When is permanent life insurance a better choice than term insurance?

95% of the population is probably fine with the term, but the following situations could favor whole or permanent life insurance. The main reason for life insurance is income replacement in the form of a death benefit.
It could make sense in a situation where you have a special-needs child, and you want to ensure you leave them something. It can also come in handy if bought within a trust to take care of estate taxes once you are gone.