Whole life is a "forced savings plan". You will never see a financial advisor who has it, because it has horrible returns on investment and all sorts of penalties and restrictions. With term insurance you pay only for the actual insurance part of it and if you put the other part into another savings plan you would come out way ahead. Term will expire after 20-30 years but if for any reason you would want to continue coverage after that you can make sure at the beginning that it is "guaranteed renewable" which means that although your premiums will be higher as if you were applying for insurance at that age, they cannot turn you down even if you were on your deathbed. If any agent tries to sell you whole life ask them what they have themselves I would be very surprised if it is whole life.
PS: I am licensed to sell insurance (I took the exams and everything so I got a bit of book learning) even though I ended up taking a different job and never sold insurance.