Deferred Annuity Risk Management Assistant
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For Best Interest challenges, join BI-SEM's ITM revolution

What is the ITM metric and why is it so important?
The "In-The-Moneyness" (ITM) metric tells you if a deferred annuity is worth buying or keeping.
Especially for risky variable annuities that are constantly prone to sudden equity market volatility.
Sign up below to calculate any annuity contract's estimated ITM, using the acclaimed BI-SEM* method.


                                                                                                                         
                                                                                                                          For a one-page summary:
click here
                                                                                                                          For a short
demo video:    click here

If you'd like to test drive the DARMA™ app and you agree to our TERMS & PRIVACY POLICIES
Sign up here for free)
* BI-SEM (Best Interest - Simulated Evaluation Method) is the best method for estimating an annuity's ITM. Calculations are based on statistical distributions of results derived from numerous calibrated future economic scenarios that are randomly generated by the App. The App's Economic Scenario-Generation algorithm is generally based on the published PBR stochastic requirements for the calculation of an Insurance Company’s Reserve Liability Obligations.
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  • Home
  • Log-In
  • About DARMA™
    • ReadMe
    • Terms & Privacy >
      • Terms of Service
      • Privacy Policy
      • Feedback
      • Contact Information
      • Opt In / Opt Out
    • Quick DARMA™ Demo Video
    • Tutorial
    • Cost
    • A Sales Game Changer
    • Why InjAnnuity?
  • FAQs
  • Related Sites
    • InjAnnuity on YouTube
    • Integrated Actuarial Systems, Inc.
    • Corporate Risk Compliance, Inc.
    • BI-SEM.ORG