In The event of a wind fall of money, say 10 or 11 million or more, what is the best way to deposite an amount like that? Knowing that regular banks only insure for the 100,000, and I believe another 100,000 if married, what is a course of action.

It would be best if you deposited all of it into the Bank of SpaceRatt.

First a lot would be put most likely into other forms of investments besides a bank, Also check to see if that is per account but you also divide amount several banks.