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Family of four with 16 separate accounts

Individual
HusbandIndividual$250,000
WifeIndividual250,000
Child #1Individual250,000
Child #2Individual250,000

Joint
Husband / WifeJoint250,000
Husband / Child #1Joint250,000
Wife / Child #2Joint250,000
Child #1 / Child #2Joint250,000

Payable on Death
HusbandPOD / Child #1250,000
HusbandPOD / Child #2250,000
WifePOD / Child #1250,000
WifePOD / Child #2250,000
HusbandPOD / Wife250,000
WifePOD / Husband250,000

IRA
Husband250,000
Wife250,000

Total$4,000,000

* Insured amounts are valid through .