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Zi Xiang Low, FSA, FIA, MAAA

Seattle, WA, US

Tel: +1 206 5045525

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Professional Designations

  • Fellow, Society of Actuaries
  • Fellow, Institute and Faculty of Actuaries
  • Member, American Academy of Actuaries


  • First Class Honours Degree in Bachelor of Commerce, Actuarial Studies, University of Melbourne, 2010

Current Responsibility

Zi Xiang Low is an actuary based in Milliman’s Seattle office. He joined the firm as part of Singapore’s life insurance consulting practice in 2011 before transferring to the Seattle practice in 2015.


Since joining Milliman, Zi Xiang has worked on a large variety of life insurance projects. His experience includes carrying out actuarial appraisals valuations for numerous M&A transactions across South-East Asia and India where he reviewed and set up actuarial models for the purposes of traditional embedded value (“TEV”) and market consistent embedded value (“MCEV”) reporting. He also has extensive experience in supporting appointed actuary services and in conducting market entry research.

In recent years, Zi Xiang has assisted clients in model development for U.S. GAAP and statutory reporting, model validation, and model conversion with a focus on variable annuities and fixed indexed annuities.

His papers on U.S. GAAP Targeted Improvements were selected as study notes for the SOA exam syllabus.

Zi Xiang is a strong MG-ALFA® user and has prior experience in using Prophet.

Zi Xiang is currently a member of the Institute and Faculty of Actuaries' Research Review Pool.

Research Papers

  • “U.S. GAAP Targeted Improvements for Long Duration Insurance Contracts,” Sept 2018.
  • “Proposed Changes to U.S. GAAP: An impact analysis of proposed targeted improvements,” June 2017.
  • Work at Milliman

    • “I was offered a chance to come in, shake things up, create something."
    Work at Milliman