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Veralytic an independent life insurance research company, Our software is a benchmarking system for permanent life insurance policies, much like Morningstar is for other financial assets. Using these reports to analyze life insurance enables Trustees, Wealth Management and Financial Planning firms apply to life insurance the same rigor applied to other client portfolio assets—by evaluating cost, performance, and risk against their peer group. They also simplify the confusion created by hypothetical policy comparisons. Our research reports are based upon a patented "five star" rating system that benchmarks for suitability against a growing database of thousands of life insurance products and hundreds of life insurance companies.

The fiduciary landscape is evolving. Once concentrated within large trust companies, top talent has now dispersed to smaller trust firms,Wealth management/Planning firms and family offices—bringing greater flexibility but also new challenges. Without the extensive resources of large institutions, many fiduciaries find themselves navigating complex matters with fewer expert advisors to turn to for guidance.

One area where this need is particularly acute is **Irrevocable Life Insurance Trusts (ILITs)** and the life insurance review process for financial planners. After nearly three decades in the trust industry, I have seen firsthand how ILIT management often lacks the comprehensive, understandable tools necessary to meet fiduciary responsibilities. Traditional reviews typically focus on policy details, carrier strength, and lapse risk, but they often **fail to analyze internal policy costs or the performance benchmarks needed to meet client expectations.**

That’s why I am excited to be part of Veralytic an independent life insurance research firm committed to empowering fiduciaries with the expert insights they need. Our work ensures that fiduciaries meet their regulatory obligations by providing * Fiduciary-compliant reviews** that assess cost, performance, and risk—offering clear, actionable solutions for effective policy management. We stand beside fiduciaries every step of the way, providing the expertise and tools they need to confidently serve their clients' best interests.