Jobs in finance and insurance have an average Still needs a human score of 63.3 out of 100 (higher is safer), 10.7 points below the average for all jobs of 74.0 and tied for 34th of 37 among the sectors (1st is least exposed). The largest job here is customer service representatives (524,000 workers, 51/100 ↑ safer).
63.3/100↑ safer
26.7%
37.6%
+2.3%
How the work here could shift
The share of workers in this sector whose job would sit in each band, from today to 2060.
Today
1%
of workers in this sector are in jobs that mostly need a person (our top band, Nah.)
0% are in jobs AI could largely do (Largely.)
By 2045
0%
of workers in this sector would still be in jobs that mostly need a person (our top band, Nah.)
95% would be in jobs AI could largely do (Largely.)
By 2060
0%
of workers in this sector would still be in jobs that mostly need a person (our top band, Nah.)
100% would be in jobs AI could largely do (Largely.)
Each job's score moves towards the bottom band (Largely: AI could largely do the job) by the year it could be largely automated, slowly at first and faster later, as adoption usually goes. Each job is run as ten scenarios across its replacement range, so every figure mixes early and late outcomes. The model stops at 2060. How the timeline works
Will AI replace the job?Largely.Mostly.Partly.A little.Nah.
Show the data
| Year | Largely | Mostly | Partly | A little | Nah |
|---|---|---|---|---|---|
| Today (2026) | 0.0% | 0.0% | 26.3% | 72.9% | 0.8% |
| 2030 | 0.0% | 7.8% | 74.5% | 17.5% | 0.3% |
| 2035 | 37.2% | 41.5% | 19.8% | 1.4% | 0.1% |
| 2040 | 75.6% | 21.4% | 2.7% | 0.2% | 0.1% |
| 2045 | 95.1% | 4.5% | 0.2% | 0.1% | 0.1% |
| 2050 | 98.2% | 1.6% | 0.0% | 0.1% | 0.1% |
| 2055 | 99.7% | 0.1% | 0.0% | 0.1% | 0.1% |
| 2060 | 99.8% | 0.0% | 0.0% | 0.1% | 0.1% |
The largest jobs in finance and insurance
| # | Job | Still needs a human | Evidence | Could be largely automated | Workers in the sector |
|---|---|---|---|---|---|
| 1 | Customer Service Representatives | 51↑ saferAI replace? Partly. | D | 2034–2041 | 523,800 |
| 2 | Insurance Sales Agents | 64↑ saferAI replace? A little. | D | 2035–2046 | 490,500 |
| 3 | Securities, Commodities, and Financial Services Sales Agents | 58↑ saferAI replace? Partly. | D | 2034–2043 | 472,600 |
| 4 | Tellers | 70↑ saferAI replace? A little. | D | 2036–2058 | 331,300 |
| 5 | Claims Adjusters, Examiners, and Investigators | 67↑ saferAI replace? A little. | D | 2035–2048 | 286,600 |
| 6 | Financial Managers | 67↑ saferAI replace? A little.workers of 3 related jobs | D | 2036–2048 | 282,201 |
| 7 | Personal Financial Advisors | 59↑ saferAI replace? Partly. | D | 2035–2044 | 251,800 |
| 8 | Loan Officers | 63↑ saferAI replace? A little. | D | 2035–2046 | 235,200 |
| 9 | General and Operations Managers | 72↑ saferAI replace? A little. | D | 2036–2051 | 215,100 |
| 10 | Insurance Claims and Policy Processing Clerks | 58↑ saferAI replace? Partly. | D | 2035–2045 | 194,400 |
Common jobs here that AI can do most of
| # | Job | Still needs a human | Evidence | Could be largely automated | Workers in the sector |
|---|---|---|---|---|---|
| 1 | Customer Service Representatives | 51↑ saferAI replace? Partly. | D | 2034–2041 | 523,800 |
| 2 | Market Research Analysts and Marketing Specialists | 54↑ saferAI replace? Partly.workers of 2 related jobs | D | 2034–2042 | 92,300 |
| 3 | Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel | 54↑ saferAI replace? Partly. | D | 2034–2042 | 22,300 |
| 4 | Medical Records Specialists | 56↑ saferAI replace? Partly. | D | 2039–2049 | 7,400 |
| 5 | Web and Digital Interface Designers | 57↑ saferAI replace? Partly.workers of 2 related jobs | D | 2033–2042 | 8,000 |
| 6 | Database Administrators | 58↑ saferAI replace? Partly. | D | 2033–2042 | 9,000 |
| 7 | Securities, Commodities, and Financial Services Sales Agents | 58↑ saferAI replace? Partly. | D | 2034–2043 | 472,600 |
| 8 | Software Quality Assurance Analysts and Testers | 58↑ saferAI replace? Partly. | D | 2033–2042 | 24,800 |
| 9 | Insurance Claims and Policy Processing Clerks | 58↑ saferAI replace? Partly. | D | 2035–2045 | 194,400 |
| 10 | Database Architects | 58↑ saferAI replace? Partly.workers of 2 related jobs | D | 2033–2042 | 10,500 |
Common jobs here that most need a human
| # | Job | Still needs a human | Evidence | Could be largely automated | Workers in the sector |
|---|---|---|---|---|---|
| 1 | Maintenance and Repair Workers, General | 83↑ saferAI replace? Nah. | D | 2046–2060+ | 9,800 |
| 2 | Registered Nurses | 80↑ saferAI replace? Nah.workers of 5 related jobs | D | 2042–2060+ | 68,500 |
| 3 | Chief Executives | 75↑ saferAI replace? A little.workers of 2 related jobs | D | 2036–2051 | 18,200 |
| 4 | Pharmacy Technicians | 74↑ saferAI replace? A little. | D | 2041–2060+ | 7,400 |
| 5 | Healthcare Social Workers | 74↑ saferAI replace? A little. | D | 2036–2051 | 7,800 |
| 6 | Financial Examiners | 73↑ saferAI replace? A little. | D | 2036–2050 | 47,800 |
| 7 | General and Operations Managers | 72↑ saferAI replace? A little. | D | 2036–2051 | 215,100 |
| 8 | Sales Managers | 72↑ saferAI replace? A little. | D | 2036–2050 | 65,800 |
| 9 | Administrative Services Managers | 72↑ saferAI replace? A little. | D | 2036–2051 | 25,700 |
| 10 | Lawyers | 72↑ saferAI replace? A little. | D | 2036–2049 | 38,500 |
Related sectors: Banking, Insurance
How this is worked out
- The average weights every job's Still needs a human score by how many people do it in this sector, from the Bureau of Labor Statistics' industry employment data. Jobs cover 98.9% of the sector's employment.
- Job scores are national: an accountant in retail scores the same as an accountant anywhere. The sector figure reflects its mix of jobs, not how its employers use AI; the Census figure shows that.