When Will AI Replace Souscripteurs d'assurance ?

The automation of insurance underwriting tasks is accelerating, with significant impacts expected across different roles. By 2028, approximately 55% of all tasks will be handled by AI. This transformation is already underway, with platforms like Lemonade and Hippo demonstrating rapid processing capabilities.

The early wave of impact, starting as soon as 2026, will primarily affect junior underwriters. Those handling standardized policies such as auto, homeowners, and small commercial insurance are most vulnerable to displacement as AI systems efficiently manage these predictable tasks.

The mid-wave transformation will see broader adoption and deeper integration of AI. While junior roles face earlier disruption, senior underwriters specializing in complex commercial lines, niche insurances like cyber and D&O, and large account management can see their careers extend to 2030 and beyond with strategic adaptation.

Junior underwriters focusing on high-volume, standardized policies like auto, homeowners, and small commercial are at the forefront of AI-driven displacement. These roles are most susceptible to automation by AI-powered risk assessment platforms that can process these policies quickly and efficiently.

Senior underwriters with expertise in complex commercial lines, specialty insurance (cyber, D&O, environmental), and large account management possess a greater degree of job security. Their specialized knowledge and ability to handle intricate cases offer a buffer against immediate automation, allowing for career longevity.

To navigate the evolving landscape, insurance underwriters must focus on specialization and skill adaptation. Consider pivoting towards complex commercial lines, niche specialty insurance areas, or large account management where human expertise remains critical.

Embrace AI adoption and leverage enterprise platforms like Guidewire and Duck Creek. By understanding and working alongside these AI systems, underwriters can enhance their efficiency and value, transforming their roles rather than being replaced. Continuous learning and specialization are key.