AI exposure: Insurance Claims and Policy Processing Clerks
Process new insurance policies, modifications to existing policies, and claims forms. Obtain information from policyholders to verify the accuracy and completeness of information on claims forms, applications and related documents, and company records. Update existing policies and company records to reflect changes requested by policyholders and insurance company representatives.
Reading this score
computedInsurance Claims and Policy Processing Clerks sits in the top 1% of every occupation measured. 68.6% of what this job consists of, weighted by how important each task is to the role, is work current AI systems can produce with little standing in the way. Very few occupations score this high. The ones that do tend to share a trait: the output is a document, a calculation or a message, and nobody has to be in a particular room for it to count.
No single friction dominates this occupation. The strongest is context at 1.52 out of 3 and the weakest is embodiment at 0.18, which is a narrow spread. Where nothing structural stands in the way, exposure tracks capability almost directly, and capability is the thing that changes every quarter.
The most exposed thing this job does is Correspond with insured or agent to obtain information or to inform them of account status or..., at 93.3%. The least is Collect initial premiums and issue receipts, at 26.7%. A gap of 66.7% between two parts of the same job is the reason this index publishes at task level. An occupation-wide number would have hidden both.
Within office and administrative support occupations, this one is more exposed than most. The median across the 51 roles in the group is 54.6%, and only 3 of them score higher than this. Occupational families are not uniform, and the spread inside them is often wider than the gap between them.
What would move this score. Of 25 tasks, 25 are currently banded exposed, 0 assisted and 0 untouched. For that distribution to shift materially would take systems being given deeper access to the organisation's own records and history, which is already happening. The score is re-computed every quarter against a fresh capability reference, and the change is published rather than quietly applied.
Task by task
25 tasks, O*NET 31.0| Task | Exposed | Assisted | Untouched | Importance | Band |
|---|---|---|---|---|---|
| Correspond with insured or agent to obtain information or to inform them of account status or changes. | 93.3% | 6.7% | 0.0% | 4.29 | exposed |
| Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data. | 86.7% | 13.3% | 0.0% | 4.41 | exposed |
| Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts. | 86.7% | 13.3% | 0.0% | 4.08 | exposed |
| Compose business correspondence for supervisors, managers, and professionals. | 86.7% | 13.3% | 0.0% | 3.69 | exposed |
| Enter insurance- and claims-related information into database systems. | 86.7% | 13.3% | 0.0% | – | exposed |
| Review insurance policy to determine coverage. | 80.0% | 20.0% | 0.0% | 4.46 | exposed |
| Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met. | 80.0% | 20.0% | 0.0% | 4.16 | exposed |
| Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes. | 80.0% | 20.0% | 0.0% | 4.14 | exposed |
| Notify insurance agent and accounting department of policy cancellation. | 80.0% | 20.0% | 0.0% | 3.65 | exposed |
| Calculate amount of claim. | 73.3% | 26.7% | 0.0% | 4.64 | exposed |
| Post or attach information to claim file. | 73.3% | 26.7% | 0.0% | 4.62 | exposed |
| Process and record new insurance policies and claims. | 73.3% | 26.7% | 0.0% | 4.45 | exposed |
| Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards. | 73.3% | 26.7% | 0.0% | – | exposed |
| Contact insured or other involved persons to obtain missing information. | 66.7% | 33.3% | 0.0% | 4.48 | exposed |
| Prepare insurance claim forms or related documents, and review them for completeness. | 61.3% | 26.2% | 12.5% | 4.75 | exposed |
| Transmit claims for payment or further investigation. | 60.0% | 15.0% | 25.0% | 4.61 | exposed |
| Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies. | 60.0% | 40.0% | 0.0% | 4.22 | exposed |
| Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance. | 60.0% | 40.0% | 0.0% | – | exposed |
| Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled. | 60.0% | 40.0% | 0.0% | – | exposed |
| Interview clients and take their calls to provide customer service and obtain information on claims. | 52.5% | 22.5% | 25.0% | 3.91 | exposed |
| Obtain computer printout of policy cancellations, or retrieve cancellation cards from file. | 50.0% | 25.0% | 25.0% | 3.78 | exposed |
| Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors. | 45.0% | 30.0% | 25.0% | 4.37 | exposed |
| Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers. | 45.0% | 30.0% | 25.0% | 4.45 | exposed |
| Pay small claims. | 40.0% | 35.0% | 25.0% | 4.69 | exposed |
| Collect initial premiums and issue receipts. | 26.7% | 23.3% | 50.0% | 4.06 | exposed |
Task text and importance ratings sourced from O*NET 31.0. Shares computed. The occupation score is the importance-weighted mean. 4 task(s) lacked a usable O*NET weight and are shown but excluded from the weighting.
Where the score comes from
judgedEvery task is scored through the standardised work activities it maps to. These are this occupation’s averages on the six rubric dimensions. Capability is what AI can do; the other five are what stands in the way.
| Dimension | Mean | Scale |
|---|---|---|
| Capability | 3.66 | 0-4 |
| Embodiment | 0.18 | 0-3 |
| Presence | 0.34 | 0-3 |
| Accountability | 1.00 | 0-3 |
| Context | 1.52 | 0-3 |
| Verification cost | 1.08 | 0-3 |
What this means in practice
Where most of a role's weighted task load is exposed, the work that survives is usually the part of the job nobody wrote into the job description: deciding what should be produced rather than producing it, and being answerable for the result. The tasks lowest on this page are a better guide to where to spend your time than any general advice about the future of work.
Occupations either side of this one
The four closest scores in the same occupational family, then the four closest anywhere in the index.
Read this carefully. Exposure is not displacement. A high score means current AI systems can produce this work, not that anyone will stop paying a person to do it. Adoption depends on economics, regulation and inertia that this index deliberately does not model. How the score is built.