First Choice Financial Services is a Life Insurance Planning Company specializing in Mortgage Protection and Tax-free Indexing strategies. FCFS designed the Power of Three system (PO3) to protect our client’s biggest risk; their ability to earn a living. Most insurance polices only offer “Death” insurance. In other words, the policy only protects a small portion of your true risk. The fact is, “Death” Insurance really only pays out 2% of the time. So, most people only have insurance that covers less than 5% of their total risk picture. Our PO3 strategy is designed to protect a clients entire risk picture. Not only does it cover the “Death” risk, but most importantly it also covers your “Living” risk. The final piece of the system is how we use Life Insurance Retirement Planning to address the hidden retirement risks that most Americans are completely unaware of.