Subject: proposed rule 151A

October 17, 2008

Indexed annuities are not high-risk investment products. As a consumer and owner of an Indexed Annuities I like the protection the guarantee of premiums paid and guarantee of interest credited to my account. I do not wish to take undo risk with my retirement savings. The added cost to save for retirement is unfair to the consumer who do not wish to be in the unstable market.
Thank you,
Concern Consumer