Subject: File No. S7-14-08
From: Troy A Turley
Affiliation: General Agent- Independent

November 13, 2008

This ruling is being forces by securities companies, broker dealers who have lost money do to the downturn in stock market. If Equity Index Annuities are put into a securities exchange it would be the worst decision made since 1933 security act was put in to act. So look at what the stock market CEO have done, they have lost trillions of dollars because of GREED. Trying to beat then the next company, to get the edge. These products need to be regulated by insurance companies, not securities. Look at the Insurance Company record, since the act of 1933. Insurance Co's have NOT loss trillions of dollars for their clients. It GREED that is forcing securities companies and broker dealers to forces this act. Look beyond their regulation that they want, Look WHY they want this. It has nothing to done WITH THE IDEA THEY CAN DO A BETTER JOB, the Insurance Co.'s HAVE BEEN DOING THE REGULATION. AND DOING A GOOD JOB.

It's GREED, NOTHING ELSE THEY WANT A BIGGER PART OF THE ACTION