Americans for Annuity Protection advocates for consumers’ rights to an effectively regulated annuity marketplace fostering financial independence through guaranteed insured income.


Americans for Annuity Protection’s purpose is to protect and preserve the consumer’s access to reliable annuity guidance and assistance through:

  • Education and Research
  • Experienced and Trained professionals
  • Competitive and Suitable products 

About AAP

Kim O’Brien is the Vice Chairman and CEO of Americans for Annuity Protection. She has 35 years of experience in the insurance industry beginning as 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. In between, Kim worked as a marketing executive for major insurance companies and was responsible for their annuity and term life insurance product line development, marketing, and training processes.

In July 1992, Kim passed the CFP newly established (1991) exam designed as a single comprehensive examination modeled after the licensing examinations given to attorneys and Certified Public Accountants (CPAs). In late 2016, Kim chose to resign her CFP certification because of her beliefs that the CFP Board does not recognize the importance and value of insurance planners who choose not to apply for CFP certification.  Her beliefs were formed by the CFP marketing campaign showing disdain for non-CFP advisors and the Board's position on the DOL Fiduciary Rule which is harmful to consumers.    In 1993, Kim served Governor Tommy Thomson in the search for a Commissioner of Insurance and consultant to the Department until a permanent replacement could be found. 

Kim O’Brien received her BA from Ripon College, her MFA from the University of Northern Colorado, and an MBA with a double emphasis in Economics and English from Edgewood College, Madison, Wisconsin. 

Kim O’Brien discusses the Global Longevity Crisis, Retirement, and current public policy that harms consumers at the United Nations Global Economic Initiative 2015.

Paul Feldman is the Chairman of Americans for Annuity Protection. He is the president and publisher of InsuranceNewsNet.com and InsuranceNewsNet Magazine, both of which extensively serve producers and agents in the insurance and financial industries. With over 23 years of experience in the insurance world, Paul consults some of the largest insurance and marketing organizations in the industry.

Paul won the 2012 Integrated Marketing Award (IMA) for Lead Gen Initiative for his Truth about Agent Recruiting video and was the runner-up for IMA’s Marketer of the Year, a competition that includes consumer and B2B publishing companies, in 2012. 

David R. Kefford, MBA is the Treasurer and CFO of Americans for Annuity Protection. He is currently the VP of Finance and Administration for InsuranceNewsNet. Dave has over 25 years of financial and operational experience in the publishing industry including publications such as InsuranceNewsNet Magazine, Smithsonian Magazine, Air & Space Smithsonian Magazine, LINKS Magazine, American History, Civil War Times Illustrated, Fly Fisherman and a number of special interest magazines.

Cailie A. Currin, is President and owner of Currin Compliance Services, Inc. She has been in insurance regulation and compliance for over 20 years.  Currin has been a New York State Insurance Department Regulator and in-house compliance attorney at a major life insurer. In her consulting practice, she has a staff of analysts in three divisions:  Advertising and Producer Compliance Department, Corporate and Product Compliance Department, and the Compliance and Risk Mitigation Assistance Program.  Since January 2007, she and her staff have been providing a wide variety of compliance consulting and advisory services to life insurance companies, independent marketing organizations, agencies and producers.  Read her full curriculum vitae.

Richard M. Weber, MBA, CLU, AEP (DISTINGUISHED) is the Society of Financial Service Professional’s Kenneth Black, Jr. Leadership Award recipient for 2008 in recognition of his “... exemplary leadership qualities and significant contributions to the fulfillment of the Society’s core values of ethics, education, and relationships.” In 2009, Dick was elected to the NAEPC Estate Planning Hall of Fame and selected to receive the Distinguished Accredited Estate Planner award and designation for “... significant and outstanding lifetime achievements and contributions to the practice and profession of estate planning.”  Read more about Dick Weber.

IN MEMORY of James R. Mumford

Jim served as First Deputy Commissioner of the Iowa Insurance Division  from 2005 until 2015.  He also served as Iowa’s Securities Administrator for 6 years.

Mr. Mumford graduated from Iowa State University with a degree in agriculture economics and graduated from Harvard University Law School. 

Mr. Mumford has worked in the insurance industry since 1965 starting in private practice.  In 1970 he became counsel with Equitable Life Insurance Company of Iowa.  In 1976 he started a law firm specializing in insurance related matters.  He worked extensively in insurance related matters including variable annuity and indexed annuity products, pension and tax matters, and financial and corporate governance matters.  In 1997, he joined ING Americas as Chief Counsel, Corporate Affairs and also later undertook the duties of Chief Counsel, Special Projects.  During that time he was general counsel of several ING insurance subsidiaries and furnished oversight on ING state government relations activities.  In 2003, he retired from ING and became Of Counsel with Nyemaster, Goode, West, Hansell & O'Brien Law Firm in Des Moines, Iowa. 

Mr. Mumford was active in the National Organization of Life and Health Guaranty Association (NOLHGA) where he was a member of its legal committee for 5 years (chair 2 years), member of its audit committee for 3 years (chair 1 year), member of its executive committee for 3 years (chair 1 year), member of its Board of Directors for 6 years (chair 1 year), member of its financial modernization committee for 3 years and co-chaired its Guaranty Association Modernization Task Force for 2 years.

During his career, Mr. Mumford was active with the National Association of Insurance Commissioners (NAIC) on behalf of his clients.  He was also active representing member companies of the American Council of Life Insurers (ACLI).

Mr. Mumford represented the Iowa Insurance Division and served on various NAIC Working Groups and Task Forces including chairing the NAIC Receivership and Insolvency Task Force, a working group reviewing the NAIC Annuity Disclosure Model Regulation and Annuity Buyer’s Guide and a working group coordinating with federal agencies on ERISA retirement lifetime income issues.

Americans for Annuity Protection is a 501c4 nonprofit formed in 2015 by insurance and annuity veterans to ensure a diverse and competitive annuity marketplace serving Americans across the economic spectrum. Our offices are located in Phoenix, AZ; Washington, D.C. and Camp Hill, PA.