Subject: File No. S7-14-08
From: Maxwell A Coulliette, CFP

August 29, 2008

I think Index Annuitiesa and Life should come under the supervision of FINRA and the SEC. They are being sold as a security " All the up side of the market(SP) but none of the down side. This is wrong

Putting a 78 year old male in an EIA with its high long term surrender charges is not suitable.