November 17, 2008

Subject: File No.S7-14-08

As an agent I am against having fixed index annuities under the umbrella as securities.The public needs to have a choice,since the rule would bring the fixed index annuity under the control of the S.E.C.there would be a great reduction of choices for the public.Since there is a only .1%of all complaints filed with state insurance departments related to fixed indexed annuities,the argument for more control does not hold water.