What is OPTerm 20 life insurance?

AnswerOPTerm 20 is the product name for Banner Life Insurance Company's term life insurance policy. The "20" indicates the number of years that the premium will remain level from the policy date

So many companies have their "own brand" names on product that you don't necessarily know. Take a look at the illustration and see what the features and benefits are. I would venture that it's term insurance, with a level premium for 20 years and then the pricing goes WAY up.