Is whole life insurance worth it?

30F with no dependents and not consider dependent honestly until close to 35 if ever. 10k left on auto loan. 20k in HYSA. 350k in student loans from private grad school. Current income approximately 150k/annually without annual bonus or OT. Financial advisor discussed life insurance at previous visit. Medical exam completed and cleared for 5mil. We discussed me taking 1mil (at 12k/annually or 1k a month) plus term for another 2mil (at 170/month). He talked about it as a capital gain/investment vehicle, but I’m unsure. I haven’t signed anything yet as I’m apprehensive and want further opinions on whether this would benefit me right now or not?

I’m more focused on paying my student loans down (monthly payment of 750/month with an increase to ~1350/month in 2026 due to my income this year hitting close to 200k) and paying my car off next year.