What kind of life insurance start out as a temporary coverage but can be later modified to permanent coverage without evidence of insurability?

The type of life insurance that starts as temporary coverage and can later be converted to permanent coverage without evidence of insurability is known as "term life insurance with a conversion option." This allows policyholders to transition to a permanent policy, such as whole life or universal life, typically within a specified timeframe, ensuring that they can maintain coverage even if their health changes. This feature provides flexibility and security for individuals who may later desire permanent insurance.