Why have an apple vs an orange?
Not convinced. And I am your target audience.
A sound financial plan usually involves having a certain percentage in cash, cash equivalents, or other safe vehicles. If you understand how a properly designed overfunded whole life plan works, you would want that asset class for (at least a portion of) your safe money allocation.
But that's just one benefit of whole life, there are some other benefits that aren't available in any other financial product that I'm aware of (at least not in combination of those benefits).
investing in retirement accounts and mutual funds.
FTFY
Presumably you're talking about ROTH IRAs. And what does one do after the contributions were maxed? Or where does one put the safe money allocation of the portfolio?