Will AI replace Insurance Claims and Policy Processing Clerks?
AI can do 87% of the work Insurance Claims and Policy Processing Clerks do at least twice as fast. People already use it for 4 of their 25 tasks, while 17 more are ready but barely used so far. 4 still need a person.
AI is already doing this4 · 17% of time
People already use AI for these tasks in real work, based on Anthropic's analysis of how Claude is used.
- Process and record new insurance policies and claims.Mostly automated8% of time
- Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes.Mostly automated4% of time
- Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers.Mostly automated3% of time
- Compose business correspondence for supervisors, managers, and professionals.Mostly assisted1% of time
AI could do this next17 · 71% of time
AI can speed these up by at least half, but real use has not caught up yet. These are next in line.
- Prepare insurance claim forms or related documents, and review them for completeness.7% of time
- Enter insurance- and claims-related information into database systems.7% of time
- Contact insured or other involved persons to obtain missing information.6% of time
- Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data.6% of time
- Correspond with insured or agent to obtain information or to inform them of account status or changes.6% of time
- Interview clients and take their calls to provide customer service and obtain information on claims.6% of time
- Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance.6% of time
- Calculate amount of claim.4% of time
- Post or attach information to claim file.4% of time
- Transmit claims for payment or further investigation.4% of time
- Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors.4% of time
- Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts.3% of time
- Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards.3% of time
- Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled.3% of time
- Notify insurance agent and accounting department of policy cancellation.1% of time
- Pay small claims.1% of time
- Obtain computer printout of policy cancellations, or retrieve cancellation cards from file.1% of time
Still needs a person4 · 13% of time
No real AI use, no proven AI speedup and no robot that can do it yet. This is the part of the job to build on.
- Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies.6% of time
- Review insurance policy to determine coverage.4% of time
- Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met.1% of time
- Collect initial premiums and issue receipts.1% of time
Your week is not the average
Describe what you actually do and get a personal report: your own tasks, what AI can already do, what stays yours and a 90 day plan.
What this means
AI can already do almost all of this work at least twice as fast. Real use is still behind at 16 out of 100, so the change here is only getting started. Expect the role to shift toward deciding what to do, checking AI's work and owning the result.
What to do next
- Do the 4 tasks AI is already handling with AI yourself. Your peers already are, and it is quickly becoming the baseline.
- Get ahead on the 17 tasks AI could do next. These move as tools improve, so learning them early pays off.
- Build on the 4 tasks that stay human. This is where your judgment, skill and relationships matter most.
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