Benefits for your client
OPTerm life insurance offers affordable coverage for clients age 20 through 75 years old. Our variety of term durations lets clients choose their best match, while our wide range of coverage amounts provides the exact financial protection they need.
Guaranteed level term
Our term life coverage ensures your clients’ payments remain consistent throughout the policy’s term. With set premiums, your clients can plan ahead for their future, knowing what their exact payments will be every time.
Convertible coverage
Clients can exchange their term policy for a universal life insurance policy that will be issued at the same underwriting class as the existing term.
Learn about our universal insurance
Affordable protection
We want to make financial protection available for everyone. That’s why we stay current with pricing so often and make sure our product is among the most competitively priced.
See our OPTerm Admin GuidelinesOPTerm features at a glance
| Issue ages | 20 through 75 years old |
|---|---|
| Available term durations | 10, 15, 20, 25, 30, 35, and 40 years (based on eligibility) |
| Coverage amounts | $100,000+ |
| Preferred underwriting classes | Available for smokers and some with family history of cancer |
| Optional riders | Accelerated Death Benefit, Term Rider, Children’s Rider, Waiver of Premium |
Available riders
Use term riders to offer your clients the right amount of coverage for the right amount of time.
Learn more about Term RiderClients facing a qualifying terminal illness can receive a portion of their death benefit prior to passing away.
Get additional details about ADBThis rider extends death benefits to all children within a family.
Learn more about OPTerm and term life insurance
Find everything you need to keep your clients informed.
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