technical provisions

Hello, I have a question on the calculation of Technical Provisions. I'm struggling to reconcile the definition given by the Core Reading about the inclusion of cashflows on a best estimate basis and the schematic on page 9 in this (possibly outdated) document...

I'm struggling to understand how the technical provisions for with-profits policies are calculated. The BEL for a with-profits product allows for both guaranteed (ie. including bonuses declared to date) and discretionary benefits (ie. future reversionary and terminal bonuses), where the BEL is...