Comprehensive Life Insurance Solutions

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About Us

**Are You Truly Ready for Retirement — or Just Hoping for the Best?**

Most Americans over 50 aren't just worried about "if" they can retire — they're wondering how they'll stay retired comfortably. The good news? You don't have to guess or hope.

Knowing your Financial Independence Number and having the right protection in place can help you build a secure, peaceful retirement you can truly enjoy.

Are you unsure how much money you’ll really need to retire without stress?
Are you worried about unexpected health issues wiping out your savings?
Are you working hard now but unsure if you're building the protection you’ll need later?
Do you wonder if you’ll have enough to enjoy your golden years without fear or burden?
You’re not alone.
And it’s not too late to take the first simple steps toward your happiest, most secure future.

retire happy!

Are you unsure how much money you’ll really need to retire without stress?

Are you worried about unexpected health issues wiping out your savings?

Are you working hard now but unsure if you're building the protection you’ll need later?

Do you wonder if you’ll have enough to enjoy your golden years without fear or burden?

You’re not alone.

And it’s not too late to take the first simple steps toward your happiest, most secure future.

Are you unsure how much money you’ll really need to retire without stress?
Are you worried about unexpected health issues wiping out your savings?
Are you working hard now but unsure if you're building the protection you’ll need later?
Do you wonder if you’ll have enough to enjoy your golden years without fear or burden?
You’re not alone.
And it’s not too late to take the first simple steps toward your happiest, most secure future.

Health and Lifestyle Review: Reviewing your medical history, lifestyle habits, and any pre-existing conditions to assess the risk and determine the premium rate.

Beneficiary Designation: Discussing your wishes regarding the designation of beneficiaries and ensuring that your policy aligns with your estate planning goals.

About Us

Before You Make Another Retirement Move, Avoid These 3 Common Mistakes:

Guessing your retirement number. Most people retire based on feelings, not facts. Know your true Financial Independence Number

Leaving your income unprotected. A major illness could wipe out years of savings. Living Benefits protect your future without extra stress.

Delaying the conversation. Waiting until "later" often turns today's simple solutions into tomorrow’s expensive problems. It’s easier to prepare now.

Retirement isn't an age.

It's a mindset. It's a plan.

It's wisdom applied.

Retirement isn't an age. It's a mindset. It's a plan. It's wisdom applied.

I'm Jean-Claude Babin, a financial professional who believes that retirement should be a season of joy, not fear. For most of my life, I watched my father work tirelessly — believing that one day, after years of hard work, he would finally enjoy a well-earned retirement. But when that day came, reality looked different.

His pension — the reward he had counted on — was barely enough to cover basic needs. That experience opened my eyes. I realized I was on the same path- working hard, hoping for the best, but without a true plan for lasting financial freedom.

Everything changed when I learned about the Financial Independence Number — the real number every person should know to retire with confidence — and the simple strategies that could transform a lifetime of work into a lifetime of peace and fulfillment.

Today, my mission is simple: To help individuals and families retire by design, not by default.

Through education, planning, protection, and wise strategy, I help people build a future they can look forward to with confidence — not fear.

You deserve more than just hope. You deserve a plan rooted in wisdom, diligence, and real understanding.
Let’s build it together.

Frequently Asked Questions

What is life insurance, and how does it work?

Life insurance is a contract between you and an insurance company, where you pay regular premiums, and in return, the company provides a lump-sum payment, known as a death benefit, to your beneficiaries upon your passing. This payment can be used to cover expenses such as funeral costs, mortgage payments, and other financial needs.

What types of life insurance policies are available?

There are primarily two types of life insurance: Term life insurance, which provides coverage for a specified period (e.g., 10, 20, or 30 years), and Whole life insurance, which offers lifelong coverage and includes a savings component that builds cash value over time.

How much life insurance coverage do I need?

The amount of life insurance you need depends on your financial obligations, such as mortgage payments, outstanding debts, future education costs, and your family's living expenses. A general rule of thumb is to have coverage that is 5-10 times your annual income, but this can vary based on individual circumstances.

Can I change my life insurance policy after purchasing it?

Yes, many life insurance policies offer flexibility. You may be able to adjust your coverage amount, convert a term policy to a whole life policy, or add riders for additional benefits. It's important to review your policy regularly and discuss any changes with your insurance advisor to ensure it continues to meet your needs.

Is there a cost for the Retirement Readiness Call?

No. It’s a completely free conversation to help you gain clarity and peace about your retirement options.

Do I have to buy anything?

Absolutely not. This is about helping you understand your numbers, your needs, and your opportunities.

How long does the call take?

About 20–30 minutes. Enough time to answer basic questions and help you see your next steps clearly.

What if I already have a retirement plan?

Great! We can review it with you to ensure it’s aligned with your current goals and protected against unexpected life events

What is life insurance, and how does it work?

Life insurance is a contract between you and an insurance company, where you pay regular premiums, and in return, the company provides a lump-sum payment, known as a death benefit, to your beneficiaries upon your passing. This payment can be used to cover expenses such as funeral costs, mortgage payments, and other financial needs.

What types of life insurance policies are available?

There are primarily two types of life insurance: Term life insurance, which provides coverage for a specified period (e.g., 10, 20, or 30 years), and Whole life insurance, which offers lifelong coverage and includes a savings component that builds cash value over time.

How much life insurance coverage do I need?

The amount of life insurance you need depends on your financial obligations, such as mortgage payments, outstanding debts, future education costs, and your family's living expenses. A general rule of thumb is to have coverage that is 5-10 times your annual income, but this can vary based on individual circumstances.

Can I change my life insurance policy after purchasing it?

Yes, many life insurance policies offer flexibility. You may be able to adjust your coverage amount, convert a term policy to a whole life policy, or add riders for additional benefits. It's important to review your policy regularly and discuss any changes with your insurance advisor to ensure it continues to meet your needs.

What is life insurance, and how does it work?

Life insurance is a contract between you and an insurance company, where you pay regular premiums, and in return, the company provides a lump-sum payment, known as a death benefit, to your beneficiaries upon your passing. This payment can be used to cover expenses such as funeral costs, mortgage payments, and other financial needs.

What types of life insurance policies are available?

There are primarily two types of life insurance: Term life insurance, which provides coverage for a specified period (e.g., 10, 20, or 30 years), and Whole life insurance, which offers lifelong coverage and includes a savings component that builds cash value over time.

How much life insurance coverage do I need?

The amount of life insurance you need depends on your financial obligations, such as mortgage payments, outstanding debts, future education costs, and your family's living expenses. A general rule of thumb is to have coverage that is 5-10 times your annual income, but this can vary based on individual circumstances.

Can I change my life insurance policy after purchasing it?

Yes, many life insurance policies offer flexibility. You may be able to adjust your coverage amount, convert a term policy to a whole life policy, or add riders for additional benefits. It's important to review your policy regularly and discuss any changes with your insurance advisor to ensure it continues to meet your needs.

Testimonials

I never realized how important life insurance was until my close friend experienced a sudden loss. I immediately sought out Gems & Fish, LLC, and the experience was nothing short of excellent. The advisors were knowledgeable and compassionate, helping me navigate the process with ease. Now, I feel confident that my family won't face financial hardships in the event of the unexpected. It’s more than just a policy—it’s a promise to those I love.

James R

Choosing life insurance with Gems & Fish, LLC was one of the best decisions I've ever made. The peace of mind knowing that my family will be financially secure, no matter what happens, is invaluable. The team was incredibly patient and took the time to explain all my options, ensuring I found the perfect policy to meet my needs. I can now focus on living life to the fullest, knowing that my loved ones are protected.