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When a policyholder converts a term policy to a permanent policy under the convertibility feature, they typically do not have to provide health information. This is a significant aspect of the convertibility option because it allows policyholders to transition to a permanent policy without undergoing additional medical underwriting. This feature is especially beneficial for individuals whose health may have declined since they initially purchased their term policy.

In contrast, proof of income, proof of residency, and prior underwriting documentation are often required during the conversion process to establish the individual's current situation and eligibility for the new policy. This emphasizes the ease and accessibility provided by the convertibility feature, allowing individuals to convert their coverage without the potential anxiety of health assessments.