<h1>Life insurance flexibility enables adaptive coverage and premium options to match life events and income changes.</h1> Sampoorna Raksha Promise is a term insurance product offering life coverage with modular features: defined eligibility and flexible policy and premium payment terms; core and joint plan options; in-built terminal illness benefit with premium waiver; spouse inclusion; female premium rebates; and a FlexiPay option to defer premiums for up to twelve months while retaining cover. Coverage can be increased on specified life events or by annual top-ups and reduced after specified periods. Optional riders permit additional accidental, critical illness, or disability cover. A defined claim process and purchaser considerations are set out, with exact terms in the policy contract.