AI Humanizer Benchmark
← October 2026 prompts

Cover letter

Application essay · 245 words · prompt cover_letter

2
passed at least 6 detectors
11
failed at least one detector
11
tools tested on this prompt
Copyleaks
strictest detector here, flagged 10 of 11 rewrites

Input text

Written by GPT-5.6 Luna for this cycle. Every tool below received this exact text.

Dear Hiring Manager, I am writing to express my interest in the Actuarial Analyst position at [Company Name]. With [X] years of experience in actuarial analysis, risk assessment, and financial modeling, I have developed a strong ability to translate complex data into clear, actionable insights that support sound business decisions. In my current role at [Current Company], I analyze loss…Show full input (245 words)
Dear Hiring Manager, I am writing to express my interest in the Actuarial Analyst position at [Company Name]. With [X] years of experience in actuarial analysis, risk assessment, and financial modeling, I have developed a strong ability to translate complex data into clear, actionable insights that support sound business decisions. In my current role at [Current Company], I analyze loss trends, develop and validate pricing models, prepare experience studies, and support reserving and forecasting activities. I regularly use Excel, SQL, and [R/Python/Actuarial software] to improve analytical efficiency and ensure accurate, well-documented results. I have also partnered closely with underwriting, finance, claims, and senior leadership teams, strengthening my ability to communicate technical findings to both actuarial and non-technical audiences. Throughout my career, I have focused on delivering reliable analysis while identifying opportunities to improve processes. For example, I [briefly describe a measurable achievement, such as automating a recurring report, improving model accuracy, or reducing turnaround time]. This experience has reinforced the importance of combining technical rigor with practical business judgment. I am particularly drawn to [Company Name] because of its reputation for [specific quality, such as innovation, disciplined risk management, or client-focused solutions]. I would welcome the opportunity to contribute my analytical expertise, professional experience, and commitment to continuous improvement to your actuarial team. Thank you for considering my application. I would appreciate the opportunity to discuss how my background and skills align with your needs. I look forward to hearing from you. Sincerely, [Your Name]

How to read these scores

Each detector's result is converted to a human-likelihood score between 0 and 1. A score of 0 means the detector is sure the text is AI. A score of 1 means it is sure the text is human. Dots are green at 0.50 or above and red below. Hover a dot to see its exact score. The 0.50 cut-off only sets the dot colors. A tool's bypass rate on the leaderboard takes the median of the 7 detector scores for each test, then averages those medians. That gives a continuous number, so it will not match the share of green dots. The same goes for each per-detector rate. It is the average of that detector's scores (the number detector pages rank by), not a count of green dots.

Humanized outputs

Tools that passed more detectors come first. Ties are broken by overall rank this cycle. Each card shows the 7 detector scores, then the tool's rewrite.

UndetectedGPTRank #1 this cycle
6/7 detectors passed
GPTZero
0.00caught
Winston AI
1.00passed
Originality.ai
1.00passed
ZeroGPT
0.90passed
Grammarly
1.00passed
QuillBot
0.67passed
Copyleaks
1.00passed
Median
1.00
Meaning
95.5
Readability
72.0
Words
1.11× 245 → 271
Show output (271 words)
Dear Hiring Manager, I'd like to let you know of my interest in the Actuarial Analyst role at [Company Name]. Over [X] years, I've done actuarial analysis, financial modeling and risk assessment. In that time, I've come to appreciate my ability to take complex data and draw meaningful, useful insights from it to support sound business decisions. Currently, at [Current Company], I produce experience studies, develop and test pricing models, look at trends in losses and assist with forecasting and reserving. Often, I use [R/Python/Actuarial software], Excel and SQL to produce well-documented, accurate results from my analysis. And I regularly work with teams in claims, underwriting, finance and senior management. Through this, I've learned to present my findings to both technical and non-technical audiences. Over the years, I've tried to bring value through sound analysis and, where possible, process improvement. For example, I [here you could mention something you did, e.g. automated a regular report, improved accuracy of a model, or cut down the time taken to produce something]. Through my work I've realized that good technical work needs to be backed by good judgment about its value to a business. What I admire about [Company Name] is [here could be e.g. its focus on client service, its strong risk management or its innovation]. I'd be interested in bringing my experience of analytical work, my professional background and my desire to keep improving processes to your actuarial team. I hope you might consider my application. If so, I'd be happy to talk about my experience and whether it could add value to yours. Hope to hear from you. Sincerely, [Your Name]
GPTinfRank #3 this cycle
6/7 detectors passed
GPTZero
0.92passed
Winston AI
1.00passed
Originality.ai
1.00passed
ZeroGPT
0.68passed
Grammarly
1.00passed
QuillBot
0.66passed
Copyleaks
0.00caught
Median
0.92
Meaning
92.7
Readability
72.0
Words
1.07× 245 → 262
Show output (262 words)
Dear Hiring Manager, I am writing in regards to the available Actuarial Analyst role at [Company Name]. Having [X] years of professional experience in analyzing data, assessing risks and creating financial models I have gained good ability to derive valuable insights out of any data set and support decision making process with reliable facts and figures. Currently working for [Current Company], I perform loss trend analysis, create and validate pricing models, do experience studies, and perform reserving and forecasting tasks. In my work, I employ the use of Excel, SQL and [R/Python/Actuarial software] to optimize my analytical efforts and make sure that the information provided is not only reliable but also well-documented. Also, I collaborate closely with underwriting, finance, claims and senior management teams, enhancing my skills to explain technical analysis results to different groups of recipients. So far, the key aspects I pay my attention to when performing actuarial analyses are reliability of results and process improvement. For instance, [mention one of your achievements, e.g. automation of recurrent reporting task, increase in model accuracy, etc.]. All that made me understand the significance of combining the technical knowledge and business sense. I was particularly impressed by [Company Name]'s reputation as a company that is known for [choose the quality, e.g. innovative solutions, disciplined approach to risk management, customer-centric approach, etc.]. It would be great to become a part of your analytical team and bring my experience to it. Thank you for considering my application. I would be very glad to speak about my potential contribution to your company. Best regards, [Your Name]
HIX BypassRank #2 this cycle
5/7 detectors passed
GPTZero
0.00caught
Winston AI
1.00passed
Originality.ai
1.00passed
ZeroGPT
0.72passed
Grammarly
0.70passed
QuillBot
0.62passed
Copyleaks
0.00caught
Median
0.70
Meaning
96.1
Readability
62.0
Words
1.10× 245 → 269
Show output (269 words)
Dear Hiring Manager, This letter is to express my interest in the position of Actuarial Analyst at [Company Name]. As we grow our team, and my background is in [describe your experience working as an actuary], I know that having required actuarial analysis experience or the ability to assess risk management will allow me to break down some complex datasets into straightforward written reports. As [Current Job Title] at [Current Company], I analyze loss trends, design and validate pricing models, prepare experience studies, and assist reservations and forecasting efforts. I build models in Excel, SQL, and [R | Python | Actuarial software] that are efficient as well as properly documented and validated. In addition, I worked closely with underwriting, finance, claims and senior leadership teams building my skills in communicating complex technical results to actuarial and non-actuarial audiences. Career so far is all about providing dependable insights and finding ways of working better. E.g., I [accomplished a metric, e.g. automated weekly cumbersome report, model trained better-expected accuracy in less time] This experience has cemented the need to balance technical rigour against real world business acumen. I am especially excited about the prospect of joining [Company Name] because of its storied reputation for the [insert specific quality, such as innovation/discipline/place in the market]. I would love to leverage my analytical skills, professional experience and drive for learning as a member of your actuarial team. Thank you for considering my application. I would love to chat with you about how I might meet your needs with my background and experience. Looking forward to but getting back from you. Sincerely, [Your Name]
AI HumanizeRank #5 this cycle
5/7 detectors passed
GPTZero
0.98passed
Winston AI
0.65passed
Originality.ai
1.00passed
ZeroGPT
0.44caught
Grammarly
1.00passed
QuillBot
0.76passed
Copyleaks
0.00caught
Median
0.76
Meaning
88.9
Readability
62.0
Words
1.04× 245 → 254
Show output (254 words)
Dear Hiring Committee, Through this letter, I would like to share my available interest in the position of Actuarial Analyst at [Company Name]. Having [X] years of working experience in the field of actuarial analysis, risk assessment, and financial modeling, I have gained the skills necessary to translate complex data into meaningful insights that can results in effective business decisions. In the organization where I currently work in [Current Company], I am involved in analyzing loss trends, creating/update pricing models, running experience studies, and providing support to reserving and forecasting operations. I'm using Excel, SQL and other software like [R/Python/Actuarial software] to ensure efficiency of the analysis and getting solid results. To positively influence my work, I work with such departments as underwriting, financing and claims departments. During my career path, I have always put emphasis on quality analysis while finding ways for improvement of processes. For instance, I [find a measurable achievement like creation of automated report, gain better accuracy of the model, shorten the lead time, etc.]. This experience helped me to get an idea how important is to link data processing with practical business purposes. The company of my choice is [Company Name] due to its successful reputation for [special feature, like innovation, focused approach to risk management, or client-oriented solutions]. Thus, I am eager to use my knowledge and experiences to the benefit of your actuary team. I am grateful to you for your consideration and would be happy to discuss my background and qualifications in detail during the interview.
SuperHumanizerRank #6 this cycle
4/7 detectors passed
GPTZero
0.99passed
Winston AI
1.00passed
Originality.ai
1.00passed
ZeroGPT
0.29caught
Grammarly
0.77passed
QuillBot
0.12caught
Copyleaks
0.00caught
Median
0.77
Meaning
94.9
Readability
72.0
Words
1.09× 245 → 267
Show output (267 words)
## Dear Hiring Manager, Dear [ Hiring Manager], I am very excited to be applying for the position of Actuarial Analyst with [name of company]. I have [X] years' experience as an Actuarial Analyst and a background in risk assessment and financial modeling, allowing me to make complex data understandable and provide useful analysis. In my current position at [Current Company], I review loss experience, create and calibrate pricing models, produce experience studies, as well as assist with reserving and forecasting. I have used Excel, SQL, and [R/Python/Actuarial software] to enhance the speed and accuracy of my analysis and to produce well-documented, user-friendly results. I've worked with underwriting, finance, claims, and executive management, so I am able to clearly communicate my technical results to a non-technical audience. I have always placed an emphasis on providing accurate, robust analysis, and actively identifying ways in which processes can be optimized. For instance, I [briefly mention a measurable success, such as automating a periodic report, improving the accuracy of a model, reducing turnaround time, etc.]. This has taught me how crucial it is to marry technical rigor with sound business instincts. I am especially interested in joining [Company Name] as I understand that [Company's Name] is [specific (e.g. Innovative, risk aware, customer oriented]. I would be pleased to provide your actuarial team with my analytical ability, work experience and drive for continuous quality improvement. Thank you for your interest in my profile. I would love to hear from you in order to understand better how I can be of help. Hope to meet you soon. ## Sincerely, ## [Your Name]
WriteHumanRank #7 this cycle
3/7 detectors passed
GPTZero
1.00passed
Winston AI
0.31caught
Originality.ai
1.00passed
ZeroGPT
0.51passed
Grammarly
0.24caught
QuillBot
0.00caught
Copyleaks
0.00caught
Median
0.31
Meaning
93.7
Readability
72.0
Words
0.85× 245 → 209
Show output (209 words)
Dear Hiring Manager, I am excited to apply to the Actuarial Analyst position at [Company Name]. Having spent [X] years in actuarial roles, I can effectively evaluate financial risk and offer insightful recommendations based on my findings. I value identifying and communicating actionable information to help make informed business decisions. In my current role at [Current Company], I study loss patterns to help create and validate pricing models. I also complete experience and reserving studies and assist with forecasting. I am proficient with MS Excel, basic SQL, and R/Python. I maintain a membership with the [ACTUARIAL SOCIETY] and currently working towards becoming a [Fellow/Associate of the Society]. I have always prided myself on delivering the best analysis and bringing innovative ideas on process enhancements to the teams I work with. During my time at [Current Company], I was able to enhance an actuarial model that calculated future financial obligations and reduce the run-time from 2 days to 30 minutes. I value the commitment [Company Name] has to [specific quality], and I feel my experience and goals are best aligned to your company values. I appreciate the opportunity to apply to the Actuarial Analyst position, and I look forward to discussing my application with you further. Best Regards, [Your Name]
SmartHumanizerRank #4 this cycle
2/7 detectors passed
GPTZero
0.00caught
Winston AI
0.77passed
Originality.ai
0.93passed
ZeroGPT
0.07caught
Grammarly
0.49caught
QuillBot
0.37caught
Copyleaks
0.00caught
Median
0.37
Meaning
96.4
Readability
78.0
Words
1.13× 245 → 277
Show output (277 words)
Dear Hiring Manager, I am pleased to apply for the Actuarial Analyst position at [Company Name]. With [X] years of experience in actuarial analysis, risk assessment and financial modeling, I have developed strong abilities to convert complex data into clear, actionable information that supports sound business decisions. In my current position at [Current Company], I analyze trends in losses, develop and validate pricing models, prepare experience studies and support activities related to reserving and forecasting. My use of Excel, SQL and [R/Python/actuarial software] has increased my efficiency and enabled production of complete, well-documented results. Plus, my close collaboration with staff in underwriting, finance, claims and senior management has further strengthened my ability to communicate technical results effectively to both actuarial and non-technical audiences. Throughout my career, I have emphasized delivery of reliable results and identification of opportunities for improvement. For example, I [briefly describe a quantifiable achievement such as automation of a routine report, improvement in model accuracy or reduction in time to complete a task]. This experience has again confirmed the importance of integrating technical excellence with practical experience in business operations. My interest in [Company Name] is based on its record of [specific attribute such as innovation, disciplined risk management or client-oriented solutions]. I would be very pleased to have the opportunity to apply my experience in actuarial analysis, my record of professional achievement and my commitment to continuing improvement to the actuarial staff of [Company Name]. Thank you for consideration of my application. I would appreciate the opportunity to discuss the degree to which my experience and qualifications will meet the needs of your organization. I look forward to your response. Sincerely, [Your Name]
StealthGPTRank #9 this cycle
1/7 detectors passed
GPTZero
0.00caught
Winston AI
0.00caught
Originality.ai
0.00caught
ZeroGPT
0.00caught
Grammarly
0.60passed
QuillBot
0.00caught
Copyleaks
0.00caught
Median
0.00
Meaning
93.3
Readability
72.0
Words
0.64× 245 → 156
Show output (156 words)
Dear Hiring Manager, I am applying for the Actuarial Analyst role at [Company Name]. I bring [X] years of experience working as an actuarial analyst, where I have gained extensive experience analyzing losses, building and validating pricing models, preparing experience studies, and supporting reserving and forecasting. I use Excel, SQL, and [R/Python/Actuarial Software] to help me work more efficiently and produce high-quality work. I have worked with various groups, including underwriting, finance, claims, and senior leadership, which has given me experience presenting to technical and non-technical audiences. I pride myself on my ability to deliver reliable analysis while seeking ways to optimize my work processes. One way I have achieved this was by [insert brief accomplishment, e.g., automating a manual process, building a new model, reducing turnaround time by X days, etc.]. I believe this is a great opportunity for me to contribute my skills and experience to the [Company Name] actuarial team. Sincerely, [Your Name]
CleverHumanizerRank #8 this cycle
0/7 detectors passed
GPTZero
0.00caught
Winston AI
0.00caught
Originality.ai
0.00caught
ZeroGPT
0.01caught
Grammarly
0.00caught
QuillBot
0.00caught
Copyleaks
0.00caught
Median
0.00
Meaning
94.9
Readability
78.0
Words
1.14× 245 → 280
Show output (280 words)
Dear Hiring Manager, I am writing to you concerning the vacancy for the Actuarial Analyst position at [Company Name]. I am interested in this job opportunity because I have been working in the actuarial field for [X] years, during which I have gained extensive experience with actuarial analysis, risk management, and financial modeling. Currently, at [Current Company], I perform loss analyses, develop pricing models, conduct experience studies, and support reserving and forecasting efforts for [some insurance/product line]. In this position, I have improved my knowledge of Excel, SQL, and [R/Python/Actuarial software], mastering the art of transforming raw data into information and presenting it in a compelling way that drives informed business decisions. In addition, I have had the opportunity to work closely with underwriting, finance, claims, and senior managers, learning how to shape complex actuarial narratives for diverse audiences. As an experienced actuary, I pride myself on my ability to provide trusted advice and identify ways to improve processes and add value to the organization. For instance, [briefly describe a relevant accomplishment, e.g., ‘I automated a repetitive reporting process, saving 20+ hours per quarter’ or ‘I improved the accuracy of our predictive models by 15%’]. Therefore, I would like to bring my skill set and dedication to [Company Name]’s actuarial team. Your company caught my eye with [mention a particular strength, such as its innovative approach, excellent risk management practices, or client-centric philosophy]. I believe that my work background and personal values could be a good match for your needs. I would be honored to contribute to [Company Name]’s success and continuously upgrade my actuarial expertise within your team. Thank you for your time and consideration. Best regards, [Your Name]
ReHumanizeRank #10 this cycle
0/7 detectors passed
GPTZero
0.00caught
Winston AI
0.00caught
Originality.ai
0.00caught
ZeroGPT
0.21caught
Grammarly
0.27caught
QuillBot
0.00caught
Copyleaks
0.00caught
Median
0.00
Meaning
89.9
Readability
78.0
Words
1.05× 245 → 258
Show output (258 words)
I'm writing to apply for the Actuarial Analyst job at [Company Name]. I have [X] years of experience in actuarial work, looking at risks, and building financial models. I'm good at taking complicated information and making it easy to understand so businesses can make smart choices. At my current job with [Current Company], I look at how losses are trending, create and check pricing models, do experience studies, and help with setting aside money for future claims and predicting costs. I use Excel, SQL, and [R/Python/Actuarial software] a lot to work faster and make sure my work is accurate and well-recorded. I also work closely with people in underwriting, finance, claims, and management, which has made me better at explaining technical stuff to everyone, whether they're actuaries or not. Over the years, I've made sure my analysis is dependable and looked for ways to make things work better. For instance, I [briefly describe a measurable achievement, such as automating a recurring report, improving model accuracy, or reducing turnaround time]. This showed me how important it is to be technically sound but also understand how the business actually works. I'm interested in [Company Name] because you're known for [specific quality, such as innovation, disciplined risk management, or client-focused solutions]. I'd like to bring my skills in analysis, my work experience, and my drive to get better to your actuarial team. Thanks for looking at my application. I'd like the chance to talk about how my background and skills fit what you're looking for. I hope to hear from you.
Undetectable AIRank #11 this cycle
0/7 detectors passed
GPTZero
0.00caught
Winston AI
0.00caught
Originality.ai
0.00caught
ZeroGPT
0.22caught
Grammarly
0.00caught
QuillBot
0.00caught
Copyleaks
0.00caught
Median
0.00
Meaning
94.4
Readability
72.0
Words
1.35× 245 → 331
Show output (331 words)
Dear Hiring Manager, I'm excited to apply for the Actuarial Analyst role at [Company Name]. Over the past [X] years, I've built a solid background in analyzing data, assessing risks, and creating financial models. This experience has taught me how to take complicated information and turn it into straightforward, useful advice that helps businesses make smart choices. I work at [Current Company] where I study trends to see where we're losing money. I also create and test pricing models, do experience studies, and help with saving and forecasting. To get my work done, I use tools like Excel, SQL, and special actuarial software to make sure my results are accurate and easy to understand. I've worked closely with different teams like underwriting, finance, and claims, which has helped me learn how to explain complex ideas to people who aren't experts in my field. This has been really helpful in communicating with our senior leaders and other teams. I've always tried to provide solid analysis and find ways to make things better. For instance, I once automated a report that used to take a lot of time, which really improved our efficiency. This experience taught me that it's crucial to balance technical skills with real-world business sense. By doing so, I've been able to deliver results that make a tangible impact. Whether it's improving model accuracy or reducing turnaround time, I've learned to focus on what really matters - making processes better and more reliable. I'm really interested in [Company Name] because of its great reputation for things like innovation and taking careful risks. I think my analytical skills, work experience, and desire to always improve would be a great fit for your actuarial team, and I'd love the chance to join and contribute. I'm excited about the chance to talk to you more about how my experience and skills match what you're looking for. I'm really hoping to hear from you soon and learn more about your team. Sincerely, [Your Name]

Personal statement