Our Strategies

A Multi-Peril Crop Smart Strategy for Farm Producers Safety Net Protection.

Ag-Risk Strategies

Every Producer has different requirements to protect Capital, Investment, Loans, Livelihood, and Stabilize Income when Price or Yield falls short. An Ag-Risk Strategy provides maximum coverage while minimizing cost in the best interest of the Producer creating Peace of Mind. Sound Strategy may require multiple products such as Crop Hail or PCI (Production Cost Insurance) and use all Options to maximize APH. Custom Coverage can be individualized by considering all units and Practices covered by the various Products

AG-RISK TOOLS

Federally subsidized MPCI Crop Insurance is the cornerstone for most Ag-Risk Strategies. Many FSA Programs and Private Products are now available to customize each plan. The best tools are available from Crop Insurance Specialist with powerful computer software to compare Plans, Products, and Options. The results should provide detailed choices of coverage in an easy to understand format.

WHY OUR AG-RISK AGENCY?

The very best software available to evaluate and customize Ag-Risk Strategies for Producers is provided by ARMtech Insurance Services. As our USDA approved Insurance Provider Assiter Ag-Risk LLC partner with ARMtech to offer the evaluation reports needed to consider all the options and meet the goal of maximum coverage for minimum investment.

Assiter Ag-Risk LLC is a Crop Insurance only company with agents and employees with Producer experience. We use the same tools to cover our crops and understand both sides of the desk. Our employees continue to educate ourselves to offer the latest strategy to our producers.

BENEFITS TO YOU

· Knowledgeable agents, with expertise in row crops, livestock, grapes, pecans, dairy and more
· A large team of agents, which allows us to quickly address your needs

PRODUCTS AVAILABLE

Multi-Peril Crop Insurance (MPCI)

It provides comprehensive protection against weather-related causes of yield loss and/or declining revenue. More than 100 crops are insurable under MPCI, including common crops like cotton, corn, grain sorghum, wheat and sorghum silage. Specialty crops are also insurable.

Pasture, Range & Forage (PRF) Insuranc

Annual Forage Insurance

Crop Hail Insurance

Feedlot, Dairy and Pasture Insurance

Livestock Risk Protection (LRP)

Livestock Gross Margin (LGM) Insurance

A Complete AG-RISK Management Program considers many factors:

APH (Average Production History -up to 10 years of yield history). APH deterimines not only the Production Guarentee but even effects the rate factors to determine Premium Cost. Recent Program Changes offers many APH Options to help Producers improve APH and therefore Guarentees. APH Options include:

YA allows a producer to use a Yield Adjusted Database that subsitutes a percentage of the County Average Yield for Actual Production when a years Actual Yield is below the YA percentage. When YA adjustment is chosen 2 databases are created for each insured unit. The simple acutual yield is the true APH and the second database containing years with low yields use plugged in higher yields based County Average Percentages. An example would be if a unit had an acutual yield of 0 in 2011 the YA option would create a YA database using 60% of County Yield to use calculate the YA average.

The Actual Yield Database would be used to determine Base Premium Rate. The YA Database Yield is multiplied by the chosen level to determine Guarenteed Production.

This option was brought in with the 2014 Farm Bill so is pretty new. It is time consuming to evaluate and difficult to understand. Using this option can greatly impact premium. RMA (Risk Management Agency) a division of USDA determines years of low average production on a county basis. Then years are published and producers can elect to exclude the qualifying database years. By removing the low yield years the APH is naturally increased providing higher guarantees.

Consideration must be carefully given as quoting software removes all qualifying years when the YE option is selected. This increases the premium factor and may remove a good yield from the database automatically.

Other APH Options and factors should be considered at quoting. New Producers and Added Land should evaluate each unit database as choices are available to set up the new units.

Find us.

120 California
Floydada, TX 79235
United States

Call us.

Feel free to call
We are available 9am-5pm 806.983.3322

Email us.

tim@assiter.biz

tanner@assiter.biz

kalli@assiter.biz