If you do the math whole life provides worse returns, more fees, and more expensive coverage than a term life policy. Take the extra money and invest it separately Get free quotes from sites like Zander insurance. Don't rely on your job for all your insurance needs as you might lose your job and your ins at same time.
I don't sell anything. My wife is almost 30 we pay 14.00 a month for 250 k 20 year term. That's dirt cheap.