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Solutions For Consumers
AssessBEST offers calculators so that you assess and understand your situation. It is essential when you work with your AssessBEST advisor to address your financial needs.
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AssessBEST offers calculators so that you assess and understand your situation. It is essential when you work with your AssessBEST advisor to address your financial needs.
Build your customer base with customized financial recommendations that deliver insurance solutions providing guaranteed income and asset protection.
Create the oversight structure and audit capabilities to manage recommendations and supervise your advisors' fiduciary and suitability duties.
AssessBEST is a critical information gathering, analytical and process documentation tool designed to identify the AssessBEST Guaranteed Insurance Gap (GIG)™ in financial plans and helps you guide clients to guaranteed insurance solutions. AssessBEST was developed under vigorous testing and thorough consultation with fiduciary and suitability experts and resources. AssessBEST is cloud-based and meets the most stringent cyber-secure requirements.
AssessBEST was built for and by INDEPENDENT Advisors. AssessBest Advisors determine their carrier “shelf” based on the appointments in place today or tomorrow. The AssessBEST Advisor assigns a preferred IMO for each selected carrier. AssessBEST DOES NOT require exclusivity to any one IMO or any one Financial Institution.
AssessBEST and Horter Investment Management (AssessBEST’s authorized Financial Institution) do not receive any commissions or overrides on your annuity or life production. AssessBEST is paid through your licensing fees. Horter Investment Management is paid a transaction fee for each case requiring Best Interest Authorization or BIC when and if needed.
Kim O’Brien
Kim O’Brien is the Vice Chairman and CEO of Americans for Annuity Protection and the Founder of AssessBEST. She has 35 years of experience in the insurance industry, beginning in 1981 as office manager for an insurance agency. Most recently Kim served NAFA, The National Association for Fixed Annuities, for almost 12 years and led the organization to defeat 151A. In 2002 Kim developed and ran her own marketing organization and received the 2002 Entrepreneur Award from Sun Life. Kim’s experience includes executive positions in product development, marketing and sales. While leading NAFA she was a guiding force to defeat 151A and served on the Suitability Model Working Group as a main architect of the final Model, the Market Conduct Audit working group and was the lead writer of the NAIC Annuity Buyer’s Guide. She is passionate about guaranteed insurance gaps in financial plans and the independent advisory network that delivers qualified recommendation for guaranteed insurance solutions.
"AssessBEST, Inc. developed the AssessBEST system under vigorous testing and thorough consultation with fiduciary and suitability experts and resources. "