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The little things count

With newly expanded coverage by the USDA Risk Management Agency, more growers in MFA territory will be able to insure double-crop soybeans such as these being planted behind wheat. Growers are encouraged to check with their local MFA Crop Insurance agent for more details.


importantDatesWhen is the last time you sat down with your crop insurance agent and discussed your policy in detail? Regretfully, the answer is likely to be seldom or never. This could leave bushels on the table when it comes to your Actual Production History (APH). For spring 2023, here are some important endorsements to consider for your policy:

Trend Adjustment (TA)
The idea behind trend adjustment is very simple. Technology, genetics and farming practices improve drastically in a short time. The TA endorsement takes your yield from prior production, multiplies the year by a factor the Risk Management Agency (RMA) provides, and adds it to the yield from that year. This can be done on up to 20 years of production on a unit. For example, if you grew 150-bushel corn in 2012 and the TA factor is 1.5, the formula would be: ((2022 - 2012) x 1.5) + 150 = 165 bushels. So, by adding TA, this grower added 15 bushels to the yield for 2012, increasing the approved yield for that unit.

Yield Exclusion (YE)
Have you ever had a year you just wanted to forget? This exclusion was introduced for such years, whether caused by drought, flood or one of the thousands of variables growers face every year. YE will remove a year that the RMA deemed excludable for reasons of extreme circumstances. For example, corn grown in 2012 is excludable for most counties in Missouri. Removing the challenging year from actual production history will increase the approved yield for the unit.

Prevent Plant + 5% (PF)
PF is simple. By paying for small premium increase (usually less than $1 per acre), growers can increase the percentage of payment on a prevent plant from 55% to 60%. For example, in 2022, if you prevent-planted corn with a guaranteed yield of 150 bushels, you would have been paid almost $45 per acre more than at the 55% level (using spring corn price of $5.90). This endorsement is not a fit for every operation but is especially useful for flood-prone ground. In addition, PF can also be elected on one crop and not the other on a policy.
 All these endorsements do impact premium. However, these implications are not charges for the endorsements. Rather, the endorsement is increasing a grower’s guarantee and thus increases the premium.
Visit to find a MFA Crop Insurance agent near you if you have any questions.

Double-crop soybeans insurable by written agreement

The USDA Risk Management Agency (RMA) has announced a new “streamlined process” to insure double-crop soybeans through a written agreement.

According to USDA, the expanded coverage is an effort to reduce the economic risk of raising two crops on the same land in one year, helping U.S. farmers to increase food supply and lower food costs for American families. 

While the “following another crop” practice was already insurable in some areas, this new initiative expands insurability and makes it easier to insure a second crop where previously unavailable.

Taylor Gilmore, MFA area crop insurance agent, said producers must act fast if they are interested in the double-crop insurance opportunity.

“A written agreement is a request sent to RMA to modify existing terms and conditions for crop insurance,” Gilmore said. “The process for this needs to begin before the first of the year to allow time to get the required documents and information together and sent off to the RMA.”

Once the request has been sent, RMA will reply with an offer, which will include approval or disapproval of the request, the rate, conditions, production guarantee, etc. If the request is approved, then the producer can decide to decline or accept the offer.

The RMA has not, however, released any details on how “streamlined” these agreements will be regarding double-crop soybeans. Gilmore said agents hope to know more before the end of 2022. 

Reach out to an MFA Crop Insurance agent to learn more details, just visit

New agent serves eastern Missouri

Taylor Gilmore has joined the MFA team as a crop insurance agent for the eastern side of Missouri, including Districts 3, 6 and 10.

TaylorTaylor has been in the insurance business for five years and recently made the switch to crop insurance. A native of Ashland, Mo., she and her husband, Matt, have a 3-year-old son, Weston. Taylor grew up competing in rodeo, eventually focusing solely on barrel racing. She and Matt now raise cattle and crops and still make time to ride horses with family and friends.

Taylor’s experience in insurance and on the farm makes her a welcomed member of our team.
For crop or livestock insurance needs in eastern Missouri, western Illinois and northeastern Arkansas, Taylor can be reached at (573) 476-7440 or This email address is being protected from spambots. You need JavaScript enabled to view it..

Read more in this Dec/Jan2023 issue of Today’s Farmer


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