

Yes.
Not only that, the current generation of smoke detectors have sealed batteries so you can’t even open them up to change batteries or anything. So once they expire in 10 years they start their incessant “I’m dying” non-stop beeping - that’s when you dispose of the entire smoke detector and buy a new one.
I’ve read that they don’t detect smoke as well after 10 years anyway (e.g. even more false alarms) so it’s probably for the best to get rid of old ones.


Yes. In fact that’s how banks and brokerages try to retain FDIC insurance with larger sums of money e.g. Fidelity’s sweep accounts are actually spread across many accounts under $250k each. See the Deposit Sweep Program info at https://www.fidelity.com/why-fidelity/safeguarding-your-accounts