Zi Xiang Low is a principal with the Life Practice in Milliman’s Seattle office. He joined the firm in 2011.
Since joining Milliman, Zi Xiang has worked on a large variety of life insurance projects. His experience includes working on actuarial appraisals for M&A transactions across the United States, Southeast Asia and India, as well as assisting clients in the areas of financial reporting, pricing, appointed actuary services, and model validation.
In recent years, Zi Xiang has managed and contributed to projects related to model development for statutory reporting, M&As, and reinsurance transactions with a strong focus on variable annuities, fixed indexed annuities, and structured annuities.
Zi Xiang is a regular speaker on the topic of VM21 at the American Academy of Actuaries’ (AAA) Principle-Based Reserving Boot camp.
Zi Xiang is a strong Integrate® user and has prior experience in using Prophet.
Zi Xiang is currently a member of the AAA’s PBR Implementation subcommittee and Variable Annuity Reserve and Capital working group.
Zi Xiang is fluent in both English and Mandarin.
“Proposed Changes to US GAAP: An impact analysis of proposed targeted improvements,” June 2017.“U.S. GAAP Targeted Improvements for Long Duration Insurance Contracts,” September 2018.“The Withdrawal Delay Cohort under VM21: The case for random sampling,” March 2019.“VM21 Survey Report,” January 2020 / October 2020.“Principle-based Reserving Impact on Fixed Indexed Annuity Pricing,” October 2020.“Fixed Indexed Annuity overview in the U.S. and Japan,” November 2023.“Current state of principle-based reserving for non-variable annuities,” May 2024.
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