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Banner Life Insurance
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Banner Life Insurance provides a level term product called “OPTerm”, for customers who
want larger amounts of term insurance coverage at competitive rates.
This product is available to anyone between the ages of 18 and 80.
Applications administered through First Resource Group, Ltd.
| Issue Ages |
18 -80 |
| Minimum Amount |
$100,000 |
| Maximum Amount |
None |
| Underwriting/Rates |
Underwriting and rates are determined by applicant’s age, gender, underwriting health
classification, nicotine usage, policy plan, and coverage amounts. |
| Discounts |
Volume Discount Levels:
100,000 – 249,999
250,000 – 999,999
1,000,000 – over
|
| Exclusions |
Suicide during first two years of policy. |
| Beneficiary |
Applicant can appoint any beneficiary.
Note: GreenStone should not be named as the policy beneficiary.
|
| Plan Options |
10, 15, 20, 30-year terms.
Note: Plans offered can change frequently.
|
| Waiver of Premium (small additional premium) |
Waiver of Premium - Premium is waived if insured is totally disabled. Coverage ceases at age 59. |
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