.1 当前版本的关联。关系值从 O*NET-SOC 职业一侧解读。

KSCO 代码KSCO 名称关系状态
51031보험 중개인本职业范围更宽已确认
51032보험 설계사本职业范围更宽已确认

关系与状态的定义(kr-direct v1.1)

国际劳工组织（ILO）职业说明

以下 ISCO-08 职业组由 AI Changing Work 原样套用美国劳工统计局（BLS）发布的对照表（2018 SOC→2010 SOC、2010 SOC→ISCO-08）、不逐案取舍，与本职业相关联；每项关联可能是完全对应，也可能是部分对应。

  • ISCO-08 3321Insurance Representatives

    保险代理人

自行翻译

自行翻译 · 非 ISCO 官方词汇 — 未经国际劳工组织审核。

以下定义、任务和职业示例是 ILO 对该 ISCO-08 职业组的描述，而不是对本职业的描述。

Insurance representatives advise on and sell life, accident, automobile, liability, endowment, fire, marine and other types of insurance to new and established clients.

任务

  • (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.

职业示例

Insurance agent · Insurance broker · Insurance underwriter

Sources: ILO ISCO-08 — details: Credits

ESCO 职业词汇

以下每一项都是在已公开的ESCO-O*NET Crosswalk（第 1 版，2022 年）中与本职业逐项对应的。对应类型出自该对照表；表述出自 AI Changing Work。

  • insurance brokerESCO 3321.1范围相同

    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.

来源: European Commission, DG EMPL — ESCO API 2026-08-08 (bridge v1.2.1)

许可: CC BY 4.0 (EU Reuse Notice)

查看原文

ESCO reuse terms and the modification notice are in Credits.

法国职业分类关联（ROME）

本职业与 ROME 4.0 职业条目（fiche）之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。标为「暂定」的关联仅凭同一模型系列（Claude）两位判定者的判定采纳，或对其判定适用运营方规则后采纳，因此其依据弱于已确认的关联。

ROME 代码ROME 名称（法语）关系
C1102Conseiller commercial / Conseillère commerciale et relation client en assurances本职业范围更宽暂定
C1103Courtier / Courtière en assurance本职业范围更宽暂定
C1111Mandataire en assurance本职业范围更宽暂定
C1112Agent général / Agente générale d'assurance本职业范围更宽暂定
C1129Responsable grands comptes assurances本职业范围更宽暂定
C1119Chargé / Chargée d'affaires en assurances相关，但不对应暂定

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)

西班牙职业分类关联（CNO-11）

本职业与 CNO-11 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。

CNO-11 代码CNO-11 名称（西班牙语）关系
3521Mediadores y agentes de seguros范围相同暂定

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)

德国职业分类关联（KldB）

本职业与 KldB 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。

KldB 代码KldB 名称（德语）关系
72132Versicherungskaufleute - fachlich ausgerichtete Tätigkeiten有重叠，但不相同
72133Versicherungskaufleute - komplexe Spezialistentätigkeiten有重叠，但不相同暂定
72134Versicherungskaufleute - hoch komplexe Tätigkeiten相关，但不对应暂定

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)

日本职业分类关联（JSCO）

本职业与 JSCO 职业之间的关联，由 AI Changing Work 借助 AI 模型判定。关系从本职业一侧解读。

JSCO 代码JSCO 名称（日语）关系
332保険代理・仲立人（ブローカー）本职业范围更宽
346金融・保険営業職業従事者本职业范围更宽

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)

本页数据的来源与许可，以及 AI Changing Work 的修改与翻译说明：致谢与来源