Term life insurance is great for purchasing the maximum amount of death benefit for a certain period of time. More people should have this coverage to protect those who depend on their income. They don't though because they see the product as a cost they hope their family or business partners ever profit from.
Fixed cash value life insurance is an expensive way to get a death benefit for a short period of time. It requires more premium than term insurance for the same amount of death benefit.
The way to justify the purchase of cash value life insurance is if it can provide a benefit that makes something else in their life easier to accomplish and they would need to take a long term approach to that goal. These aren't "death benefit" goals. They are goals that give the policy owner the ability to manage risk, sleep better at night and spend more/live larger while alive than other alternatives that are available.
Cash value is the centerpiece for most of the financial plans I implement with clients because it manages risk with a decent rate of return. Of course, it manages risk because it is insurance. The attributes of the policy allows an investor to be more aggressive with the remainder of their portfolio. Some of my clients in 2013 received a 52% return in 2013 with more than 50% of their wealth in boring old cash value life insurance that all the experts tell people to avoid.
An individual should not rely 100% on cash value life insurance, however, they should own it and use it for what it is able to do for them.
The death benefit that cash value insurance can easily have a purpose in the plan a person has for themselves. This could be simply to delay Social Security for as long as one can to increase the payout (which is protecting the net worth a spouse or beneficiary will have due to the need to spend other assets during that wait time).
So is it worth it? Like any tool, if you know how to use it then any job can be easier.