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All classroom instruction is a waste of time and money. I scored a 10 on the old exam 110 Probability & Stats. I had taken one quarter in mathematical statistics and I got a B.

All professors are...

What your situation is exactly I don't know, but if you're interested in more money you should get an MBA majoring in finance from the best school you can get into and then try to get into investment...

And to what extent does liability insurance encourage law suits?

But why are deferred acquisition costs so high? Isn't this mostly sales expense?

Given the usual loss ratios I would expect return on equity to be higher for casualty insurers than the 12% average...

Looking at some income statements loss ratios are around 50% and deferred acquisition costs 25% depending on the company.

Looking at income statements I've found that deferred acquisition costs amount to about 25% of premiums and claims about 55% depending on the company.