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<h1>Flexible life insurance savings plan provides customizable income options with premium waiver and bonus accumulation features.</h1> The Shubh Flexi Income Plan is a non-linked participating policy offering three selectable benefit architectures - Endowment (lump-sum maturity), Early Income (annual cash bonuses from year one), and Deferred Income (bonus accumulation with deferred payouts). Protective mechanisms include Waiver of Premium and Cover Continuance to maintain benefits after the policyholder's death, plus a Sub Wallet to accumulate and apply bonuses, and targeted premium discounts for female policyholders and family members.