Subject: APPROVE SEC RULE 151A S7-14-08

July 21, 2008

To whom it may concern,

I think index annuities should be considered a security. These fixed insurance salesmen are selling them to the unsuspecting elderly population who, in many cases, have no idea that they are locking up their money for 7-20 years. These guys are preying on the elderly.

Travis J. Hudak

Legacy Planning Group