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**Important Considerations:**
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If you have a lot of money to protect, consider spreading your deposits across multiple banks. This strategy helps ensure that your funds remain within the insured limits, because the $250,000 limit applies per bank. Don't put all your eggs in one basket. Also, consider different ownership structures. Setting up joint accounts, trust accounts, or payable-on-death (POD) accounts can help maximize your coverage because each structure creates a different ownership category. Finally, review your accounts regularly and update your beneficiary designations as needed. Life changes – marriage, divorce, births, deaths – and your beneficiary designations should reflect those changes. It’s always smart to have a plan and review it to make sure it is up to date.
