Which feature of term insurance provides temporary protection that can change to permanent protection within specified years without evidence of insurability?

The feature of term insurance that provides temporary protection, with the option to change to permanent protection within specified years without requiring evidence of insurability, is convertible. This means that the policyholder can convert their term insurance policy into a permanent life insurance policy, like whole or universal life insurance, at predetermined times during the term. This conversion is advantageous because it allows the insured to maintain coverage as their needs change without undergoing new underwriting processes or proving their health status at the time of conversion. This is particularly valuable for individuals who may develop health issues later that could make obtaining a new policy more difficult or costly. In contrast, other options such as renewable pertain to the ability to renew the term policy for additional periods, but do not allow for conversion to permanent insurance.