ICE & 4 Ls From Niki Johnson

A couple weeks ago on Coffee Break, I was joined by Jen Wagoner, Elaine Marvin, and Niki Johnson to share some perspectives about our Asset Care Return of Premium product. 

If you have not seen the January Coffee Break, you can check it out here.  Or, you go to the website where you can catch any past episode on demand.   

Remember, a new episode premiers the second Tuesday of each month.

Niki Johnson shared a couple or cool phrases during her segment along with recalling John Cougar Mellencamp’s Jack & Diane in her example. Let me recap a few that jumped out to me.

One thing that Niki mentioned was the one phrase that I think describes the value proposition for the Asset Care Return of Premium product is that it is designed for those clients are concerned about a “return of their money than a return on their money”. 

She also shared the Ls for Asset Care Return of Premium.  LEVERAGE, LONG TERM CARE, LEGACY, and LIQUIDITY (I added one but it makes sense in my mind.)  These attributes aren’t limited to Asset Care ROP – all of the products in the Care Solutions portfolio possess these features. 

And, she noted the acronym ICE which stands for “In Case of Emergency” money or assets.  Simply, ICE money/assets are those monies that are set aside by clients to fund emergencies.  In the scope of our conversation, CDs and money market accounts were mentioned.  But, there are many more sources.

As a matter of fact, did you realize that over 70% of people that own deferred annuities have designated them to be their ICE money?  We offer a specific solution for those cases – call me to learn more.

Our objective is to provide you with ideas to help provide long term care funding solutions that meet clients’ unique needs.

To learn more, contact me via email at or at (678) 512-9627.

For illustrations and product assistance, please contact my internal Justin Fox at (844) 658-3725 or via email at

As always, thanks for taking a little bit of time for me.

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