Subject: File No. S7-14-08
From: Maria Stanard, agent

August 25, 2008

OPPOSING SEC PROPOSED RULE 151A.

THE INSURANCE INDUSTRY WOULD BE PUNISHED
BY SEC REGULATIONS OF RULE 151A.

FIXED-INDEXED ANNUITY PROVIDE A "SAFE AND SECURE"
PLACE TO PUT MONEY. THEY PROVIDE GUARANTEES OF
LIFE INCOME. TAX DEFERRAL. AND THE FEATURE OF
"INDEXING" TO GROW MONEY SAFELY EVEN DURING A
DOWNWARD TURN OF THE MARKET. THIS IS A NEW
ALTERNATIVE TO THE STOCK MARKET (RISK) TYPE OF
INVESTING.

THIS IS A "FREEDOM OF CHOICE" FOR CONSUMERS.
ESPECIALLY FOR THE RETIREMENT MARKET.

WHY TAKE AWAY THAT "CHOICE" THE INSURANCE
INDUSTRY PUT THESE INDEX-ANNUITY ON THE USA
MAP. TWO MANY REUGLATORS SPOIL THE PRODUCT
FOR THE PEOPLE WHO NEED THIS THE MUST.

"THE AMERICAN CONSUMER"

"SEC HANDLES THE STOCK MARKET....THE INSURANCE INDUSTRY
WITH THE STATE INSURANCE COMMISSIONER DO WHAT THEY DO
BEST. "REGULATE THE FIXED AND INDEX ANNUITIES"