Employees whose group is sitused in New York or West Virginia have the option of maintaining a Term Life policy for the first 12 months prior to converting to Whole Life. The rate for this Term period is very low. At the end of the 12-month period, the insured may convert to Whole Life. 

Please note that employees are not required to keep the policy after the 12-month Term period. Employees can take the 12-month Term option and cancel coverage after this option is exhausted.