This is insurance that you pay each year for insurance in that year and it does not build a cash value.

为了这种保险可以持续生效,你每年都要缴纳保费,保费不产生现金价值

耶鲁公开课 - 金融市场课程节选

And as an added incentive for you to pay attention, I'm going to warn you that this particular simulation will appear in the final or a variant of it.

作为提高你们注意力的激励，我要警告你们,这个特殊的仿真程,或者它的变种会再期末考试出现。

麻省理工公开课 - 计算机科学及编程导论课程节选