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OPTerm is a brand name of Banner Insurance. The company has used that brand to propel them upwards in the industry, earning the company an A+ rating with A.M. Best, one of the leading insurance ratings companies. It is the product name of a series of term life policies, each denoted by a number to indicate the term of the policy. OPTerm is basically term life insurance with a name. OPTerm 20 indicates a 20 year term life policy with fixed premiums. Other versions include OPTerm 10, 15, and 30 year policies.
Definition - What does Straight Life Insurance mean? Straight life insurance is a type of permanent life insurance policy that has a guaranteed death benefit and fixed premiums. As long as the insured keeps paying their monthly premium, this type of policy does not expire. It is also known as ordinary life insurance or whole life insurance.