RIC is an independent risk manager and technology company that has been dedicated to the fiduciary industry for over 20 years. We currently partner with over 200 banks and trust companies in the following areas: 1) Trust Owned Life Insurance – Comprehensive policy reviews (and annuity reviews), ILIT administration software and remediation services for problematic policies.2) Closely Held Businesses – Valuation services for closely held business interests held in trusts and IRA's (also perform 706/709 formal appraisals).3) Will File – Web-based platform to track (and monitor) when named as Executor or a future Trustee.