It would have to be 4 separate banks-—
NOT 4 different branches of the same bank—
Then insurance should kick in on each different account.
You cannot have different accounts with different names except under certain circumstances.
I once sat down & figured out how many different accounts I would have to have IF I won the Lottery.
Finally figured out a LARGE safe would work better!!
A large money bin,just beware of the beagle boys.🤪