Insurance Companies sell information to clients, written in contracts called policies. Clients buy those contracts by paying a premium. Those contracts are promises to pay for possible future casualties. Thus, it is essential to manage information flows to improve profits and stability. Loss Ratio LR, claims cost to premiums ratio, is a key profitability factor, used for management and underwriting decisions with the help of different actuarial models. However, the fragmented visions provided by those actuarial models, mislead decisions and deteriorate performance. This paper integrates basic insurance statistics into a comprehensive SD model, to price insurance coverage. The emphasis is stressed on modeling rather than on policy design, so experience can be used elsewhere; however, tampering and major deteriorating loops are analyzed. Policy design complement policy underwriting.