ISCO-08 3321
Insurance representatives
97.0%
ADI · 26th of 433 · 95% interval 92.8–99.4
An AI agent can at least partly carry out 97.0% of the task time of insurance representatives, and finish 14.8% alone. The barrier that holds most of the rest back is access to the systems the work runs on.
ADI · partial or full97.0%
26th of 433 · interval 92.8–99.4
ADI3 · full delegation14.8%
27th of 433 · interval 0.0–32.5
ADIs · share of time63.1%
36th of 433 · interval 58.6–67.0
Evidence44
task statements rated by two models and weighted by importance and frequency. World employment: 2.5 million.
Task weight by level
How the tasks rate
L0No meaningful role · 0.0%L1Augmentation · 3.0%L2Partial delegation · 82.1%L3Full delegation · 14.9%
Barriers
What stops the agent
Share of task weight flagged by each barrier; a task can carry several.
44 task statements, heaviest first
| Task statement (O*NET occupation) | Sonnet · Haiku | Barriers | ||||
|---|---|---|---|---|---|---|
| Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.Insurance Underwriters | 8.9% | L2 | L2L2 | 70% | 52 min | Accountability, Access to systems |
| Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.Insurance Underwriters | 8.1% | L3 | L3L3 | 80% | 25 min | Access to systems |
| Decline excessive risks.Insurance Underwriters | 6.7% | L2 | L2L2 | 60% | 38 min | Accountability |
| Evaluate possibility of losses due to catastrophe or excessive insurance.Insurance Underwriters | 6.6% | L2 | L2L2 | 62% | 2.0 h | Accountability, Access to systems |
| Review company records to determine amount of insurance in force on single risk or group of closely related risks.Insurance Underwriters | 6.5% | L3 | L3L3 | 82% | 38 min | Access to systems |
| Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.Insurance Underwriters | 6.3% | L2 | L2L2 | 62% | 45 min | Accountability, Access to systems |
| Authorize reinsurance of policy when risk is high.Insurance Underwriters | 4.4% | L2 | L2L2 | 58% | 1.5 h | Accountability, Access to systems |
| Sell various types of insurance policies to businesses and individuals on behalf of insurance companies, including automobile, fire, life, property, medical and dental insurance, or specialized policies, such as marine, farm/crop, and medical malpractice.Insurance Sales Agents | 3.3% | L2 | L2L2 | 52% | 1.8 h | Accountability, Trust and care, Access to systems |
| Customize insurance programs to suit individual customers, often covering a variety of risks.Insurance Sales Agents | 3.3% | L2 | L2L2 | 60% | 2.0 h | Accountability, Trust and care, Access to systems |
| Explain features, advantages, and disadvantages of various policies to promote sale of insurance plans.Insurance Sales Agents | 3.1% | L2 | L2L2 | 65% | 52 min | Accountability, Trust and care |
| Seek out new clients and develop clientele by networking to find new customers and generate lists of prospective clients.Insurance Sales Agents | 2.9% | L2 | L2L2 | 58% | 3.0 h | Trust and care, Access to systems |
| Perform administrative tasks, such as maintaining records and handling policy renewals.Insurance Sales Agents | 2.9% | L2 | L2L2 | 65% | 45 min | Accountability, Access to systems |
| Call on policyholders to deliver and explain policy, to analyze insurance program and suggest additions or changes, or to change beneficiaries.Insurance Sales Agents | 2.7% | L2 | L2L2 | 48% | 1.1 h | Physical presence, Accountability, Trust and care, Access to systems |
| Select company that offers type of coverage requested by client to underwrite policy.Insurance Sales Agents | 2.7% | L2 | L2L2 | 70% | 38 min | Accountability, Access to systems |
| Calculate premiums and establish payment method.Insurance Sales Agents | 2.7% | L2 | L2L2 | 65% | 35 min | Accountability, Access to systems |
Show the other 29 tasks
| Task statement (O*NET occupation) | Sonnet · Haiku | Barriers | ||||
|---|---|---|---|---|---|---|
| Interview prospective clients to obtain data about their financial resources and needs, the physical condition of the person or property to be insured, and to discuss any existing coverage.Insurance Sales Agents | 2.6% | L2 | L2L2 | 55% | 52 min | Accountability, Trust and care, Access to systems |
| Plan and oversee incorporation of insurance program into bookkeeping system of company.Insurance Sales Agents · supplemental task | 2.6% | L2 | L2L2 | 58% | 4.0 h | Access to systems |
| Contact underwriter and submit forms to obtain binder coverage.Insurance Sales Agents | 2.5% | L2 | L2L2 | 65% | 45 min | Accountability, Access to systems |
| Confer with clients to obtain and provide information when claims are made on a policy.Insurance Sales Agents | 2.5% | L2 | L2L2 | 58% | 38 min | Accountability, Trust and care, Access to systems |
| Develop marketing strategies to compete with other individuals or companies who sell insurance.Insurance Sales Agents | 2.4% | L2 | L2L2 | 65% | 4.0 h | – |
| Monitor insurance claims to ensure they are settled equitably for both the client and the insurer.Insurance Sales Agents · supplemental task | 2.2% | L2 | L2L2 | 60% | 1.3 h | Accountability, Trust and care, Access to systems |
| Ensure that policy requirements are fulfilled, including any necessary medical examinations and the completion of appropriate forms.Insurance Sales Agents | 2.1% | L2 | L2L2 | 58% | 1.5 h | Physical presence, Accountability, Trust and care, Access to systems |
| Inspect property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.Insurance Sales Agents · supplemental task | 2.1% | L2 | L2L2 | 40% | 1.3 h | Physical presence, Accountability, Access to systems |
| Explain necessary bookkeeping requirements for customer to implement and provide group insurance program.Insurance Sales Agents · supplemental task | 1.7% | L2 | L2L3 | 72% | 1.3 h | Trust and care |
| Install bookkeeping systems and resolve system problems.Insurance Sales Agents · supplemental task | 1.6% | L2 | L2L2 | 62% | 2.5 h | Access to systems |
| Attend meetings, seminars, and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts.Insurance Sales Agents | 1.5% | L1 | L1L2 | 35% | 2.0 h | Trust and care, Access to systems |
| Monitor sales staff performance to ensure that goals are met.First-Line Supervisors of Non-Retail Sales Workers | 0.4% | L2 | L2L2 | 58% | 1.5 h | Trust and care, Access to systems |
| Direct and supervise employees engaged in sales, inventory-taking, reconciling cash receipts, or performing specific services.First-Line Supervisors of Non-Retail Sales Workers | 0.4% | L2 | L2L2 | 35% | 2.5 h | Physical presence, Trust and care, Access to systems |
| Provide staff with assistance in performing difficult or complicated duties.First-Line Supervisors of Non-Retail Sales Workers | 0.4% | L1 | L1L2 | 35% | 45 min | Trust and care, Access to systems |
| Formulate pricing policies on merchandise according to profitability requirements.First-Line Supervisors of Non-Retail Sales Workers · supplemental task | 0.3% | L2 | L2L2 | 60% | 4.0 h | Access to systems |
| Listen to and resolve customer complaints regarding services, products, or personnel.First-Line Supervisors of Non-Retail Sales Workers | 0.3% | L2 | L2L2 | 50% | 30 min | Trust and care, Access to systems |
| Examine merchandise to ensure correct pricing and display, and that it functions as advertised.First-Line Supervisors of Non-Retail Sales Workers · supplemental task | 0.3% | L1 | L1L2 | 28% | 45 min | Physical presence, Access to systems |
| Coordinate sales promotion activities, such as preparing merchandise displays and advertising copy.First-Line Supervisors of Non-Retail Sales Workers · supplemental task | 0.3% | L2 | L2L2 | 55% | 3.0 h | Physical presence, Trust and care |
| Visit retailers and sales representatives to promote products and gather information.First-Line Supervisors of Non-Retail Sales Workers · supplemental task | 0.3% | L1 | L1L1 | 18% | 2.8 h | Physical presence, Trust and care, Access to systems |
| Keep records pertaining to purchases, sales, and requisitions.First-Line Supervisors of Non-Retail Sales Workers | 0.3% | L3 | L3L3 | 85% | 52 min | Access to systems |
| Plan and prepare work schedules, and assign employees to specific duties.First-Line Supervisors of Non-Retail Sales Workers | 0.3% | L2 | L2L3 | 70% | 2.3 h | Access to systems |
| Examine products purchased for resale or received for storage to determine product condition.First-Line Supervisors of Non-Retail Sales Workers · supplemental task | 0.3% | L1 | L1L1 | 18% | 30 min | Physical presence, Access to systems |
| Inventory stock and reorder when inventories drop to specified levels.First-Line Supervisors of Non-Retail Sales Workers · supplemental task | 0.3% | L2 | L2L3 | 70% | 55 min | Physical presence, Access to systems |
| Prepare sales and inventory reports for management and budget departments.First-Line Supervisors of Non-Retail Sales Workers · supplemental task | 0.3% | L2 | L3L2 | 78% | 2.0 h | Access to systems |
| Attend company meetings to exchange product information and coordinate work activities with other departments.First-Line Supervisors of Non-Retail Sales Workers | 0.3% | L1 | L1L2 | 38% | 1.0 h | Trust and care, Access to systems |
| Confer with company officials to develop methods and procedures to increase sales, expand markets, and promote business.First-Line Supervisors of Non-Retail Sales Workers | 0.2% | L2 | L2L2 | 45% | 1.8 h | Trust and care |
| Analyze details of sales territories to assess their growth potential and to set quotas.First-Line Supervisors of Non-Retail Sales Workers · supplemental task | 0.2% | L2 | L2L2 | 65% | 4.0 h | Access to systems |
| Hire, train, and evaluate personnel.First-Line Supervisors of Non-Retail Sales Workers | 0.2% | L2 | L2L2 | 48% | 3.5 h | Accountability, Trust and care, Access to systems |
| Prepare rental or lease agreements, specifying charges and payment procedures for use of machinery, tools, or other items.First-Line Supervisors of Non-Retail Sales Workers · supplemental task | 0.2% | L2 | L2L3 | 75% | 1.3 h | Accountability, Access to systems |
Level: consensus of the two models (the lower level when they disagree). Share: part of the task’s working time an agent could take over. Human time: minutes a competent person needs for one instance, as estimated by the models.
Against other measures
Exposure is not delegation
| Measure | Value | Percentile | Pct |
|---|---|---|---|
| ADI (this index) | 97.0% | 94 | |
| Eloundou et al. (2024), GPT exposure β | 0.577 | 88 | |
| Felten et al. (2021), AI occupational exposure | 1.333 | 96 | |
| Webb (2020), AI patent exposure | 58.632 | 53 | |
| Eisfeldt et al. (2026), generative AI exposure | 0.334 | 70 | |
| Anthropic Economic Index, observed use | 0.193 | 84 |
Earlier indices measure whether AI can touch a task; ADI measures how much of it an agent can carry out from a goal. – : the source does not cover this occupation.
Same sub-major group (33)
Neighbouring occupations
| Occupation | ADI | % |
|---|---|---|
| Accounting associate professionals 3313 | 100.0 | |
| Credit and loans officers 3312 | 98.2 | |
| Statistical, mathematical and related associate professionals 3314 | 97.5 | |
| Medical secretaries 3344 | 96.4 | |
| Office supervisors 3341 | 92.5 | |
| Commercial sales representatives 3322 | 91.8 | |
| Government tax and excise officials 3352 | 91.7 | |
| Business services agents not elsewhere classified 3339 | 91.6 | |
| Securities and finance dealers and brokers 3311 | 91.1 | |
| Legal secretaries 3342 | 90.5 | |
| Buyers 3323 | 89.0 | |
| Administrative and executive secretaries 3343 | 87.5 |
Dashed line: insurance representatives (97.0%).
Cite this record
Text
Espinal Maya, Cristian, and Santiago Jiménez Londoño. 2026. ADI v2026.1: Agent Delegability Index data, code and MCP server. Zenodo. https://doi.org/10.5281/zenodo.23552918. Record: Insurance representatives (ISCO-08 3321), https://balamlabs.org/adi/occupations/3321
BibTeX
@misc{espinal2026adidata,
title = {{ADI} v2026.1: Agent Delegability Index data, code and {MCP} server},
author = {Espinal Maya, Cristian and Jim{\'e}nez Londo{\~n}o, Santiago},
year = {2026},
publisher = {Zenodo},
version = {v2026.1},
doi = {10.5281/zenodo.23552918},
url = {https://doi.org/10.5281/zenodo.23552918},
note = {Record: Insurance representatives (ISCO-08 3321)}
}Machine-readable
The same record as static JSON, with its citation: /adi/v2026.1/isco/3321.json.