Subject: File No. S7-14-08
From: Patricia H Molina

July 17, 2008

I have been very successful in selling Indexed-Annuities as an insurance product for the last 11 years. My type of clients are conservative and Indexed annuities are the best secured savings they can do for retirement. I have already happy clients who are taking income from their indexed annuities. My clients refer new clients to me to get into indexed annuities.
Please keep these indexed annuities as an insurance product.It is already benefiting many people.

Thank you