Protection Lasts a Lifetime
The number one reason most people choose whole life insurance over term is that permanent life insurance stays with you for as long as you live. The only way it can be cancelled is if you stop making payments or the signup is judged as fraudulent.
For most people, this provides a sort of “set it and forget it” mentality. As long as you make your payments, you have the reassurance of knowing it’s all taken care of.