A skilled financial advisor can provide an in-depth understanding of whole life insurance and help individuals navigate its intricate details. They can assess an individual's financial picture, goals, and aspirations, and recommend suitable whole life insurance plans. A financial advisor can also educate individuals about the contractual obligations, payment of premiums, and potential lapses in coverage to ensure they make informed decisions. Additionally, they can explore further options like irrevocable life insurance trusts (ILITs) and assist in estate planning strategies.