Each depositor insured to at least $250,000 per insured bank. Understanding Deposit Insurance. The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects the funds depositors place in banks and savings associations.
The reasons vary (twin pregnancies are high risk pregnancies and are susceptible to more complications than singletons, often leading to early or premature births). The average gestation period for twins is 36 weeks, but it is not uncommon for twins to be born as early as 28 weeks, or as late as 40 weeks.
Twins are usually born earlier than singleton babies and in fact, are considered to be 'at term', or fully ready for birth at 37 weeks, as opposed to 40 weeks for singletons. About half of twin pregnancies make it to term, the other half are born prematurely to some degree.