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Yield Protection / Actual Production History Insurance

Crop insurance for yield losses due to natural causes such as drought, excessive moisture, wind, frost, insects and disease.

Product Overview

Understanding Yield Protection / Actual Production History Insurance

Yield Protection / Actual Production History is an insurance product specifically designed to protect farmers against losses resulting from reduced crop yields caused by various perils. It offers financial compensation to farmers when their yields fall below predetermined levels due to factors such as drought, flood, hail, frost, disease, or other unforeseen circumstances.

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Benefits

Production-based coverage protects the producer against a yield loss.

Guarantee

Approved Yield x selected level x price.

Prices

Yield Protection — 55–100% of commodity contract traded on specified commodity exchange.
Actual Production History — 55-100% of RMA-established price (for crops where there is no commodity exchange price provision).

Coverage Level

CAT, 50%, 55%, 60%, 65% 70%, 75%, 80%, 85%.

Eligible Crops

Plans may be available on barley, canola/rapeseed, corn, dry beans, forage production, grain sorghum, hybrid seed corn, millet, oats, popcorn, rye, soybeans, sugar beets, sunflowers and wheat.

Units

Enterprise, basic and optional.

Losses

Paid when Actual Yield is less than the Production Guarantee due to a covered peril.

Additional Coverages

At any level of coverage over CAT, late planting, prevented planting and replant coverage are part of the policy. High-risk land rates and written agreements are available.
High-risk land rates and written agreements are available.
If enrolled in Price Loss Coverage (PLC), the Supplemental Coverage Option (SCO) can be added to a YP policy. It adds area-based coverage to individual insurance plans.

Available to all qualifying producers regardless of race, color, national origin, gender, religion, age, disability, political beliefs, sexual orientation, and marital or family status.

Review our side-by-side comparison of federal crop insurance coverage options.

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Are you covered?

We know crop insurance decisions can feel complicated. Our insurance officers have access to a tool that analyzes your numbers and local data to help you make the best decisions to meet your goals. Get started by completing the inquiry form and we’ll find a time that is convenient for you to meet with us.

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Why Work With Us for Crop Insurance

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Dedicated Specialists

Our agents are non-commissioned and focus 100% of their time on crop insurance and livestock insurance — every working day of every week in the year. They don’t sell property, casualty or life insurance.

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Highly Trained

Our insurance officers receive annual training on RMA changes to crop insurance and livestock insurance plans and stay informed throughout the year.

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Financial Expertise

As a lender, we understand financial risk and work to protect your working capital, not just your crop or livestock.

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Decision-Making Tools

Our proprietary Optimum tool analyzes federal and private insurance policies to find the best choice whatever your risk management goal.

Trigger Yield Calculator

Trigger yields assist producers with crop insurance and risk management decisions. Understanding what will trigger loss payments is an important part of choosing the correct level of crop insurance coverage.