A company initially records a full advance payment for insurance as an expense. What year-end adjustment is needed for the unexpired portion?

Correct answer: B. Debit prepaid insurance and credit insurance expense

  • A. Debit insurance expense and credit prepaid insurance
  • B. Debit prepaid insurance and credit insurance expense
  • C. Debit cash and credit insurance expense
  • D. Debit insurance expense and credit cash

Explanation

The unexpired portion provides a future benefit, so it is an asset rather than a current expense. Debiting prepaid insurance and crediting expense removes that portion from the current year's cost.

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About Accruals, Prepayments and Provisions

Accruals and prepayments adjust income and expenses to the accounting period in which they are earned or incurred, following the matching principle. Provisions recognise expected obligations or losses when their amount or timing is uncertain, which distinguishes them from ordinary accruals and from general reserves.

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