Hardik Lashkari

Hardik Lashkari is a Chartered Accountant and finance content specialist with over six years of experience writing for fintech and financial services brands. He specialises in translating complex financial topics into clear, credible content — from insurance and taxation to investing and personal finance. At Gyansurance, Hardik covers the how-to side of term insurance: buying guides, policy maintenance, digital underwriting, and the fine print buyers often miss.

How to Maintain Your Term Insurance Policy

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You spent weeks researching term insurance. You compared plans, filled out medical forms, paid your first premium. Your family is protected now, right? Not quite. Here’s the uncomfortable truth: nearly 25% of term insurance policies in India lapse within the first five years. That means one in four families loses their coverage before they ever … Read more

How to Buy Term Insurance in India

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Buying term insurance in India feels like navigating a maze blindfolded. You know you need it, but the jargon, the riders, the medical tests, the fine print: it all adds up to decision paralysis. And then there’s the elephant in the room: that deep-seated trust deficit. Will they actually pay when the time comes, or … Read more

Why People Pick Wrong Term Insurance Duration

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When buying life insurance, many Indians instinctively choose the longest cover: sometimes till age 99. It feels safe, like a lifelong guarantee. Yet this choice is often driven by psychology, cultural norms, and marketing rather than actual financial need. Understanding these influences helps buyers make rational, cost-effective decisions.  Cheat sheet 10.1 lakh Individual death claims … Read more

Should You Pause Your Term Insurance?

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You have been paying your term insurance premium faithfully for years. Then life throws a curveball: a job loss, a medical emergency, or an unexpected expense that stretches your budget to the breaking point. The premium due date arrives, and you are wondering whether you can simply “pause” your payments without losing everything. Some insurers … Read more