I am a licensed insurance professional and variable product salesperson. I am writing to you about the suitability standard and principal review requirements pertaining to the sale of variable annuities contained in NASD proposed Rule 2821. Although the latest NASD proposal includes several amendments made to earlier versions of the proposal, the proposed rule's requirements are redundant, unnecessary, will provide no meaningful additional protection to consumers and will adversely impact my business.

Since strict enforcement of existing rules is all that's needed, I urge the SEC to disapprove the proposal.

Thank you for your consideration of my views on this matter.