Zora W. Law

FCAS, MAAA, FIA

Senior Actuary

Pasadena, CA, US

Zora Law is a senior actuary with the Los Angeles office of Milliman. She joined the firm in 2023.

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Experience

Zora has extensive reserving and analytical capabilities and specializes in serving technology and sharing economy clients, as well as commercial and personal lines. She provides deep-dive studies into loss drivers, trends and developments, and scenario and sensitivity testing. She also specializes in risk management, reserve variability study, financial reporting, claim analytics, large loss report, and captive utilization analysis.

Zora also has considerable experience in medical professional liability and other property and casualty lines of business, with diverse knowledge that encompasses the perspectives of insurance carriers, captives, and self-insured programs.

Zora is an insurance expert with two decades of industry experience. She has worked for a Big 4 audit firm, regional, national, and international insurance companies, and in small insurance settings, such as risk retention groups. She has an international background, having worked in Ireland for six years before moving to the United States in 2011. Prior to joining Milliman in 2023, Zora was the actuarial reserving lead at DoorDash, establishing the actuarial function for Risk and Insurance from scratch in 2021.

Publications and Presentations

“Insurance Market Withdrawal Examination and Solutions.” Presented at Casualty Actuarial Society Annual Meeting, November 2023.
“Actuarial Function in Tech.” Presented at Southern California Casualty Actuarial Club Spring Meeting, June 2023.
“Sustainable/Green Insurance Products.” Published in Casualty Actuarial Society Forum, 2014 Winter, Vol. 1.

Professional Designations

Fellow, Casualty Actuarial Society
Member, American Academy of Actuaries
Fellow, Institute and Faculty of Actuaries UK

Education

BA Hons, Theoretical Physics, Trinity College, University of Dublin, Ireland

Affiliations

Southern California Casualty Actuarial Club, Treasurer & Secretary (2023-2024)

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Publications

Read their latest work

Article

So you want to be a P&C actuary?

11 February 2026 - by Zora W. Law, Liz Shickles, Dane Grand-Maison

From climate change to self-driving cars, hear the range of projects two actuarial consultants are working on, the soft skills that have helped their careers, and more advice for students and non-actuaries who want to enter the profession.

Article

California homeowners insurance: Current state of the market and implications of the Los Angeles wildfires

22 January 2025 - by Zora W. Law, Nickolas Alvarado

We discuss nine takeaways regarding the current state of the California homeowners insurance market and implications of the Los Angeles wildfires.

Article

What if workers’ compensation coverage is required for app-based drivers in California?

26 July 2024 - by Zora W. Law

How will transportation and delivery network companies such as Uber and DoorDash be affected if they have to implement workers’ compensation coverage in California?

Experience

Zora W. Law

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Experience

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Read their latest work

So you want to be a P&C actuary?

California homeowners insurance: Current state of the market and implications of the Los Angeles wildfires

What if workers’ compensation coverage is required for app-based drivers in California?

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Zora W. Law

Experience

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