Insurance needs - I think I have too much. FR is saying otherwise.

I am a 26F single, corporate career. I am never having children and marriage isn’t high on my list (mentioning that because of WL product). I currently have Whole Life Plus insurance with a current death benefit of $157k (premium $140/month), Term Life Insurance with a death benefit of $100K until I’m 100 ($55/quarter), and disability insurance ($3/month). I feel like considering I don’t have anyone to really pass stuff on to or a household reliant on my income (partner, kids, etc) that I don’t need that much insurance. My FR argued for me to keep the whole life because: Over time, this account is growing cash value in a tax-advantageous environment, and is something you can utilize during your lifetime for whatever your future may hold – taking vacations, buying cars, you name it.