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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.
Life assurance is a policy that provides the person insurance for life. The terms insurance and assurance are often heard when referring to financial product sold by a company. These words are used to refer to packages that provide a sum of money in return of premiums paid to safeguard an object.o, should anything happen to that said thing, person, etc., the loss would be incurred by the company, either fully or partially. Now, life insurance is a contract between the company and the insured that the company will provide the insuredâs family an amount of sum at the death of the insured.