# Insurance Sales Agents

> 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.

- **SOC code:** 41-3021.00
- **Canonical URL:** https://singulariki.com/roles/role-41-3021-00
- **Also known as:** Insurance Agent, Insurance Broker, Sales Agent, Sales Representative, Insurance Sales Agent, Sales Associate, Underwriting Sales Representative, Account Representative
- **Frame:** "AI exposure" means task overlap (how codifiable the work is), not jobs lost or a forecast. Every figure below is traced to a named public dataset.

## What this work is

**Core tasks** (O*NET):
- Customize insurance programs to suit individual customers, often covering a variety of risks.
- 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.
- Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.
- Perform administrative tasks, such as maintaining records and handling policy renewals.
- Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.
- Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.
- Confer with clients to obtain and provide information when claims are made on a policy.
- 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.
- Contact underwriter and submit forms to obtain binder coverage.
- Select company that offers type of coverage requested by client to underwrite policy.
- Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.
- Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.

## Skills, tools, capabilities

**Knowledge, skills & abilities** (O*NET, highest importance first):
- Customer and Personal Service _(knowledge)_
- Sales and Marketing _(knowledge)_
- English Language _(knowledge)_
- Reading Comprehension _(essential_skill)_
- Oral Comprehension _(ability)_
- Written Comprehension _(ability)_
- Oral Expression _(ability)_
- Active Listening _(essential_skill)_
- Speaking _(essential_skill)_
- Critical Thinking _(essential_skill)_
- Speech Clarity _(ability)_
- Writing _(essential_skill)_

**Skills in demand:**
- English Language _(Common Skill)_
- Reading Comprehension _(Common Skill)_
- Active Listening _(Common Skill)_
- Critical Thinking _(Common Skill)_
- Writing _(Common Skill)_
- Speech Recognition _(Specialized Skill)_
- Mathematics _(Common Skill)_
- Time Management _(Common Skill)_
- Microsoft Outlook _(Common Skill)_
- Negotiation _(Common Skill)_
- Deductive Reasoning _(Common Skill)_
- Social Perceptiveness _(Common Skill)_

**Tools & technology:**
- Microsoft Office software _(hot technology, in demand)_
- Microsoft Outlook _(hot technology, in demand)_
- Adobe After Effects _(hot technology)_
- Facebook _(hot technology)_
- Microsoft Excel _(hot technology)_
- Microsoft PowerPoint _(hot technology)_
- Microsoft Windows _(hot technology)_
- Microsoft Word _(hot technology)_
- Zoom _(hot technology)_
- Advantage Information Systems The Agency Advantage
- Agency management software
- Agency Master

## AI exposure & outlook

- **AI task-overlap index:** 93rd percentile (High) across all occupations — composite of current-era exposure studies (ai-exposure-index-v1).
- **Overall AI exposure (Felten et al.):** 91st percentile (High) — source: felten_aioe.
- **LLM task exposure, γ (OpenAI / Eloundou):** 95th percentile (High) — source: eloundou_gamma.
- **AI assistant applicability (Microsoft):** 75th percentile (High) — source: microsoft_applicability.
- **Frey–Osborne (2013, historical computerization estimate):** 82nd percentile — kept separate from current-era studies.
- **Remote-capable (Dingel–Neiman):** yes — task structure, not who actually works remote.
- **Projected employment (BLS 2024–34):** 3.7% growth (About average); 47k annual openings; 568.8k → 589.8k jobs.
- **Pay & employment (BLS OEWS, May 2024):** median $60,370; 469,480 employed.

## How people actually use AI here

Anthropic Economic Index — measured AI conversations mapped to this occupation's tasks:

- **Automation vs augmentation:** 26% automation, 59% augmentation (usage-weighted).
- **Autonomy median:** 3.0 (higher = AI acts more independently).
- **Dominant collaboration mode:** learning.

**Tasks most handed to AI here:**
- 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. _(0.9% of measured AI use; directive)_
- Customize insurance programs to suit individual customers, often covering a variety of risks. _(0.9% of measured AI use; task iteration)_
- Explain necessary bookkeeping requirements for customer to implement and provide group insurance program. _(0.8% of measured AI use; learning)_
- Confer with clients to obtain and provide information when claims are made on a policy. _(0.8% of measured AI use; learning)_
- Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries. _(0.5% of measured AI use; learning)_

**Example prompts (honest phrasings of the tasks above — starting points, not endorsed instructions):**
- Help me 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.
- Help me customize insurance programs to suit individual customers, often covering a variety of risks.
- Help me explain necessary bookkeeping requirements for customer to implement and provide group insurance program.
- Help me confer with clients to obtain and provide information when claims are made on a policy.
- Help me call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.

## Sources

- **O*NET** (30.3) — U.S. Department of Labor / National Center for O*NET Development. https://www.onetcenter.org/database.html
- **BLS Occupational Employment and Wage Statistics (OEWS)** (May 2024) — U.S. Bureau of Labor Statistics. https://www.bls.gov/oes/
- **BLS Employment Projections** (2024–2034) — U.S. Bureau of Labor Statistics. https://www.bls.gov/emp/
- **Anthropic Economic Index** (v4 (2026-01-15) + v2 (2025-03-27)) — Anthropic. https://www.anthropic.com/economic-index
- **Microsoft “Working with AI”** (working-with-ai) — Microsoft Research. https://www.microsoft.com/en-us/research/
- **“GPTs are GPTs” (Eloundou et al.)** (arXiv 2303.10130) — OpenAI / academic. https://arxiv.org/abs/2303.10130
- **AI Occupational Exposure (AIOE)** (Felten, Raj & Seamans) — academic. https://github.com/AIOE-Data/AIOE
- **Frey & Osborne (2013)** (frey-osborne-automation) — academic. https://www.oxfordmartin.ox.ac.uk/publications/the-future-of-employment/
- **Dingel & Neiman (2020)** (dingel-neiman-workathome) — academic. https://github.com/jdingel/DingelNeiman-workathome

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_Generated from Singulariki's joined dataset; data snapshot 2026-06-02T21:00:32.945303+00:00. https://singulariki.com/roles/role-41-3021-00_