Subject: File No. 4-606
From: E T Stallat

August 2, 2010

I was laid off the corporate world and have taken into the world of strictly insurance. It is completely 100% commission only and an extremely difficult and challenging world to be in. I do it because people need help understanding they need coverage and are too busy to actually what do what they all say they know they should do. If I had to explain all my commissions to them, it absolutely might affect coverage they take for themselves -which is very dangerous. The reason it's important is I meet hundreds of people a year for nothing, go through the process for nothing, and am a resource for many - sometime for a commission of nothing to $100.

What they get from me doesn't usually pay if I was hourly, but this is a job that has to be done-and I care more than you know about each and every one of them.

The commissions need to be what they are (a car salesman, tv saleseman and any other you can think of does not have to disclose the commission). When I was a major bank, we essentially got commission by meeting sales goals...imagine if the customer knew that? They got everything they could imagine because I had an appropriate sales structure as an incentive-but it could have hurt THEM.

Don't hurt the people because for every big case I have, I do 20 small ones that would never pay my elecric bill. This job is the hardest job I have ever had-and doing this is wrorth every penny I get paid.

I am honest, hardworking, and enjoy the challenge of 100% commission - because I get paid to help people. Don't confuse them more. Name one other salesman that HAS to report their pay detailed?