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AI Risk Comparison

Insurance Underwriters vs Credit Counselors

Compare AI replacement risk, automatable work, resilient skills, and potential career pivots for both occupations.

Safer role
Insurance Underwriters
Higher risk
Credit Counselors
Risk gap
14 points
Business & FinanceO*NET: 13-2053.00

Insurance Underwriters

Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.

AI Risk Score

77/100
High

High risk: many core tasks are exposed to automation.

Automation factors

  • Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
  • Review company records to determine amount of insurance in force on single risk or group of closely related risks.
  • Analyzing Data or Information
  • Working with Computers
  • Processing Information

Top skills

Reading Comprehension3.75/5
Active Listening3.75/5
Writing3.75/5
Critical Thinking3.75/5
Speaking3.62/5

Recommended career pivots

Financial Risk Specialists19/100Credit Analysts46/100Loan Officers93/100Insurance Sales Agents54/100Claims Adjusters, Examiners, and Investigators43/100
Business & FinanceO*NET: 13-2071.00

Credit Counselors

Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.

AI Risk Score

91/100
Critical

High risk: many core tasks are exposed to automation.

Automation factors

  • Calculate clients' available monthly income to meet debt obligations.
  • Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
  • Interview clients by telephone or in person to gather financial information.
  • Working with Computers
  • Documenting/Recording Information

Top skills

Speaking4.00/5
Reading Comprehension3.88/5
Active Listening3.88/5
Writing3.75/5
Critical Thinking3.75/5

Recommended career pivots

Personal Financial Advisors59/100Loan Officers93/100Credit Authorizers, Checkers, and Clerks89/100Credit Analysts46/100Loan Interviewers and Clerks92/100

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