NSP curtate for 20 pay whole life versus 20 pay endowment???

[husker4life]

Hey,

My brain is not functioning well and I want to see if someone can confirm/deny that I'm on the right track with this.
I'm looking to calculate the curtate net single premiums for a 20 pay whole life (to attained age 100). I was thinking....
if x = current age & y = benefit cease age....
then it'd just be Mx/Dx
However, if it was an endowment to 65, it'd be...
(Mx - My + Dy)/Dx, where y = 65
Should I be taking into account the premium paying period somehow, though?
Thanks for any insights.