It is particularly useful for those who earn lump-sums at irregular intervals, and seek a way of buying protection without committing themselves to regular annual or monthly payments.

A Swarnashakthi policy gives a good return for your investment, and is extremely useful for those who have taken out survival benefit policies. It acts as a useful vehicle for investment of the survival benefit as and when it is received.

It acquires a surrender value almost immediately it is taken, and hence can be used as co-lateral for borrowing from any lending institution.