Joshua Ho

Consulting Actuary

Hong Kong, CN

Joshua Ho is a consulting actuary in Milliman’s Life Insurance Consulting Practice in Hong Kong. He joined the firm in 2022.

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Experience

Joshua's experience includes the following:

Assisting in embedded value review and performing checking for a multinational insurer in Hong Kong
Demonstrating experience in prophet modeling on conventional, unit-linked, and asset liability strategy (ALS) library
Developing IUL internal ALS modeling for a Swiss-based international insurer, and supporting real-world basis development on an ALS model for a Hong Kong insurer

Prior to joining Milliman, Joshua worked in Deloitte Hong Kong for three years, gaining experience on multiple modeling and IFRS 17 implementation projects.

Supporting a prophet model centralization project and demonstrating experience in utilizing the Conventional and Unit Linked prophet library for three different LBUs
Vetting multiple dividend mechanism models and providing recommendations for a major Canadian-based insurer
Working on various ALS prophet models and serving for three different major insurers
Conducting full ALS model validation, reviewing investment strategies alternatives, and providing recommendations
Building asset share projection, dividend mechanism, dynamic SAA, and automated out-of-model adjustments to an ALS model for a major Hong Kong-based insurer; leading a team on credit modeling implementation
Implementing IFRS 17 changes to an ALS model for two LBUs for one of the leading insurers in Asia and conducting relative trainings and impact analyses
Participating in implementing IFRS 17 logic to both deterministic and ALS models for a British multinational insurer; also supporting the design and modeling of their business planning process

Professional Designations

Student, Society of Actuaries

Education

Bachelor of Business Administration in Insurance, Financial and Actuarial Analysis, Chinese University of Hong Kong

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Publications

Read their latest work

Article

Indexed product: Product and hedging considerations

06 February 2026 - by Julian Man, Reggie Xu, Clement Bonnet, Joshua Ho, Jaden Chiu

With indexed products such as IUL and FIA continuing to gain traction across Asia, insurers face a rapidly evolving set of investment and hedging challenges.

Article

2024 IFRS 17 disclosure report: Asia

17 September 2025 - by Julian Man, Chong Wen Ang, Clement Bonnet, Yu Wei Lim, Linda Jin, Valensis Justiani, Joshua Ho, Yao Hui Tan

IFRS 17 in Asia: We examined disclosures from year-end 2024 from select global and domestic insurance companies with substantial operations in the region.

Article

Hong Kong: Indexed universal life and its key considerations

13 January 2025 - by Clement Bonnet, Julian Man, Joshua Ho

While indexed universal life policies can offer significant benefits to customers and insurers, the development of a product requires careful considerations.

Article

Rising medical costs in Asia: Challenges and strategies for insurers

19 December 2024 - by Clement Bonnet, Farzana Ismail, Wen Yee Lee, Erica Chan, Pingni Eng, Shir Lynn Ong, Junaidi Amin, Joshua Ho

We surveyed life and health insurers across Asia to understand the impact of high medical inflation across the region.

Article

2023 IFRS 17 Disclosure Report: Asia

11 September 2024 - by Clement Bonnet, Julian Man, Linda Jin, Joshua Ho, Chong Wen Ang, Yu Wei Lim

We summarize the key findings from a comparative analysis of the effect of IFRS 17 on some Asian markets.

Joshua Ho

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Experience

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Read their latest work

Indexed product: Product and hedging considerations

2024 IFRS 17 disclosure report: Asia

Hong Kong: Indexed universal life and its key considerations

Rising medical costs in Asia: Challenges and strategies for insurers

2023 IFRS 17 Disclosure Report: Asia

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Joshua Ho

Experience

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