People can't pay --they can't pay a high interest if they don't have it as a long-term loan.

如果银行不发放长期贷款,他们就不能够支付高额利息

耶鲁公开课 - 金融市场课程节选

You can pay more into the cash value in one year and less in another year, as long as you keep paying a minimum amount.

你可以在某一年支付更多的现金,而在另一年支付少一些,只要投保人满足最低缴费要求就行

耶鲁公开课 - 金融市场课程节选