We have been discussing how quickly J will need to go on her new policy once she is married. I get different answers from whoever I talk to at our agent's office. One says as soon as she's married; another says there isn't a big rush (meaning she could wait a month or so).
I recommend that J and her husband get their own policy as soon as possible - arrange it before the wedding to take effect on the wedding date. Both of them will immediately experience a significant drop in the premium price just because they are married - much less than being on your policy. If you want to help them with the initial payment, that would be a nice gesture. After all, as soon as she is off your policy it will save you money.