Subject: File No. S7-14-08
From: Norma G Brinn
Affiliation: MDRT PRODUCER

November 18, 2008

This is a crime to not let Insurance Agents sell Index Annuities without being Security licensed. Insurance agents have never lost a dime of our clients money, can you say the same for Security Licensed people? What's happening now to everyone's retirement money, it' gone. My clients have not lost a bit of their money. Just because you are Security licensed, does not make you an honest agent, in fact, I know a plenty that are not. They switch their clients funds every year, just so they make more money,and most of the time it is not in their best interest. You all worry about the commission we make, its just for 1 year.
You all are doing this because people know how great these Equity Index Annuities are.

Norma Brinn