November 13, 2008

Subject: Oversight by the SEC of Equity Index annuties s7-14-08

I want to go on record supporting the need for additional oversight by the SEC on the sale of index based annuities. I have two professional designations and have been in the business for 27 years. I see too many abuses in my own clientele from other agents who sold index annuities inappropriately. They need to be re

gulated as securities.

Joel D. Andrews, LLC.