Subject: File Number SR-FINRA -2009-008

April 16, 2009

Florence Harmon
Deputy Secretary, Securities and Exchange Commission
100 F Street, NE
Washington, DC 20549

Florence Harmon:

I have been a member of our local and National NAIFA for over fifty-four years, and unlike most of our brethen I am for changes in the rules governing the marketing of financial products by insurance agents. The industry has a miserable record of self-policing. We need the closer oversight provisions of the SEC and I encourage the committee to make these changes in the rules.

Bert Reames, CLU


Bert Reames, CLU