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Insurance & investing, in plain English.

Short, practical articles to help you make better financial decisions.

Life Insurance

Term Insurance vs Traditional Plans: Which Builds Real Wealth?

Why pure term cover plus a SIP beats most endowment and money-back plans on every metric.

6 min readRead
Health Insurance

How Much Health Cover is Really Enough in 2025?

Medical inflation in India is running at 12-14%. Here's a simple framework to size your cover.

5 min readRead
Investments

The Step-Up SIP: India's Best Wealth Builder Nobody Talks About

A 10% annual step-up on your SIP can almost double your final corpus over 20 years.

4 min readRead
Claims

Health Claim Rejected? The 7-Step Recovery Checklist

A practical playbook for when an insurer denies or delays your hospitalisation claim.

7 min readRead
Tax Planning

Beyond 80C: 6 Underused Tax Deductions Salaried Indians Miss

NPS, parents' health insurance, home-loan interest, and four more deductions worth lakhs.

5 min readRead
Business

5 Insurance Covers Every SME in India Must Have

Fire, Liability, Cyber, Group Health, Workmen Comp — the essentials for any business owner.

6 min readRead
Samota InsuranceWe insure your happiness

We insure your happiness. A family-run insurance and financial planning firm since 1987, now led by Vinay Samota, CFP® — bringing 20+ years of personal advisory expertise to every family and business we serve.

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Disclaimer: Insurance is the subject matter of solicitation. Insurance is subject to policy terms and conditions. Claims are subject to insurer approval. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Samota Insurance n Investments acts as an authorised intermediary facilitating financial products.

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Founder: Vinay Samota, CFP®