Disadvantages: only protect the risks in a certain period.
Whole life insurance: Advantages: Guarantee more peace of mind in life, and always hand over the risks to the insurance company.
Disadvantages: the rate is more expensive.
Short-term insurance is suitable for solving the situation that some people have greater responsibilities in a short period of time. Long-term insurance is suitable for taking away eternal troubles.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.