Subject: File No. S7-14-08
From: John Hershey
Affiliation: IAR

July 30, 2008

Re Indexed annuities
It is a good product for folks with enough other funds to take care of their life necessities. Also, for many it provides them with peace of mind....some are not comfortable with market volatility.
It seems as though more seniors have been hurt by poor market performance than by an annuity.
It is a good product when used correctly and is an insurance product, not a security.