I'm on floor 5, and have upwards of a million dollars from insurance policies. They're utterly amazing. I didn't invest in this skill for so long, but at this point all the costs are laughable. I can buy out every store I encounter. Granted this is about how banking works in the real world, but is this intended?
Right now insurance can be taken out on corpses, which shouldn't be possible. It's slated to be fixed soon.