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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.
Unsourced material may be challenged and removed. (September 2014) (Learn how and when to remove this template message) Group insurance is an insurance that covers a defined group of people, for example the members of a society or professional association, or the employees of a particular employer.