Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.

“Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.” is a core task performed by Insurance Underwriters. Among the occupation's 7 rated tasks, workers place it 2nd by importance (#6 most important). About 97% of workers say it is relevant to their job.

This is a single occupation-specific task statement from O*NET. The figures below describe how central the task is to the job and what independent studies measure about AI and this kind of work — not a prediction that the task will be automated.

Work activities this task rolls up to

O*NET groups concrete tasks into broader work activities shared across many occupations.

• Authorize business activities or transactions. in Making Decisions and Solving Problems

AI exposure

The OpenAI / Eloundou “GPTs are GPTs” study rates this task E2. Exposure with tools — software built on top of a language model (not the model alone) could cut the time by at least half.

Exposure measures whether a model could meaningfully speed the task up — it is an estimate of overlap with model capabilities, not a measure of whether the work will be done by software. The study's intermediate score (β) for this task is 0.50. Automation potential label: T3.

Other tasks in this occupation

• Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property. · importance 4.5
• Decline excessive risks. · importance 4.4
• Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies. · importance 4.3
• Evaluate possibility of losses due to catastrophe or excessive insurance. · importance 4.2
• Review company records to determine amount of insurance in force on single risk or group of closely related risks. · importance 4.0
• Authorize reinsurance of policy when risk is high. · importance 3.9

See all tasks on the Insurance Underwriters page.

Sources for this page

Every figure above traces to a named public dataset and the exact release below — not hand-written opinion. See the full methodology for what each measure does and does not mean.

• O*NET 30.3 U.S. Department of Labor / National Center for O*NET Development
• “GPTs are GPTs” (Eloundou et al.) arXiv 2303.10130 OpenAI / academic

Data compiled June 2, 2026. Figures are estimates, not advice.

@misc{singulariki-task-1264,
  title  = {Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.},
  author = {{Singulariki}},
  year   = {2026},
  note   = {O*NET 30.3; “GPTs are GPTs” (Eloundou et al.) arXiv 2303.10130. Accessed June 7, 2026},
  url    = {https://singulariki.com/tasks/task-1264}
}