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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.
Insurance that covers such a loan is known as credit life/credit disability. Some policies cover only life, some. cover only disabilities, and others cover both. Credit disability is often called credit accident and health. insurance. Credit life insurance = decreasing term insurance. Credit life is similar to a special type of life insurance called âdecreasing termâ insurance. â¢ A credit life policy is issued for an amount equal to how much you owe. â¢ As your loan balance decreases, so does the face amount of the credit life policy.