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.

Term Cover When Expenses Keep Rising

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Household budgets are no longer predictable. Prices for food, rent, fuel, and education often rise faster than salaries. If you calculate insurance or emergency cover based only on today’s costs, you may fall short when expenses climb. Learning how to factor in rising and unstable expenses is necessary to avoid being under-insured.  Cheat sheet Expenses … Read more

Pure Term vs ROP: Pay Extra for Money Back?

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Life insurance is meant to protect, not profit. Yet in India, many hesitate to buy a product where “nothing comes back.” That’s why term insurance with return of premium (ROP) plans remain popular. They promise full premium refund if you survive, unlike pure term insurance which only pays on death. But does that make them smarter? Or is pure … Read more

Common Mistakes When Buying Term Insurance

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Buying term insurance should be simple. It’s the most no-nonsense financial product out there: pay a small premium today to protect your family with a large sum assured tomorrow. Yet, despite its simplicity, most buyers in India either avoid it altogether or buy it wrong. Here’s a fact that should worry you: while life insurers … Read more

How to Buy Term Insurance Offline in India

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Online term insurance gets the headlines, but most Indian families still buy through the traditional offline route. According to IRDAI’s 2024 annual report, nearly 45% of life insurance premiums were still sourced through offline channels such as agents, bancassurance, and branch visits. This preference exists because many buyers value face-to-face interaction, guidance, and handholding in navigating complex financial products. In … Read more