"if the owner of a single account has designated one or more beneficiaries who will receive the deposit when the account owner dies, the account would be insure

"if the owner of a single account has designated one or more beneficiaries who will receive the deposit when the account owner dies, the account would be insured as a revocable trust account." (page 4) Doesn't this quote mean your method would only let a single person have 500k insured? Since any third account that names a second POD beneficiary would be considered a revocable trust and there is a limit of 250k for all of one person's revocable trusts (page 3)?