If you're not paying her a fee, then how is she getting compensated? If it is commission on insurance or fund purchases, then she may have a conflict of interest.

A fiduciary is someone who must act in your best interest. Not all advisors are.

I have an advisor. I pay him a quarterly fee. He makes no money from my investments and in fact, he just tells me what to do and has no trading access to my accounts. I just provide him account statements each month.

I would find out if she makes any commission off of the whole life insurance

Ask her to explain how whole life is better for you than term life plus investing the difference in a low cost index fund.

If she is not a fee only advisor and a fiduciary, then beware