Subject: File No. S7-14-08
From: David P Christoff
Affiliation: Investment Advisor Representative, SSN Advisory Inc.

October 14, 2008

Equity Indexed Annuities have been mispurchased by individuals who do not understand the product.

It is time to reign in the product and regulate it were it should be, after all the insurance industry wants to call it an "Equity Indexed Annuity" which certainly implies it has the benefits of the stock market.