Whole life" is more complicated because it builds a cash value according to a schedule and there is both non-participating and participating.

终身人寿保险则更为复杂,因为它会按照购买计划产生现金价值,其中又分为非参与式分红保险和,参与式分红保险两种

耶鲁公开课 - 金融市场课程节选

Yeah, I think it happens when your schedule does not work out the way you expected it to.

会的。有的时候你的生活并不能按照你所设想的计划进行。

临时抱佛脚？也做过 - SpeakingMax英语口语达人