EACH SSN is $100K, however how the accounts are titled is CRUCIAL. In my Spouse A & B example you could still lose $50K with $200K in the bank..
A couple can have (at least) $200K per bank.
The POD options are powerful. Did you read them ?
A crazy story I saw recently was a man had died on the same day that a bank was seized by fed’s, so the wife wasn’t covered by the POD because she had a separate account of her own for $100K,,, HOWEVER, the bank was taken over at 3pm, and he didn’t die until 10pm, so at 3pm he was still alive AND still insured… (Could be urban legend)
