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The purpose of a life cycle in the Systems Development Life Cycle (SDLC) is to assist in the management of a complex project by breaking it into individual, manageable steps. This structured approach allows teams to systematically plan, design, build, test, and deploy a system, ensuring that no critical aspect is overlooked and that each phase builds on the previous one.

By following this sequential process, organizations can maintain clarity and focus, enabling better communication among stakeholders, tracking progress, and managing resources effectively. The life cycle delineates specific stages, such as requirements gathering, design, implementation, testing, and maintenance, which facilitates a disciplined method for project management. This helps in identifying issues early, allocating resources efficiently, and adhering to timelines, ultimately leading to a higher quality end product.

The other options do not accurately convey the purpose of the SDLC life cycle. Increasing costs would not be a desirable outcome, while eliminating all risks is unrealistic, as every project has inherent uncertainties that need to be managed rather than eliminated. Finally, speeding up project completion without planning goes against the fundamental principles of the SDLC, which emphasize the importance of thorough planning and execution at each stage to achieve the desired outcomes.