I cook beans every week in my Instant Pot, on either the "beans" or slow cook settings.
I haven't seen beans splitting, but the brown lentil skins do come off. I never worried about that though.
I grew up eating Middle Eastern lentil soup and mujadara (lentils and rice), and that's just how lentils are
.
Maybe you could look for a different source of beans, or a different brand. If you are buying them from bulk bins, there is no way to tell how old they are. I usually buy in large plastic bags for either my local big box store, or Hispanic groceries.
If you have access to a Hispanic market, that might be the best place. They have more turn over of products because beans are so important in their cuisine. Also, they have different varieties of beans that you might like to try.
Good luck, and enjoy your beans!