Convertible term

A convertible term life insurance policy can be converted into a permanent life policy at some point in the future without requiring you to pass a health screening exam.

A convertible term policy is generally more expensive than a regular term policy from the same insurance provider.

Like other term insurance policies, a convertible term policy remains in force for a specific period of time, or term, and can usually be renewed for an additional term, though the premiums typically increase with each renewal.