<prompt> Human: Im sure you need more info but I am hesitant to post a bunch of personal information so please ask me what you need and I will reply with it. I do not feel I need death benefit, dont have kids or anyone to pass my retirement savings on to. TIA  <response>: Generally, no. Whole life insurance can be good for high net worth individuals who use it as part of their estate planning strategy. But if you were that type of person, you wouldnt be asking this question.The reason why your adviser is pushing this is because they get feescommissions from it. 