Subject: File No. S7-14-08
From: Ronald D Simmons
Affiliation: Financial Advisor/Edward Jones Investments

October 21, 2008

Almost everyone that contacts me about the Index Annuity or
"Bonus" annuities they have purchased elsewhere want me to tell them how they can get out of this investment. Many of the features are not fully disclosed. I do not think this was intentional. These are complex products that agents need more education to better inform the potential investors. I firmly support Rule 151A. A securities license is needed.