Subject: File No. S7-14-08
From: Constance L Easley
Affiliation: LUTCF

September 9, 2008

-I am a licensed independent insurance agent in the great state of Texas. I am licensed to sell fixed annuities, and sincerely believe that my agency, as well as many other agencies and clients would be greatly impacted by the proposed rule 151A, in a negative way. This rule appears to add NO consumer protection. Fixed annuities are insurance products and not a market risk. I oppose Rule 151A wholeheartedly and request that the SEC reconsider their stance on the matter.