If the purpose of the life insurance is really just a death benefit and not considering cashing out the life insurance, with all things equal, I know term insurance is cheaper per year, but you need to pay that for x numbers of years until you die. So if you live until 95, and you are only 30, you need to pay 65 years. Whereas for whole life, usually you are done in 20 years or even less with using the dividends. Might turn out paying less than term.
Am I missing something? Why is everyone here so against whole life?