Sands Insurance

If you are in your 30s and keep putting off life insurance, this one is for you. 👇

The difference between buying at 35 vs 45 is not small.

Same coverage. Same company. Just a different age.
💚 Buy at 35: around $25 per month
💙 Wait until 45: around $55 per month
❌ Extra cost over 20 years: around $7,200

That is $7,200 extra just for waiting a decade.

The younger and healthier you are when you lock in a rate, the lower it stays for the entire term. Waiting does not just cost you now. It costs you every single month for 20 years.

Swipe through to see the full breakdown 👉

If you have been putting it off because it feels complicated or expensive, a quick conversation usually changes that.

DM us LIFE or call 515-965-2429. No pressure, no jargon, just straight answers.
📍 Sands Insurance, Ankeny Iowa
🌐 sands-insurance.com

You drive to job sites. You run business errands. You haul equipment in your personal vehicle.

But here is the question most Iowa drivers never think to ask. 🤔

Is your personal auto insurance actually covering you when you do that?
Here is what most people do not know.

Personal auto insurance has a business use exclusion. ⚠️

If you are using your car for work purposes and you get into an accident on the way to a job site or while running a business errand, your claim could be denied.

Not partially covered. Fully denied.

Your insurer will ask what you were doing at the time of the accident. If the answer is anything work related, a standard personal auto policy may not pay out a single dollar.

This catches a lot of Iowa families and self employed people completely off guard. 😟

The fix is simple. You need either a business use endorsement added to your personal policy or a separate commercial auto policy depending on how often and how heavily you use the vehicle for work.

But you have to ask for it. It does not get added automatically.

As an independent agent I review this every time I look at a client's policy. You would be surprised how many people are driving around fully exposed without knowing it.

If you use your personal car for work even occasionally, let us take a look. 👇

15 minutes. Free. No pressure.

📍 Sands Insurance, Ankeny Iowa
📞 515-965-2429
🌐 sands-insurance.com