Subject: File No. S7-14-08
From: David D Lichfield

July 11, 2008

Making fixed indexed annuities a security is simply giving into the demands of stock brokers who find that they cannot compete with a good product that is safe and secure and can be sold with out going through the process of obtaining a securities license. I have one but wish that sense will prevail and indexed fixed annuities and indexed universal life will be left as they are.