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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.
Actually what does term insurance mean? Before you purchase a term life insurance policy it is very important that you understand what it is. The word term means that there is a specific period of time that you are going to have coverage and when that period ends the coverage also ends. When the term has expired you will need to find a new insurance policy . In the insurance parlance, Annuitant is defined as a person who benefits from a pension or annuity.