We’re excited to share an important enhancement to our underwriting capabilities for OPTerm — powered by a meaningful increase in our retention limits and designed to help you place larger cases with greater speed and flexibility.

 

Our retention has increased

For ages 20–75, we've added capacity to support higher face amounts:

• Preferred Plus through Table 4: Now $10M

• Table 5–12: Now $2M

This update strengthens our ability to support more complex cases and is the foundation behind the improvements below.

 

What this unlocks:

 

Accelerated underwriting expanded to $5 million*
With higher retention in place, accelerated underwriting is now available for even larger cases. Exam-free and instant decisions are now eligible for clients ages 20–60 up to $5 million in coverage. Previously, AUW pathways were capped at $4 million. 

 

Higher autobind limits across most rate classes

The increased retention also allows for greater autobind flexibility:

• Preferred Plus through Table 4: Now $40M (previously $30M)

• Table 5–8: Now $20M (previously $10M)

Explore more about these updates in our Underwriting Field Guide

These enhancements work together: Higher retention enables faster decisions and greater autobind capacity, so you can feel confident that we’re here for larger opportunities.

 

Higher limits. Faster answers. Better outcomes.

 

*Accelerated underwriting is only available for Banner Life Insurance Company