Verzekeringsacceptanten
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Risico van automatisering
Imminent Risico (81-100%): Beroepen op dit niveau hebben een extreem hoge kans om in de nabije toekomst geautomatiseerd te worden. Deze banen bestaan voornamelijk uit repetitieve, voorspelbare taken waarbij weinig behoefte is aan menselijk oordeel.
Meer informatie over wat deze score is en hoe deze wordt berekend, is beschikbaar hier.
Gebruikerspeiling
Onze bezoekers hebben gestemd dat het waarschijnlijk is dat dit beroep geautomatiseerd zal worden. Deze beoordeling wordt verder ondersteund door het berekende automatiseringsrisiconiveau, dat een schatting geeft van 82% kans op automatisering.
Wat denk je dat het risico van automatisering is?
Wat is de kans dat Verzekeringsacceptanten binnen de komende 20 jaar vervangen zal worden door robots of kunstmatige intelligentie?
Gevoel
De volgende grafiek(en) zijn opgenomen waar er een aanzienlijke hoeveelheid stemmen is om betekenisvolle gegevens te leveren. Deze visuele weergaven tonen de resultaten van gebruikerspolls in de loop van de tijd, en geven een belangrijke indicatie van sentimenttrends.
Gevoel over tijd (jaarlijks)
Groei
Het aantal 'Insurance Underwriters' vacatures zal naar verwachting afnemen met 4,5% tegen 2032
Totale werkgelegenheid en geschatte vacatures
Bijgewerkte prognoses zijn verschuldigd 09-2023.
Lonen
In 2022 was het mediane jaarloon voor 'Insurance Underwriters' $ 76.230, of $ 36 per uur
'Insurance Underwriters' werden 64,6% hoger betaald dan het nationale mediane loon, dat op $ 46.310 stond.
Lonen in de loop van de tijd
Volume
Vanaf 2022 waren er 105.900 mensen in dienst als 'Insurance Underwriters' binnen de Verenigde Staten.
Dit vertegenwoordigt ongeveer 0,07% van de werkende bevolking in het hele land.
Anders gezegd, ongeveer 1 op de 1 duizend mensen is werkzaam als 'Insurance Underwriters'.
Functieomschrijving
Beoordeel individuele verzekeringsaanvragen om de mate van risico te evalueren en te bepalen of de aanvragen worden geaccepteerd.
SOC Code: 13-2053.00
Middelen
Als u overweegt een nieuwe carrière te beginnen, of van baan wilt veranderen, hebben we een handige zoektool voor banen gemaakt die u mogelijk helpt bij het vinden van die perfecte nieuwe functie.
Opmerkingen
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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