Hancock UL W/ LTCi Rider- Good/Bad?

I was reading on this thread that Hancock pulled out of LTCi but ran into a client that was offered a UL with LTCi rider.

Anyone have experience with this product and what are the pros/cons?

Clients are in mid 40's. A $1m UL with a LTCi rider that looks like it will pay up to $20k/month for 50 months for LTC benefits. Sounds almost to good to be true.

Thoughts?
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