Angela is converting her term insurance, purchased at age 37, to whole life insurance. She is 42 and will be 43 in two months' time. Her beneficiary is age 44. What age will be used for her life insurance premium? Angela is converting her term insurance, purchased at age 37, to whole life insurance. She is 42 and will be 43 in two months' time. Her beneficiary is age 44. What age will be used for her life insurance premium?