Insurance Sales Agents
In short: today's best AI models could do about 40% of this job's working time (projected from METR's April 2026 measurement and Epoch's November 2026 index) if the work were set up for them, and about 45% by the end of 2028 if progress keeps its long-run pace. The conversations, in-person and hands-on work, about 55% of the time, stays with people.
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.
479,100 people do this job in the US. $62,280 a year.
Reviewed on September 30, 2026: what each task is made of, and what handing it over would ask.
A typical 40-hour week
- AI could take on0 h
- A person checks AI's work16 h
- Desk work AI can't do yet2 h
- Stays with people22 h
Insurance Sales Agents, now: of a 40-hour week, AI could take on 0 hours, 16 hours become checking its work, 2 hours are desk work it can't do yet, and 22 hours stay with people.
The largest pieces: Develop marketing strategies (about 5 h, a person checks); Fit insurance programs into company books (about 3 h, a person checks); Customize insurance programs (about 3 h, a person checks).
Estimates for a typical week of this job, if progress keeps its long-run pace, counting work the best models finish four times in five. Every task is below.
of the working time. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.
- 32%
- 13%
- 33%
- 21%
- 2%
of the work: Anthropic's measure of what people already bring to Claude at work (2025). It counts help with part of a task, so it can be higher than the share within reach.
On the chosen pace and reliability. Estimate.
Share of the working time within reach, now to 2030
Change assumptionsHide assumptionsLong-run pace, four in five
What each choice means: , , , , . Every pace starts from .
At this date and pace, models finish tasks up to 2.4 work days long four times in five.
What handing it over would take, now
The 40% within reach splits by what a model would need. The dates, pace and reliability follow the controls above. Estimates.
of the working time. The material can be handed to a model and the result handed back.
of the working time. The model has to be connected to the system the work lives in.
is conversation short enough by length. This site leaves conversation with people, so it is not in the total.
How far this has come
With GPT-4, measured in March 2023, 0% of this job's working time was within reach at . With Claude 3.7 Sonnet, measured in February 2025, 1%. With Claude Mythos Preview (early), measured in April 2026, 20%. Today's estimate: 40%.
A backcast: today's task data with the best model METR had measured by each date. It shows how fast the models have moved, not what anyone forecast at the time.
Measured use over time
Of the Claude.ai conversations Anthropic sampled and tied to a work task, no reportable share went to this job's tasks in May 2026; 0 of its 19 tasks showed up. Within each of Anthropic's methods, never across a change: 0.024% to 0.043% (released February and March 2025); 0.028% to 0.057% (August 2025 to February 2026).
Each release
| Conversations | Share | Rank | Tasks seen |
|---|---|---|---|
| Released February 2025 | 0.024% | 413 of 708 | 6 of 19 |
| Released March 2025 | 0.043% | 291 of 703 | 6 of 19 |
| The week of Aug 4, 2025 (released September 2025) | 0.028% | 321 of 655 | 6 of 19 |
| The week of Nov 13, 2025 (released January 2026) | 0.051% | 235 of 672 | 9 of 19 |
| The week of Feb 5, 2026 (released March 2026) | 0.057% | 236 of 677 | 8 of 19 |
| April 2026 (released June 2026) | none | n/a | 0 of 19 |
| May 2026 (released June 2026) | none | n/a | 0 of 19 |
Measured, not estimated: Anthropic's samples of Claude.ai conversations, each tied by a model to an O*NET task, from the Anthropic Economic Index. It says where Claude's use goes, not how much of this job's working time it covers, so it is not on the same scale as the reach above. The releases differ in their sample, their classifier and the smallest share they report (the June 2026 file rounds each task to a hundredth of a percent, so a smaller task reads as none), which is why a change of method starts a new line. At least 96% of each older release's task-tied use matched this site's tasks, and all of the newest. Claude.ai only, so use through other tools and other companies' models is not in it. Every job ranked.
Robots and the physical work
Anthropic rates 1% of this job's working time as physical work. For 1% of the working time, a robot has been shown doing most of the task somewhere: 1% in any setting. 0.04 of 3, the 611th highest of the 923 jobs.
- Not physical 99%
- In any setting 1%
Anthropic's rating, not this site's estimate: Claude Opus 5, searching the web, rated each physical O*NET task by the kind of setting in which a robot it could cite (deployed, sold or demonstrated) does most of the task, weighted by its own estimate of each task's share of the time (What work can robots do?, September 30, 2026, data CC BY 4.0; every job ranked). A robot shown somewhere is not a robot in your building: cost, setup and safety decide that. The share within reach on this page still counts no body work. The robot behind each rated task is under the task below.
What changes for the people in this job
From the task-by-task review, by the end of 2028 on the long-run pace at four in five. It says which parts of the work stay with people and which change, not whether anyone keeps a job: that depends on decisions no data set can see.
What stays with people
55% of the working time: the conversation, in-person and hands-on parts of the tasks.
- Sell insurance policies, the conversation, 11%
- Find new clients by networking, the conversation, 10%
- Call on policyholders to review coverage, the in-person work, 7%
- Explain policies to promote a sale, the conversation, 6%
- Attend seminars on new products, the in-person work, 5%
- Interview prospective clients, the conversation, 5%
What becomes checking the machine
43% of the working time: desk work a model could do by then, in tasks where a mistake costs something or a licensed person signs. A person checks it.
- Develop marketing strategies, costly if wrong, 16%
- Fit insurance programs into company books, costly if wrong, 7%
- Customize insurance programs, a licensed person signs, 7%
- Keep records and handle renewals, costly if wrong, 4%
- Choose the insurer to underwrite a policy, a licensed person signs, 3%
- Calculate premiums and set up payment, costly if wrong, 2%
What to learn
- The conversations. About 54% of the time is conversation and in-person work, which this site leaves with people: listening, explaining, persuading, calming.
- Reviewing work you did not do yourself. The tasks under What becomes checking the machine, where a mistake costs something, stay a person's to check or sign: spotting what a draft gets wrong is a skill of its own.
- Signing off under your license. Some tasks need a licensed, certified or sworn person to do or sign them. The license, and the judgment it stands for, stays with the person.
- Dealing with people outside the organization. Customers, patients, suppliers or the public: trust with them is built by a person.
- Briefing a model and checking its drafts. About 32% of the time is documents and data, the part models reach first: writing a clear brief, giving the right material, and checking what comes back.
Your own version of this job: read it against your job description. The headline is free; the full personal report, every task with its timeline and what to learn, is $19 (a sample).
The tasks
Sorted by . 19 tasks from .
| Task | ||||
|---|---|---|---|---|
| Develop marketing strategies to compete with other individuals or companies who sell insurance.Planning on paper.Done more than weekly by most who do it. | 16% | 5 h1.7 h to 2.1 work days | Documents 100% | 73%Half by now |
| 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.Selling in conversation, by phone and in person.Done daily by most who do it. | 11% | 1.3 h38 min to 4.2 h | Conversation 70%, in person 30% | Stays with people |
| Customize insurance programs to suit individual customers, often covering a variety of risks.Working out the coverage on paper, and talking it through.Done daily by most who do it. AI observed on this task. | 10% | 1.3 h25 min to 3.3 h | Documents 70%, conversation 30% | 70%Desk part half by now |
| Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.Calls and meetings to build a clientele.Done daily by most who do it. AI observed on this task. | 10% | 1.7 h50 min to 5 h | Conversation 50%, in person 50% | Stays with people |
| Plan and oversee incorporation of insurance program into bookkeeping system of company.A plan on paper, its setup in the system, and calls.Done more than weekly by most who do it. | 9% | 3.3 h1.7 h to 6.7 h | Documents 50%, systems 30%, conversation 20% | 80%Desk part half by now |
| Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.Visits and calls to go through the policy.Done daily by most who do it. | 7% | 1.3 h25 min to 2.1 h | In person 60%, conversation 40% | Stays with people |
| Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.Selling in conversation, by phone and in person.Done daily by most who do it. | 6% | 38 min13 min to 1.7 h | Conversation 70%, in person 30% | Stays with people |
| Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.Attendance and learning only the agent can do.Done more than yearly by most who do it. | 5% | 2.5 h50 min to 6.7 h | In person 100% | Stays with people |
| 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.Conversation about finances and what is to be insured.Done daily by most who do it. AI observed on this task. | 5% | 1.1 h25 min to 1.7 h | Conversation 60%, in person 40% | Stays with people |
| Perform administrative tasks, such as maintaining records and handling policy renewals.Entries in the policy system.Done daily by most who do it. | 4% | 25 min8 min to 1.3 h | Systems 100% | 100%Half by now |
| Select company that offers type of coverage requested by client to underwrite policy.Comparing carriers against the client's needs.Done daily by most who do it. | 3% | 25 min13 min to 1.3 h | Documents 70%, systems 30% | 100%Half by now |
| Contact underwriter and submit forms to obtain binder coverage.Forms sent to the underwriter, with a call.Done daily by most who do it. | 2% | 29 min13 min to 1.1 h | Systems 60%, conversation 40% | 60%Desk part half by now |
Within reach, per task: the share of the task's time whose instances are short enough for a model to finish at the chosen date, pace and reliability. Half by: the date half of that time comes within reach. Made of: how the task's time splits among five kinds of doing. Only the documents and systems parts can count as within reach, so a task that is 30% documents can be at most 30% within reach.
Jobs that share skills with this one
From O*NET's related occupations. Within reach now and by the end of 2028, long-run pace, four in five.
- Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel59% now, 60% by 2028
- Insurance Claims and Policy Processing Clerks86% now, 86% by 2028
- Customer Service Representatives64% now, 64% by 2028
- Personal Financial Advisors71% now, 73% by 2028
- Securities, Commodities, and Financial Services Sales Agents69% now, 73% by 2028
- Insurance Underwriters100% now, 100% by 2028
Where this job works
The industry groups that employ the most of it (BLS, May 2025).
- Agencies, Brokerages, and Other Insurance Related Activities378,790 people
- Insurance Carriers80,630 people
- Management of Companies and Enterprises3,240 people
- Travel Arrangement and Reservation Services2,990 people
- Securities, Commodity Contracts, and Other Financial Investments and Related Activities2,040 people
Where the most of these jobs are
The metro areas with the most people in it (BLS, May 2025).
Questions about this job
- How much of the work of Insurance Sales Agents is within reach of AI now?
- An estimated 40% of the working time is within reach of AI models now and 45% by the end of 2028, on METR's long-run pace at four in five (44% to 45% across the three paces the site shows). Within reach means a model could finish work that long at that reliability. It is not a forecast of jobs lost or of savings.
- Which tasks of Insurance Sales Agents come within reach first?
- Weighted by the time each takes, the tasks with the most within reach now (projected from METR's April 2026 measurement and Epoch's November 2026 index) are: Develop marketing strategies (73% of the task's time now, 100% by the end of 2028); Fit insurance programs into company books (80% of the task's time now); and Customize insurance programs (70% of the task's time now).
- Which tasks of Insurance Sales Agents stay with people?
- Tasks that are people work or body work are not counted as within reach at any date. The largest: Sell insurance policies; Find new clients by networking; and Call on policyholders to review coverage. Together such tasks are about 43% of the working time, and the people and body parts of the other tasks stay with people too.
- What should Insurance Sales Agents learn as AI takes on more of the work?
- By the job's own task-by-task review, the first things to learn are the conversations; reviewing work you did not do yourself; and signing off under your license. By the end of 2028 on the long-run pace at four in five, about 55% of the working time stays with people, 43% becomes checking a model's work and 0% could be handed over with lighter checks. It says which parts of the work change, never whether anyone keeps a job.
- Do people already use AI for the work of Insurance Sales Agents?
- In the Claude.ai conversations Anthropic sampled for May 2026, no reportable share went to this job's tasks. Anthropic's labor market measure puts the share of the job's tasks seen in real Claude use at work at 32%. These are measures of use, not of how much of the work AI could finish, and they cover Claude only.
- Can robots do the physical work of Insurance Sales Agents?
- Anthropic's robot exposure rating (September 2026) finds 1% of the working time is physical work, and that a robot has been shown doing most of the task, somewhere, for 1% of the working time, 1% in any setting. Its index is 0.04 of 3. One example: EagleView Assess for "inspect property as an insurance risk". A robot shown somewhere is not one in every workplace; this site's own estimates still count no physical work as within reach.
- How is this estimated?
- From the 19 tasks O*NET lists for the occupation, each with an estimated length checked against GDPval and a share of the working time, reviewed one task at a time on September 30, 2026 for what each is made of (documents, business systems, conversation, in person, hands-on), and METR's measurements of how long a task the best AI models can finish, carried forward to the date from the latest, Claude Mythos Preview (early) in April 2026. Data checked November 10, 2026.
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