Banner Life Insurance is quickly becoming one of the most competitive life insurance companies in the market. Known as “Your Company For Life,” Banner had more than $379 billion of life insurance in force by the end of the year 2008. Banner offers low premiums and flexible and aggressive underwriting (especially for high risk life insurance). The company was founded in 1949 and is still growing each year – currently, the following products are available from Banner Life:
OPTerm – A term life insurance policy with death benefits fixed and guaranteed for your choice of 10, 15, 20, or 30 years. Conversion options are fully guaranteed for the term period selected, all the way up to age 70. For policies issued at age 66 or later, the conversion option is guaranteed for a period of five years.
Life Value Term – A term insurance policy with premiums that begin lower, but increase each year for the term period selected (either 20 or 30 years). The premiums and death benefits are guaranteed as specified in the contract.
Life Choice UL – A universal life insurance policy, new for 2010, with lower guaranteed premiums than the 2009 version of this product (Life Umbrella UL). Premiums and death benefits are fixed and guaranteed for life, up to age 121, regardless of cash value.
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