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No need to insure! They are "rice krispie" pearls, freshwater pearls cultured in Cristaria plicata, the cockscomb mussel, in China. I do not recognize the "L" mark but it is 14k gold.

Post better photos when you get it. Could be Tahitian but could be FWP.

Thank you! And we DID see the mark recently--- which you identified: https://www.pearl-guide.com/threads/can-you-tell-me-about-these-pearls-are-they-german.462951/

Do you think she has the dexterity to operate it?

The ruby grotto is very pretty!

Yup, lots of fake graduated strands out there! But that's logical, right? Back when most pearl strands were graduated, of course the fakes would be, too, the better to imitate.

Bean-type clasps are easy to use. I strung one of my husband's Tahitians with one of those. They are one-touch.

Yes, that is how I understand it.

Also-- you could get a AAA instead of Hanadama. Hanadama pearls are AAAs that have been certified by the Pearls Science Lab (or the GIA) to meet certain minimum standards, but a carefully chosen AAA would also be great, and then you could get the larger pearl. Also-- I don't think single pearls...

You may consider getting on email lists for announcement of sales. Discounts of 15-20% off are not unusual, especially with holidays approaching. Then you could get a larger pearl for less.

For a pendant? Sacrifice size, no question. Pearls are all about luster and as this will be a stand-alone pearl, you will want it to look fabulous. BTW many have noted that high luster makes a pearl look larger, and I agree. Especially a white pearl.

For a lot of great photos, I suggest you browse this thread: Show us your pearls in action

How would you like to wear it? If you are looking for a large pearl to be worn on a long chain, then look at larger freshwaters, Tahitians or south sea pearls, since akoyas don't grow very large. If you want a daintier size pearl to be worn on a shorter chain, then go for the highest luster you...

Freshwaters, all.

I think #3 and #4 are the same necklace. #1 seems to have a jump ring. And of course #2 are loose pearls.

The first photo pearls appear to be imitation but I'd like to see them spread out to judge them better. Second photo, can you take the photo again from a different angle? One of those pearls seems to have the kind of divot we see in real pearls. Photos 3 and 4, freshwaters.

That built up coating around the drill holes is often found in imitation pearls. The surface, magnified, also look imitation.

I felt like putting this necklace on today. These are the 6.2-9.0 mm akoyas I found at a local consignment shop a few years back. The nacre is thick and the clasp is 14K with 3 little diamonds. The necklace is 18" long. These were grubby and needed restringing, so they were bargain priced...

I feel like we saw something like this mark recently on the forum but can't recall where.

I think baroque akoyas.