Subject: File No. 4-606
From: Kevin D Lindblom
Affiliation: CLU, ChFC, LUTCF, CLTC

August 6, 2010

Please understand that the protection of the American public is very important to myself and many in my industry. The reason I am an advisor is because I feel so adamant about the need for the American consumer to have guidance and expertise that will help and aid them to build and protect their financial situation current and long-term.

There a very specific product benefits and value that cannot be spreadsheet or comparison because many are not the same. In very simple situations the client looking to purchase a term life insurance policy or long term care policy you can really compare more to an apple-to-apple but many and most other financial products are very unique to the company(s) and to the client.

Please understand that your help and concern in the area of protecting the American people is at the top of my list as well, but in my opinion the effect of fiduciary restraints would make the process for the client to choose or decide exponentially more difficult and costly.