you are insured about to 100k per vesting. ie:
My spouse and I= insured for 100k
My spouse and I w/ child #1 as POD= another $100k
My spuse and our child# 2 as POD= another $100k
and so forth. Therefore, you are insured for over 100k, (even if it is the same bank) It is all in the titling of the accounts
FYI: I have been in banking a llllllooooongggg time
