Tips for Buying Permanent Insurance?

So my financial adviser is also a broker (for MassMutual?) and is starting to push whole life on me pretty hard. Not sure if this is the best forum to discuss this, but how do yall usually compare and project this? I'm trying to run projections and it seems at best to be equal to a 5.5% RoR on an after-tax account.

Thoughts? I have a lot I can talk about. :)
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