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² ITM (In-the-Moneyness) - a contract's profitability metric
³ BI-SEM (Best Interest - Simulated Evaluation Method) is universally recognized as the most accurate method for estimating a deferred annuity's ITM. Calculations are based on probability 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.