The bank accounts are Foreign Financial Accounts, Type: Deposit
If the life insurance policies meet either the Cash Value Accumulation Test and the Guideline Premium Requirement/Cash Value Corridor Test, they are not considered an investment and do not need to be reported on Form 8938 or FinCEN Form 114. If they fail either of these tests they are considered investments and are subject to reporting.
The Electronic Wallet accounts such as PayPal would be considered Deposit accounts.
If your "security accounts" do not have any assets, then they are not subject to withholding. If they have any assets, they would be reported as "Other Foreign Financial Assets".
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