offshore bank accounts
 

are any offshore bank accounts insured at all?

Yes... go with a larger off shore bank though... If they are small and you put a lot of money in an account they might just not give it to you...

Offshore banking is a good way to get audited.
Incorporate out of the country!

Adhering to the law is one way to avoid non-random IRS audits.

http://www.irs.gov/pub/irs-pdf/f9022-1.pdf

Comply with the filing requirements.