Will AI replace actuaries?

Part of the work, not the whole job. AI could take on about 44% of the working time in a typical actuary job today. The other 56% still needs a person.

Actuary at work

56% of the work still needs a person.

Needs a person: 56%A person checking AI: 20%AI alone: 24%

The bracket under the bar is the evidence range for the share AI could take on: 24 to 44%. One end comes from how well AI did each responsibility in real use, or a second rating where that isn't measured. The other is our figure, which also follows research across the industry.

15 responsibilities in a typical actuary job. Median pay $130,000 a year in the U.S. (BLS, May 2025).

Still needs a person

  • Set premium rates and reserves AI helps
  • Consult for clients on contract AI helps
  • Design insurance and pension plans AI helps
  • Help shape plans for new business AI helps
  • Explain technical matters and set policy AI helps
  • Advise on investment and credit risk AI helps

AI can do or help with

  • Set premium rates and reserves AI helps
  • Consult for clients on contract AI helps
  • Help shape plans for new business AI helps
  • Design insurance and pension plans AI helps
  • Estimate mortality and other life rates AI helps
  • Advise on investment and credit risk AI helps

The biggest responsibilities on each side, ranked by a person's time on the left. "AI helps" means AI takes on part of the work, or most of it with a person checking what it produces, so one can show on both sides. See all 15, with the reason for each and the cost of handing them to AI.

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Questions people ask

Will AI replace actuaries?

Part of the work, not the whole job. AI could take on about 44% of the working time in a typical actuary job today. The other 56% still needs a person. That is a split of the work, not a forecast of jobs lost.

Which parts of the job can AI do?

The biggest ones AI can do or help with: set premium rates and reserves, consult for clients on contract, help shape plans for new business, design insurance and pension plans, estimate mortality and other life rates, advise on investment and credit risk.

Which parts still need a person?

The biggest ones: set premium rates and reserves, consult for clients on contract, design insurance and pension plans, help shape plans for new business, explain technical matters and set policy, advise on investment and credit risk.

How is this measured?

The U.S. Department of Labor lists 15 responsibilities for this job (O*NET 31.0). Each is scored on 4 questions: can AI do it, does it get it right, must a person sign for it, and do people need to deal with a real person. The split is weighted by how much of the job each responsibility takes up. The evidence range for the share AI could take on is 24 to 44%. One end comes from how well AI did each responsibility in real use, or a second rating where that isn't measured. The other is our figure, which also follows research across the industry. Scores version 0.8.8, updated November 13, 2026.

Responsibilities from O*NET 31.0 (U.S. Department of Labor). Pay from the Bureau of Labor Statistics, May 2025. Scores are calibrated to published research and updated every month. How it works.

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