The asset most susceptible to theft and misuse is

The subsidiary ledger containing the individual accounts with customers.

What will be an ideal response?

Which of the following situations would NOT be considered an unfair claim settlement practice according to the NAIC Model Act?

a. Settling a claim for an amount that was less than the insurance advertisement given to the insured indicated at the time of the insurance application. b. Issuing a denial of claim before conducting a reasonable investigation. c. Binders Keepers Insurance routinely fails to acknowledge pertinent communications regarding claims within the time frame required by state law. d. Indemnify Insurance pays thousands of claims per year, but on two of those claims they failed to accept or deny the claim within the time frame required by state law.