Subject: File No. S7-14-08
From: Lenore S Gorosh, Ms.
Affiliation: Independent Agent, Health Life

November 18, 2008

"File Number S7-14-08 The number one fact and a good example is in my own family. My brother who is a veteran, double amputee with a kidney transplant has a Fixed Annuity. In this terribe ecomomic market he has one less thing to worry about. He has an income he can count on. No way should this product bae changed. This should not be an item sold by Security agents. It's not only just another way to add more bureauracy and expense to a product that doesn't need it, it doesn't accomplish anything.