Subject: File No. S7-14-08
From: Jean K Froud
Affiliation: Agent

July 11, 2008

Enough scrutiny -- Please keep the SEC out of this business. We already have more paperwork and time spent on suitability requirements -- it takes more time to go through the suitability paperwork than it takes to explain the products. PLEASE no more expense, no more time. Let the insurance business regulate itself. You, the SEC needs to focus on mutual/stock funds. The Insurance Commissioners keep us busy enough. Everything has a season -- mutuals and stocks will start looking good again and then the market for FIA's will wane. Let these products have their moment in the sun. I've been a Registered Rep -- too expensive -- too many requirements --too much big brother - government in business and personal affairs.