November 13, 2008

Subject: File No. S7-14-08

Hi,

Supporting the proposed rule for federal oversight of insurance sales (Equity indexed annuities)

As a member of the Financial Planning Association, Certified Financial Planner, Certified Public Accountant (and Insurance Agent), I am in support of more federal oversight. Aggressive sales people often recommend unfit products to those who can least afford it. Perhaps the additional oversight will help.

Thanks,

Wilbert

Wilbert Guilford