What are the distinct phases of growth for plants and insects referred to as?

The phrase that describes the distinct phases of growth for both plants and insects is commonly referred to as "life cycles." Each organism, regardless of its type, undergoes a series of changes from the beginning of its existence until it reaches maturity and eventually reproduces. In plants, life cycles include stages such as germination, growth, flowering, and seed production. For insects, life cycles typically encompass stages such as egg, larva, pupa, and adult.

While "developmental stages" is a related term, it often refers specifically to the various stages within a broader life cycle and may not encompass all phases involved for different organisms. The term "biological cycles" may also incorporate broader ecological processes and interactions. "Growth patterns" generally describe how organisms increase in size or change form over time, but do not specifically address the complete sequence of growth and reproduction.

Therefore, the most precise term that encompasses these distinct phases for both plants and insects is "life cycles."