An insured converts term to whole life without evidence of insurability under the

A renewal provision pertains to the ability to renew a term life insurance policy at the end of its term, typically without needing to reapply. However, this does not involve converting the policy into a whole life insurance policy, nor does it allow for the change of coverage type without evidence of insurability.

A reinstatement clause allows policyholders to reinstate a lapsed policy after it has expired, usually contingent on certain conditions and sometimes requiring proof of insurability. This does not pertain to converting from term to whole life and is focused instead on restoring coverage that has lapsed.

The grace period is the time frame during which a policyholder can make a premium payment after the due date without losing coverage. While it provides a safety net for maintaining coverage, it does not relate to the conversion of policy types or the requirement for insurability.