Whole life vs. term life insurance

If I have term life insurance, but why should I convert it to Whole life insurance, Why whole life insurance is safer than term life insurance. Here are the definitions for the two terms, WHOLE LIFE INSURANCE The oldest kind of cash value life insurance that combines protection against premature death with a savings account. Premiums are fixed and guaranteed and remain level throughout the policy’s lifetime. TERM LIFE INSURANCE A form of life insurance that covers the insured person for a certain period of time, the “term” that is specified in the policy. It pays a benefit to a designated beneficiary only when the insured dies within that specified period which can be one, five, 10 or even 20 years. Term life policies are renewable but premiums increase with age.