For Deferred Annuities¹ calculate  ITMness²  using BI-SEM³
¹ Variable, Fixed, Indexed, Registered Indexed-Linked (RILA) & Longevity deferred annuities supported 
² ITMness (In-the-Moneyness) - a contract's profitability metric
³ BI-SEM (Best Interest - Simulation Evaluation Method) is generally recognized as the most accurate method for estimating a deferred annuity's ITMness. Results are derived from probability distributions of metrics, calculated using a large number of calibrated randomly generated future economic scenarios  The App's Economic Scenario-Generation algorithm is generally based on US regulatory  principles-based reserve and capital specifications for deferred annuities.