Is there the ability to opt back in to the company Term plan if the tax laws change and the imputed values switch? I'm assuming you could cash out any savings you have it in, without tax penalty up to the basis tax-free and then switch?

People keep saying they think 401k's will be gone after by congress. Assuming that could be the same for this. One signature and any tax savings up to your basis could be done away with as well. Not saying its likely, just maybe possible?