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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 insurance which permits changes in the face amount, premium amount, period of protection, and the duration of the premium payment period. Adjuster. A representative of an insurance company who investigates and acts on the behalf of the company to obtain agreements for the amount of the insurance claim.