Subject: File No. S7-14-08
From: rick shingler

November 18, 2008

with all the upheaval in the stock market, the fact that equuity indexed annuities are safe, gaurenteed, and all interest credited is there's to keep, not to br lost in a stock market crash.As long as a client honors the contract nobody has EVER lost a dime in a fixed annuity. rick in kissimmee, fl