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Investment products that are not deposits, such as mutual funds, annuities, life insurance policies and stocks and bonds, are not covered by FDIC deposit insurance.
Many people use investment products to help buy a home, send children to college, or build a retirement nest egg. But unlike traditional checking or savings accounts, non-deposit investment products are not insured by the FDIC, even if they were purchased from an FDIC-insured bank.
The FDIC does not insure money invested in stocks, bonds, mutual funds, life insurance policies, annuities or municipal securities, even if these investments are purchased at an insured bank.
FDIC deposit insurance only covers certain deposit products, such as checking and savings accounts, money market deposit accounts (MMDAs), and certificates of deposit (CDs).
What Products Are Not Insured? Stock Investments. Bond Investments. Mutual Funds. Crypto Assets. Life Insurance Policies. Annuities. Municipal Securities. Safe Deposit Boxes or their contents.
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The FDIC played a primary role in stabilizing the banking system during various periods of turmoil in U.S. history, including during the Great Depression (1930s) when there was widespread bank failures, the Savings and Loan Crisis (1980searly 1990s) when there was a collapse of many of these institutions due to risky
The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nations financial system by: insuring deposits; examining and supervising financial institutions for safety and soundness and consumer protection; making large and
FDIC does NOT insure non-deposit investment products, such as stocks, bonds, government and municipal securities, mutual funds, annuities (fixed and variable), life insurance policies (whole and variable), savings bonds, crypto assets, etc.

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