This is something that's often called term insurance.

这就是通常所说的定期保险。

Certain types of insurance, called " term insurance" , are merely for your protection over a given period of time and do not build up reserves.

某些类型的保险， 称为“定期保险” ，仅在给定时间段内为您提供保护， 不会积累储备金。