The main power of this exotic is actually in its active use not the insurance policy. Fun fact when the low HP perk pops it actually dosn't count as you using your class ability. It will not activate things like Powerful Attraction and other mods associated. Now when using it actively you can get a list of benefits. #1 Sol Invictus gives you a TON of ability regen speed. If you use Towering Barricade you can create super safe spot to catch your breath or help you re position on a battle field. If you want to run Cure Grenades on bosses you can actually alternate between Barricade and cure to keep healthy the majority of the time. One final thing I will mention is you can run up to some bigger targets and plant your Barricade on them to not only disoriente them making it hard for them to attack, but you will also scorch them with the placed Sol Invictus. If you run throwing hammer you can then proceed to make this big enemy wish they had never been spawned. I use this tactic on solo warlords ruin.