Adoption headlines and adoption reality are two different things in insurance, and the gap between them is the interesting part.
Key takeaways
- By 2024, 76% of US insurers had integrated generative AI into operations, and 2026 research found 99% of insurers in the US and Europe had generative AI projects underway. Underwriting sits.
- 18 live listings in this category publish a rate, at a median top-of-range of $80 an hour and a ceiling of $115.
- The work is remote contract work, asynchronous, with no set hours and no guaranteed volume.
- Applications screen on a short skills assessment rather than a resume or interview.
What was reported
The finding
By 2024, 76% of US insurers had integrated generative AI into operations, and 2026 research found 99% of insurers in the US and Europe had generative AI projects underway. Underwriting sits at 73% in terms of AI deployment within insurance operations. However, only 16% currently use AI to augment human underwriting, with 60% of insurers planning to prioritise that between now and 2028.
Three quarters of US insurers had integrated generative AI by 2024, and 2026 research puts 99% with projects underway. Yet only 16% currently use AI to augment human underwriting, with 60% planning to prioritise it by 2028.
What the listings pay
That is not slow adoption, it is deliberate. Underwriting is where the money is committed and where being confidently wrong has a price attached. Firms are happy to let a model draft correspondence and unwilling to let it decide risk, which is why they are buying underwriting judgment to train it properly first.
| # | Role | Advertised rate | Platform |
|---|---|---|---|
| 1 | Infusions Insurance Verification Call Script Writer | $60 to $115 an hour | Mercor |
| 2 | Risk-adjustment / HCC coding leader | $110 to $110 an hour | Elion Health |
| 3 | E&S Insurance Underwriter - AI Trainer | $90 to $110 an hour | Mercor |
| 4 | Insurance Verification & Benefit Manager | $105 to $105 an hour | Elion Health |
| 5 | Insurance Domain Expert | $60 to $100 an hour | Mercor |
| 6 | Finance & Insurance Practice Reviewer | $75 to $90 an hour | Mercor |
| 7 | Complex Claims & Coverage Director | $80 to $80 an hour | Mercor |
| 8 | Compliance & Risk Specialist Talent Network | $60 to $80 an hour | Mercor |
| 9 | AI Insurance Tutor (Full Time) | $30 to $75 an hour | Mercor |
| 10 | Insurance Experts | $50 to $60 an hour | Mercor |
Source: 18 live listings on this board that publish a rate, read directly from each posting on 2026-09-06. Listings without a published rate are excluded rather than estimated.
How this compares across the board
A rate only means something next to the alternatives. This is every category we track with at least five listings publishing a rate, ranked by median top-of-range, so you can see where this work sits rather than taking a single number on trust.
| Category | Listings | Median low | Median top | Highest |
|---|---|---|---|---|
| Legal | 95 | $100 | $140 | $400 |
| Medical | 68 | $77 | $120 | $400 |
| Consulting | 45 | $80 | $120 | $280 |
| Finance | 94 | $80 | $110 | $280 |
| Engineering | 114 | $70 | $100 | $300 |
| Research/PhD | 132 | $70 | $90 | $280 |
| Writing | 36 | $40 | $80 | $280 |
| Bilingual | 78 | $44 | $52 | $120 |
| Annotation | 25 | $12 | $24 | $120 |
Same source and date as above. Categories are matched on listing title, so a role can appear in more than one.
What it means for you
Across 18 live insurance and actuarial listings on our board that publish a rate, the median top-of-range is $80 an hour, reaching $115. Actuarial listings sit at the top because they pair a quantitative credential with the domain. See insurance training roles.
Who should apply
Two checks before you spend time on an application. Confirm the role accepts applicants from your country with the eligibility checker, since a meaningful share of listings carry location requirements. Then run the advertised rate through the take-home calculator, because this is contract work and the headline figure is before self-employment tax.
Applications complete on the hiring platform and usually take a few minutes, with a short skills assessment in place of an interview. Fill in every credential, language and professional background field on your profile. Those are what route you to the better paid listings, and most applicants leave them blank.
Frequently asked questions
How widely is AI used in insurance?
76% of US insurers had integrated generative AI by 2024, and 2026 research found 99% of US and European insurers with projects underway.
Is AI making underwriting decisions?
Rarely so far. Only 16% currently use AI to augment human underwriting, though 60% plan to prioritise it between now and 2028.
What does insurance AI work pay?
Across 18 live insurance and actuarial listings publishing a rate, the median top-of-range is $80 an hour, reaching $115.
Do I need an actuarial qualification?
Only for actuarial listings, which pay most. Underwriting and claims roles ask for practical experience instead.
What does the work involve?
Evaluating model output on policy interpretation, risk, claims and underwriting reasoning, and correcting what would be wrong or non-compliant in practice.
Sources
See every live role
The full board updates several times a week, with the advertised rate on each listing and closed roles removed.