What is a Passkey?
Justin Sonon • August 21, 2025
Learn more about passkeys

What Is a Passkey and Do You Need It for Your Business?
Passwords have been the backbone of digital security for decades, but they also come with risks. Weak, stolen, or reused passwords are a leading cause of data breaches. Enter the passkey, a newer, more secure way to log in.
What Is a Passkey?
A passkey is a passwordless login technology that uses cryptographic keys instead of traditional passwords. Instead of typing in a code you might forget (or hackers might steal), a passkey uses biometrics (like Face ID, fingerprint), or a device PIN to securely log you in. Think of it as a digital “key” stored safely on your device.
Passkeys are based on FIDO (Fast Identity Online) standards, which are designed to make online authentication both stronger and easier.
Why Are Passkeys Safer?
They cannot be phished because you’re not typing in something that could be tricked out of you.
They are not reused across multiple websites.
They rely on your device and identity (like biometrics), making them much harder to steal.
Do Businesses Need Passkeys?
For many businesses, yes. If you handle sensitive client data, financial records, or operate online accounts with customer access, passkeys can significantly reduce your risk of a breach. They’re especially valuable for:
Customer logins (e.g., client portals)
Employee access to company systems
Protecting cloud services where sensitive data is stored
The Bottom Line
Passkeys are quickly becoming the future of online security. While not every business must adopt them right away, they’re worth considering—especially if you want to stay ahead of hackers and give your clients confidence that their data is protected.
As good as passkeys are, they are still not a replacement for a good IT solutions provider
and a solid cyber liability insurance plan.
Recent posts

Why “Cancel for Any Reason” Travel Insurance Might Be the Best Thing Since Rolling Suitcases Picture this: you’ve been dreaming about your big trip. Tickets booked, bags packed, playlist ready. Then life happens, your cat decides to swallow a Lego, your boss suddenly “remembers” a big project, or you realize that a trip to a tropical island during monsoon season wasn’t your brightest idea. Normally, this is when you’d be stuck with the sad sound of money swirling down the drain. But if you’ve got travel insurance with Cancel for Any Reason (CFAR) coverage , you can laugh in the face of chaos (well, at least chuckle a little). The Perks of CFAR Coverage—With a Side of Humor 1. You Don’t Need a Good Excuse Traditional insurance : “Sorry, that doesn’t count unless your appendix explodes mid-flight.” CFAR coverage: “You woke up and decided you’d rather binge-watch Netflix in sweatpants than fly across the ocean? Cool—we’ve got you covered.” 2. You’re Protected From Family Shenanigans Maybe your cousin suddenly schedules their wedding the same week as your dream cruise. With CFAR, you can cancel the trip and still show up awkwardly holding the world’s most boring salad bowl from their registry. 3. Weather Can’t Ruin Your Parade Who among us hasn’t booked a beach vacation only to arrive during torrential rain? With CFAR, you can check the forecast a few days before and bail, saving yourself from 7 days of Monopoly in a damp hotel room. 4. Peace of Mind for the Overthinker For those who like to plan Plan A, B, and C… and a backup Plan D (just in case aliens land), CFAR is like a security blanket. You don’t have to justify your panic. Cancel. Reschedule. Repeat. 5. Because Sometimes, You Just Don’t Feel Like It Life’s unpredictable. Maybe you’re not sick, maybe no one died, maybe nothing dramatic happened…you just don’t want to go anymore. CFAR says, “That’s enough reason for us.” The Fine Print (Without the Boring Lecture) Most CFAR plans will reimburse up to 75% of your prepaid, non-refundable trip costs—as long as you cancel within the allowed timeframe (usually 48 hours before departure). But hey, that’s a whole lot better than the 0% refund you’d otherwise get for your spur-of-the-moment decision to stay home with your dog. Final Boarding Call Travel is supposed to be fun. Worrying about “what if I need to cancel?” isn’t. That’s why Sonon Insurance recommends adding CFAR coverage to your travel insurance, so whether it’s a real emergency or just an “I’d rather not,” you won’t lose everything you invested in your adventure. Because at the end of the day, sometimes the best trip… is the one you didn’t take.

Final Expense Life Insurance vs. Prepaying a Funeral Home: What’s the Smarter Choice? Planning for the future isn’t easy—but making sure your loved ones aren’t left with financial burdens is one of the kindest gifts you can give. When it comes to covering funeral costs and end-of-life expenses, you generally have two options: 1. Prepaying a funeral director for services 2. Purchasing final expense life insurance At Sonon Insurance , we believe it’s important to understand the differences before you decide. Prepaying a Funeral Director Some families choose to pay a funeral home directly in advance. While this can lock in today’s prices, there are potential drawbacks: Funds are tied to one provider – If you move or change your mind, transferring prepaid plans can be complicated. Limited flexibility – Prepaid contracts usually only cover what’s outlined in the agreement (specific services, merchandise, etc.). Risk of underpayment – If costs rise or additional expenses come up, your family may still need to pay more. Business risk – Unlike large insurance companies that are heavily regulated and financially backed, funeral homes are small businesses. If the funeral home closes or goes out of business, your prepaid funds may be lost or difficult to recover. Final Expense Life Insurance Final expense (or burial) life insurance is a small, permanent life insurance policy designed specifically to cover funeral and end-of-life costs. Benefits include: Flexibility – Your loved ones can use the benefit not only for funeral costs, but also medical bills, outstanding debts, or other needs. Portability – Your policy isn’t tied to a specific funeral home. No matter where life takes you, coverage stays with you. Guaranteed payout – As long as premiums are paid, your beneficiary receives the cash benefit directly, tax-free. Trusted stability – Large insurance companies have long track records, strong financial reserves, and regulatory oversight—making them far less likely to fail compared to a single funeral home business. Peace of mind – Instead of being locked into a contract, your family can choose the arrangements that fit best when the time comes. Which Is Right for You? While prepaying may work for some, final expense life insurance often provides more protection, flexibility, and financial security. It ensures your loved ones aren’t locked into one plan, and it protects your money with the strength of a large insurer—something a single funeral home simply can’t guarantee. Sonon Insurance Can Help At Sonon Insurance , we guide families across Pennsylvania, Maryland, Illinois, Delaware, New Jersey, Florida and beyond in planning for the future with compassion and clarity. We’ll help you compare options and find an affordable final expense plan that protects your family, without any broker fees. 👉 Contact us today to learn how final expense life insurance can give you and your loved ones lasting peace of mind.