보험 사정관
이 요약을 사이트에 원하시나요? 임베드 코드:
자동화 위험
임박한 위험 (81-100%): 이 수준의 직업은 가까운 미래에 자동화될 가능성이 매우 높습니다. 이러한 직업은 대부분 반복적이고 예측 가능한 작업으로, 인간의 판단이 거의 필요하지 않습니다.
이 점수가 무엇인지, 그리고 어떻게 계산되는지에 대한 자세한 정보는 여기에 있습니다.
사용자 설문조사
우리의 방문자들은 이 직업이 자동화 될 가능성이 높다고 투표했습니다. 이 평가는 계산된 자동화 위험 수준에 의해 더욱 지지받고 있으며, 이는 자동화의 82% 확률을 추정합니다.
자동화의 위험성에 대해 어떻게 생각하십니까?
보험 사정관
이 다음 20년 이내에 로봇이나 인공지능에 의해 대체될 가능성은 얼마나 됩니까?
감정
다음 그래프는 의미있는 데이터를 제공할 수 있는 상당한 양의 투표가 있을 때마다 포함되어 있습니다. 이러한 시각적 표현은 시간에 따른 사용자 설문조사 결과를 보여주어, 감정 추세의 중요한 지표를 제공합니다.
시간별 감정 (연간)
성장
'Insurance Underwriters' 직종의 채용 공고 수는 2032년까지 4.5% 감소할 것으로 예상됩니다.
총 고용량 및 예상 직업 공석
업데이트된 예상치가 09-2023에 제출될 예정입니다..
임금
2022년에 'Insurance Underwriters'의 중앙값 연간 급여는 $76,230이며, 시간당 $36입니다.
'Insurance Underwriters'은 전국 중위임금인 $46,310보다 64.6% 더 높은 금액을 지불받았습니다.
시간에 따른 임금
볼륨
2022년 현재, 미국 내에서 'Insurance Underwriters'로 고용된 사람들의 수는 105,900명이었습니다.
이는 전국의 고용 노동력 중 약 0.07%를 대표합니다.
다시 말해, 약 1 천명 중 1명이 'Insurance Underwriters'로 고용되어 있습니다.
직무 설명
보험 개별 신청서를 검토하여 위험의 정도를 평가하고 신청서의 승인 여부를 결정합니다.
SOC Code: 13-2053.00
자원
새로운 커리어를 시작하려고 생각하거나 직장을 바꾸려는 계획이 있다면, 우리가 만든 편리한 채용 검색 도구를 사용해보세요. 이 도구를 통해 완벽한 새로운 역할을 찾을 수 있을지도 모릅니다.
댓글
I am considering entering insurance underwriting because claims were very bad, I must say.
Would you say that computer automation is taking over all areas of underwriting (commercial underwriting, property & casualty underwriting, etc.)? I do hear that it is taking personal insurance by storm.
Also, I am REALLY trying hard to find similar jobs to underwriting/insurance in case underwriting doesn't work out.
I'm looking at cost estimating (outside of construction), property assessment, and budget analysis. According to the Bureau of Labor Statistics, you don't necessarily need a business or finance degree to go into these fields (I took several traditional/core business classes in school, and I also majored in a field much like "business psychology" - organizational development, which was in the business school).
Do you have any alternatives that you plan to explore in case you have to leave underwriting? Do you think any of the ones that I mentioned are feasible alternatives?
Thank you,
Carl Daniel
There is no doubt automation will transform this job and remove the need for the underwriter defined above. There are two different types of underwriting, staff and line underwriting. Line underwriting is what is defined above, an employee who reviews applications and degree of risk on accounts on an individual basis. Staff underwriters develop guidelines and initiatives to help drive the changes in product performance . Line underwriters then follow these guidelines and initiatives.
Staff underwriting will adapt to automation and use the tools made available by it to make better decisions. You will see some reduction in this field due to ease of decision making and some of these functions will likely transfer to automation.
Another thing to consider is that is the complexity of insurance. Insurance is ever evolving based on the ever changing ways of the world. Especially in commercial insurance, there are way too many unique situations that occur on a daily basis that there is no true basic answer to based on past history, but instead require an instinctive decision by an experienced underwriter. It is highly unlikely automation will be able to adapt to these daily situations. This is how some line underwriting will survive.
Do you mean to say that this definition removes the need for an underwriter? - "Review individual applications for insurance to evaluate the degree of risk involved and determine the acceptance of applications."
Oh, sorry, I just realized that you mentioned that this definition only applies to line underwriting, and that automation will decrease the need for line underwriters.
Thank you for clarifying that there are two types of underwriting - I wasn't aware of that. Underwriting is the only field in insurance that interests me, but I'm not into sales. I've been working in claims (and subrogation) for years, but it's not my cup of tea.
Since I don't have the educational background to be an actuary, underwriting is pretty much the only option left for me.
I've never heard of staff underwriting before - unfortunately, working in claims didn't teach me much about underwriting.
It seems like staff underwriting is the future of employment in underwriting.
You mentioned that commercial insurance/underwriting is hard to predict due to the constantly evolving and complex nature of insurance.
I'm considering getting my Associates in Commercial Underwriting while I search for a job in underwriting.
What do you think about the future of employment in commercial underwriting? Do you think there's any hope for cautious optimism, especially for staff underwriters in commercial underwriting?
Thank you,
Carl Daniel
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