Useful information from a CFP not an insurance salesman
Some quick issues when scanning that article. He isn't using Traditional whole Life insurance when he is talking about it. He is using Universal Life insurance as his "standard". I've been very outspoken on my hatred for Universal Life. Secondly, he is using really bad universal life at that.
He criticized whole life for being a bad permanent death benefit provider, and suggest a guaranteed no lapse UL instead, sighting WL would be devastated in eras of high inflation, yet he UL he was recommending has no inflationary protection whatsoever. Hypocritical point there. I can get into the downfalls of the No-Lapse UL's if you want me to.
When he was talking about returns, he still is looking at crap products (which I have mentioned there are a ton of). I'll guarantee he didn't do his analysis based off a NML policy or New York Life or Mass.