Any Insights on John Hancock's "Performance LTC" Policies?

Hi,

My wife and I are looking to buy LTC insurance. We're down to two providers, MassMutual and John Hancock. JH's Performance LTC sounds promising, but it seems pretty complex. In fact, if it were from a "fly-by-night" company, I would consider it downright shady. I wouldn't expect their broker to tell me any downsides to it, but I thought perhaps I could get some neutral insight on this forum.

Any takers?
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