Life Inurance: Do I go with term or whole life and why?

Life Inurance: Do I go with term or whole life and why?

I am a 28 year old man with two young kids and i'm trying to figure out the advantages of whole life and term life insurance. I have friends who say whole life is a waste of money, yet my insurance agent insists that I need a whole life policy. I make a good living and if something happened to me, there is no way that my wife would be able to find the type of income to pay our bills and provide for our kids. Can somebody help clarify which is the best way to go?

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