From: Mike Werkowski
Sent: April 11, 2005
Subject: File No. S7-06-04

It is my understanding there is a proposal under consideration to add a new disclosure to the process of selling VUL & VA products. I would urge you to reconsider. Any duplication (which this would be) would do nothing more than confuse the consumer. A better solution would be to redesign the prospectus to reach the same goal or no change at all. Please, lets remember KISS (Keep It Super Simple) for the sake of the consumer.

Thank you.

Mike Werkowski
Registered Representative

Mike Werkowski Agency
American Family Insurance
18622 Brook Forest Ave.
Shorewood, IL 60431
ph 815.577.0800 * fax 815.577.2440

"At American Family Life, we believe in protecting those who depend upon you." Please ask me how we can pay off your mortgage or other debts if things don't go as planned.