The term that describes all the changes that take place during the life of an organism, including growth, is development.

Here's why:

* Growth is a part of development, but it doesn't encompass all the changes.

* Development includes not only growth (increase in size and mass) but also differentiation (cells specializing into different types), maturation (reaching full functional capacity), and aging.

Therefore, development is the broader and more accurate term for all the changes an organism undergoes throughout its life.