Insurance representatives
Most tasks score high and the scores agree. Expect the role to be reorganised.
Exposure is not job loss: it shows how much of the work generative AI could do today. Whether that turns into transformation, productivity gains or cuts depends on employers, regulation — and on you.
0 = today’s generative AI cannot perform any of the job’s tasks, 100 = it could do all of them fully. The pale band is the spread across tasks.
Work out your own score ↓What can you do?
🤖 Written with AIThis text was written by artificial intelligence from the data points shown; it is built on verified figures but may contain mistakes.· 12/10/2026How is it made?
With an exposure score of 53/100, insurance representatives face moderate AI integration. Routine premium calculations and basic policy explanations automate easily, but bespoke negotiations for complex risks and personalized client advisory ensure steady demand across Europe.
What changes
- Automated intake screening accelerates gathering client personal and financial background information.
- Algorithmic underwriting tools handle standard premium calculations and payment setup instantly.
- AI assistants draft customized policy breakdowns and explain coverage details directly to clients.
What stays human
- Structuring tailored insurance contracts for high-stakes, unconventional, or specialized commercial projects.
- Nuanced negotiations to evaluate subjective risk tolerance and build client trust.
- Brokering complex reinsurance arrangements that demand strategic relationship management and discretion.
What to learn
- Commercial underwriting expertise in niche industries requiring bespoke, non-standard risk analysis.
- Proficiency in AI-enabled quoting platforms to streamline policy drafting and comparisons.
- Advanced consultative negotiation and emotional intelligence for high-value client advisory.
Task by task
The ILO scored every task of the occupation separately, as the average of two AI models (GPT-4o and Gemini). The pale band is the range between the two models' scores, the dot the ILO's final score (for a few tasks expert review placed it outside the band).
- Assisting clients to determine the type and level of coverage required, calculating premiums and establishing method of payment64
- Obtaining information about customers’ circumstances necessary to determine appropriate type of insurance and conditions64
- Explaining details of insurance and conditions, risk coverage premiums and benefits to customers63
- Negotiating with customers to determine type and degree of risk for which insurance is required43
- Advising on, negotiating terms for and placing insurance contracts for large or special types of projects, installations or risks.43
- Negotiating and placing reinsurance contracts40
How much does it affect you?
Every job is different: mark which of these tasks you do and how much, and we'll compute your own, time-weighted score.
For each task: I don't do it · sometimes · most of my job.
- Assisting clients to determine the type and level of coverage required, calculating premiums and establishing method of payment(64)
- Obtaining information about customers’ circumstances necessary to determine appropriate type of insurance and conditions(64)
- Explaining details of insurance and conditions, risk coverage premiums and benefits to customers(63)
- Negotiating with customers to determine type and degree of risk for which insurance is required(43)
- Advising on, negotiating terms for and placing insurance contracts for large or special types of projects, installations or risks.(43)
- Negotiating and placing reinsurance contracts(40)
You are exactly at the occupation average. (The occupation's score: 53.)
About 50% of your working time goes to highly exposed tasks (score ≥ 50).
- • Assisting clients to determine the type and level of coverage required, calculating premiums and establishing method of payment
- • Obtaining information about customers‚Äô circumstances necessary to determine appropriate type of insurance and conditions
- • Negotiating and placing reinsurance contracts
- • Negotiating with customers to determine type and degree of risk for which insurance is required
An estimate from the ILO task scores. Everything is computed in your browser — nothing is sent or stored.
How many people work in this occupational group?
Share of the Business and administration associate professionals group in total employment, by country (Eurostat, ISCO 2-digit — 4-digit breakdowns are not public by country).
Table view
| Country | Business and administration associate professionals |
|---|---|
| Cyprus | 10.6% · 53 thousand · 2025 |
| Luxembourg | 9.0% · 29 thousand · 2025 |
| Sweden | 8.6% · 450 thousand · 2025 |
| Austria | 8.3% · 373 thousand · 2025 |
| Latvia | 8.0% · 71 thousand · 2025 |
| Czechia | 7.8% · 405 thousand · 2025 |
| Hungary | 7.6% · 354 thousand · 2025 |
| Denmark | 7.6% · 232 thousand · 2025 |
| Germany | 7.4% · 3,144 thousand · 2025 |
| Italy | 7.4% · 1,772 thousand · 2025 |
| Slovenia | 7.2% · 72 thousand · 2025 |
| Netherlands | 6.9% · 682 thousand · 2025 |
| Estonia | 6.8% · 47 thousand · 2025 |
| France | 6.7% · 1,961 thousand · 2025 |
| Belgium | 6.6% · 341 thousand · 2025 |
| Iceland | 6.6% · 15 thousand · 2025 |
| Poland | 6.5% · 1,121 thousand · 2025 |
| United Kingdom | 6.2% · 2,127 thousand · 2025 |
| Ireland | 6.0% · 168 thousand · 2025 |
| Finland | 6.0% · 154 thousand · 2025 |
| Slovakia | 5.9% · 155 thousand · 2025 |
| Norway | 5.9% · 170 thousand · 2025 |
| Bulgaria | 5.7% · 167 thousand · 2025 |
| Portugal | 5.6% · 295 thousand · 2025 |
| Croatia | 5.6% · 94 thousand · 2025 |
| Malta | 5.3% · 17 thousand · 2025 |
| Switzerland | 5.1% · 244 thousand · 2025 |
| Spain | 5.0% · 1,113 thousand · 2025 |
| Lithuania | 4.3% · 63 thousand · 2025 |
| Romania | 3.5% · 268 thousand · 2025 |
| Greece | 3.5% · 151 thousand · 2025 |
What do they earn?
Mean gross monthly earnings in the major occupational group (Technicians and associate professionals). Eurostat's earnings survey only publishes pay by occupation at 1 digit, so this is the job's broader group. Enterprises with 10+ employees, 2022.
By country, at purchasing power parity (PPS/month), so countries with different price levels can be compared.
- Switzerland5,280
- Luxembourg4,320
- Norway4,307
- Denmark4,301
- Ireland4,024
- Belgium3,903
- Iceland3,856
- Germany3,608
- Austria3,399
- Netherlands3,247
- EU273,226
- Italy3,127
- Sweden3,089
- Finland2,971
- France2,687
- Spain2,685
- Slovenia2,660
- Cyprus2,537
- Lithuania2,472
- Malta2,464
- Romania2,310
- Poland2,294
- Czechia2,275
- Estonia2,251
- Croatia2,127
- Latvia2,081
- Hungary2,054
- Greece2,050
- Portugal2,044
- Slovakia2,027
- Bulgaria1,738
Source: Eurostat Structure of Earnings Survey (earn_ses22_21), every four years. The United Kingdom is not covered by the survey.
Outlook to 2035
Employment in the Business and administration associate professionals group according to Cedefop's 2026 forecast.
thousand · Cedefop Skills Forecast 2026 · 2026–2035: projection
Replacement demand is the jobs left by people retiring or changing careers — even a shrinking occupation can have many openings.
Related occupations
Sources: ILO WP140 (2025) · Eurostat lfsa_egai2d · Cedefop Skills Forecast 2026 · WEF Future of Jobs 2025 · ESCO. The exposure score measures how much of an occupation's tasks generative AI could perform — not whether the job disappears. For information only, not career advice. How do we calculate this?