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From claims adjuster to insurance underwriter

A career change with AI in view: what carries over, what to build, and how AI is changing both jobs.

Can a claims adjuster become an insurance underwriter?

It is a move the US Department of Labor's occupational database recognizes: O*NET lists insurance underwriters as one of the five occupations it rates most closely related to claims adjusters, examiners and investigators, from what people in both jobs do, know and are called. Of the skills the new job rates important, you already work at or above its level in reading comprehension, active listening and writing. O*NET rates none of its important skills half a level or more above yours; the gap is in the knowledge and tasks of the job. BLS says insurance underwriters typically need a bachelor's degree to enter.

Both jobs, side by sideYour skills, comparedStart free: lesson 1

Both jobs, side by side

Published measures only, each from its own source. We do not blend them into a score.

MeasureClaims adjusterInsurance underwriter
Jobs outlook, 2025 to 2035down 5.5%down 3.8%
Openings a year20,9006,800
Median pay, 2025$78,000$81,370
Typical education to enterHigh school diploma or equivalentBachelor's degree
Experience in a related jobNoneNone
On-the-job trainingLong-term on-the-job trainingModerate-term on-the-job training
How people use AI on this work59% working with AI, 41% handing tasks over45% working with AI, 55% handing tasks over
How much of the work AI can assist (0 to 1)0.210.16

What these do not mean: the outlook, pay, education and training are the US Bureau of Labor Statistics' ten year projection and worker characteristics, revised every year, and say nothing about any one employer or person. How people use AI comes from Anthropic's Economic Index and describes people who already use one AI assistant. Microsoft Research rates how much AI can assist the work; “Our metrics should not be misconstrued or misrepresented as measuring the ability of AI to replace jobs.”

What you bring

Skills the new job rates important where O*NET rates your current job at or above the level it needs.

  • Reading Comprehension

    Understanding written sentences and paragraphs in work-related documents.

    O*NET level in your job 4.5, needed in the new job 3.8 (of 7); importance there 3.8 (of 5).

  • Active Listening

    Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

    O*NET level in your job 4.3, needed in the new job 4.0 (of 7); importance there 3.8 (of 5).

  • Writing

    Communicating effectively in writing as appropriate for the needs of the audience.

    O*NET level in your job 3.9, needed in the new job 3.8 (of 7); importance there 3.8 (of 5).

  • Critical Thinking

    Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.

    O*NET level in your job 4.3, needed in the new job 3.9 (of 7); importance there 3.8 (of 5).

  • Speaking

    Talking to others to convey information effectively.

    O*NET level in your job 4.0, needed in the new job 3.6 (of 7); importance there 3.6 (of 5).

What to build

Skills the new job rates important and needs at a level 0.5 or more higher than your current job (on O*NET's scale of 0 to 7), biggest step first.

O*NET rates none of the new job's important skills that far above your current job. The gap is in what the job knows and does, below.

What to learn first for the move

The first AI skills for the new job, in order. Each is taught in GAGE's AI literacy program, Certified AI Practitioner: Workplace Foundations.

  1. 1.Read a risk model's output as an opinion to check, not a verdict

    Taught in Module 5, Critical Thinking and Context Engineering; Module 7, Advanced AI Literacy

  2. 2.Check AI assisted risk decisions for bias against groups of applicants

    Taught in Module 3, Ethical and Responsible AI and Operational Governance

  3. 3.Know which decisions law and your company require a person to make

    Taught in Module 3, Ethical and Responsible AI and Operational Governance; Module 5, Critical Thinking and Context Engineering

Start free: lesson 1See the whole program
Direct it. Catch it. Prove it. (56 s)

Show a new employer you can do it

Changing careers means proving yourself to someone who has not seen your work. At GAGE you explain each idea back in your own words and it is graded against the lesson, so your record shows what you understood. An employer can check it with one link.

Other moves from claims adjuster

Other ways into insurance underwriter

Going the other way? From insurance underwriter to claims adjuster.

Questions

Can a claims adjuster become an insurance underwriter?
It is a move the US Department of Labor's occupational database recognizes: O*NET lists insurance underwriters as one of the five occupations it rates most closely related to claims adjusters, examiners and investigators, from what people in both jobs do, know and are called. Of the skills the new job rates important, you already work at or above its level in reading comprehension, active listening and writing. O*NET rates none of its important skills half a level or more above yours; the gap is in the knowledge and tasks of the job. BLS says insurance underwriters typically need a bachelor's degree to enter.
Is an insurance underwriter safer from AI than a claims adjuster?
No published measure ranks jobs by safety, and we do not blend the measures into one. Through 2035, BLS projects insurance underwriters to shrink 3.8 percent, and claims adjusters, examiners and investigators to shrink 5.5 percent. On how much of the work AI can assist, Microsoft Research rates insurance underwriter 0.16 and claims adjuster 0.21 out of 1, which its authors say is not a measure of job loss. In both jobs, the person who can direct AI and check its work is the one a team keeps.
What should I learn first to move from claims adjuster to insurance underwriter?
Read a risk model's output as an opinion to check, not a verdict; Check AI assisted risk decisions for bias against groups of applicants; Know which decisions law and your company require a person to make. Those are the first AI skills for the new job, and GAGE teaches each of them in its AI literacy program. The first lesson is free.

How this move was chosen, and sources

O*NET lists insurance underwriters as one of the five occupations it rates most closely related to claims adjusters, examiners and investigators (number 4 in its order). We publish a move only when O*NET places it among the ten most related and both jobs have a page here, and we keep O*NET's order. A skill is compared when the new job rates it 3 or more for importance (of 5); it is a step up at a level 0.5 or more higher (of 7); it carries over when your current job is rated at or above the level needed. Ratings O*NET marks as low precision are left out.

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