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For my Auditing class, I have to answer this question and I want your opinion. The question:

"You are auditing a medium-size manufacturing company. Discuss which is usually more important: the audit of prepaid insurance or the determination of the adequacy of insurance."

MY ANSWER:
While both objectives are important, it is more important to audit the adequacy of insurance coverage than the prepaid insurance balance. The adequacy of insurance coverage would ensure that the client company would be a going concern if a catastrophe were to occur. An unqualified opinion on a client with inadequate business continuity, product liability, or general liability insurance coverage could lead to considerable liability on the auditor, if the client was forced out of business. Prepaid insurance is an asset created due to timing differences between insurance policy coverage dates and the date of the financial statements, and prepaid insurance is not usually a significant part of the balance sheet.

What do you think?

The question does not mention whether you are performing an audit of the company’s financial statements or of operations.

As an auditor of the financial statements (probably an external audit), you are responsible for the accurate presentation of the financials, so pre-paid insurance would be more important.

As an auditor of operations (as an external audit or internal audit), you are responsible for the effectiveness and efficiency of operations, as well as compliance. Adequacy of insurance would be more important because of its impact to operations. In addition, Company contracts/agreements/leases may require specific levels of insurance.

This all ties back to the general COSO objectives of: Reporting, Operations, & Compliance.

Looking to work at home as an insurance agent – I have a liscense but I don’t want to do any MLM thingie or spend a ton of money buying crappy leads for a company that promises the moon and the stars. I want to do my part but I want a company that keeps their word (integrity)

"If a company requires initial payment from you in order to work for them, they are not legitimate."

There are a few legitimate data entry companies but are not hiring and have large waiting lists (1-2yrs). The majority of data entry jobs you seen online are scams. A real company will want you to have skills inc fast typing, may want you to know MS Excel, and will usually ask that you have high speed internet. Once in a long while you may found one online on a job website but thats rare.

If you do an advanced search on yahoo, you will find previous answers, sometimes the info on these is good as the info they gave is likely to have been verified if the answer was voted as ‘Best’.

http://dataentry-jobsearch.blogspot.com/

has some good information on how to search recruitment websites for work at home positions.

Quality Insurance Leads company u suggest…..?
Hello everyone… I am trying to organize everything to open my small insurance agency to offer auto, home, life, disability, healthy insurance services… I do have a marketing strategies but I also want to buy leads so I can supplement my marketing. My question would be what is a good company to work with to buy leads from that has a good quality leads with occurent information and if you did use any company what was the closing ratio… I appreciate every comment, opinion, or advise you have for me… please I want to hear what you have to say about leads and what company should I use based on your experience… Thank you

I use NetQuote currently. The person who set me up was great and they even gave me a month for free to check and see how it worked out for me because they were so confident that I would do well with them. I close about one out of every four that I buy. I would be happy to pass on their information to you so that you can see if they operate in your area

Wanting to expand product offerings, thus I need to ween off of company provided leads as my only source for prospects.

I am an insurance agent and use InsureMe for leads. I also work as an affiliate for InsureMe.

InsureMe’s lead pricing is very simple and depends on the base price of the referral type you’re interesed in and, any filters you apply to your profile.

Referral Base Prices By Insurance Type
Insurance Type Price
Auto $ 4.95
Home $ 8.95
Health $ 6.95
Life $11.95

InsureMe has a deal right now where you get 5 free leads to try them out without further obligation.
https://agent.insureme.com/AgentSignUpContactInfo.aspx?Refby=A614579

Other companies I use:
Hometownquotes

Good luck!
Ron @ InsureMe

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http://www.malmanlaw.com Joliet Car Accident Attorney. Call Will County Car Accident Attorney Steven Malman today.

Car, truck, and motorcycle accidents claim the lives of thousands and lead to hundreds of thousands of personal injury tragedies in the U.S. annually. In fractions of an instant, your and your families lives can change forever. The crunch of a windshield, the screams of your fellow passengers, and the foggy disorientation of the aftermath can replay in your mind for months if not years afterwards.

On top of the immediate panic and pain, you must obtain emergency medical care, recover from injuries, deal with medical bills, insurance companies and employers, and process the stress and trauma. The good news is that you dont have to do this all alone. The Law Offices of Steven J. Malman & Associates can leverage the skills of our battle proven Chicago personal injury lawyers to fight for your rights. You may be able to obtain compensation for your injuries, wages lost (both current and future), and pain and suffering.

If youve been hurt in a Chicago car accident, first and foremost, obtain emergency medical care. Take photos of the accident scene and of your injuries. Collect the names, numbers, and addresses of anyone involved in or who witnessed the accident. Good information gives you power to negotiate effectively. For instance, did you know that federal law requires semi truck drivers to maintain a daily logbook of their activities? If a semi truck hit you, and you can prove the driver had logged more hours than he was legally allowed, you can win a liability claim and collect compensation.

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