Freedom Flex Program and Franklin Templeton?

Hey guys, the Freedomflex plan does not offer 15% investment return. They have a flexible premium annuity 4% annual, with no surrender charges!!. Customers have the option to redirect the growth premium to mutual funds with Franklin Templeton.
Just check the mutual funds of this company and you can see the return history about them. Its simple! Its only a mutual fund options. No guarantee, no FDIC insured. Its simple.
 
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