Which factor would most influence C's decision to convert her convertible term life policy to a whole life insurance policy?

When considering the conversion of a convertible term life policy to a whole life insurance policy, one of the most significant influencing factors is the cost. Whole life insurance typically involves higher premium payments compared to term life insurance. C's decision to convert is often driven by her financial situation and willingness or ability to afford the higher long-term costs associated with whole life insurance.

This decision is typically made when individuals feel that they require lifelong coverage and are prepared to invest the higher premiums for the benefits that whole life policies offer, such as cash value accumulation and guaranteed death benefits.

While other factors are important, such as the policy's cash value, potential return on investment, and the duration of premium payments, the immediate financial implications and affordability of converting from a lower-cost term policy to a more expensive whole life policy often hold more weight in the decision-making process. This focus on cost aligns well with common concerns individuals have when evaluating insurance options.