About H5Piko

Hi, I am Umer Shabbir, founder and editor of H5Piko. I have more than 10 years of experience working in insurance and personal finance, helping families understand policies, premiums and claims.

I built this site because most people buy life insurance without understanding the numbers. Each calculator uses transparent formulas and each guide explains them in plain English.

Content is reviewed regularly and is for education only. Contact me at Contact@h5piko.online.