Subject: File No. S7-14-08
From: Dejah F LaMonte

September 3, 2008

I firmly belive that current and pending state insurance discloursure, suitability and sales practice protection laws, including regulations, are quite adequately protecting consumers and will continue to do so. I believe the adoption of this proposed rule has the potential to negatively impact not only insurance companies and agents, but consumers as well. These products are currently used by millions of Americans to help achieve their savings goals, particularly at a time when growing numbers of our population are looking for ways to preserve and increase their retirement income flow. The rule would add unnecessary and redundant disclosure to the sales process and would likely impair the availability of fixed indexed annuities. Making these products less available to the consumer would deprive many from access to these products and their valuable principal guarantees. I request the comment period to be extended to allow adequate and analysis of the propsed rule and appropriate comment. I request a full and complete response to the sec as part of the comment process. I believe my elected officials need to hear the concerns of the thousands of small business owners and constituents that will be affected by this far-sweeping proposed rule Please hear our concerns and extend the comment period. I oppose proposed rule 151A. Dejah LaMonte