I suggest that you think about it like this: term life insurance is like an option ~ you pay an an up-front premium and receive a benefit payment if the person dies during the coverage period. Whole life is like an option packaged with a series of zero coupon bonds, with some embedded tax benefits.
The economics of most whole life policies can be replicated using a combination of term life and financial instruments, at less substantially less cost.
For most people, term life is a much better deal. Pricing is transparent, commissions are reasonable, and the overall return is greater.
Another certainty about term life insurance --- brokers will probably try to convince you that whole life is a better product, and most of them probably believe that it is, notwithstanding the fact that commissions and insurers' profit margins on whole life are substantially higher than on term life.