Thanks Rob That is very helpful ...

I'm surprised to see such variation in long term payout between the different type policies. The people paying the highest premiums actually come out ahead with the GRIP HR 90%.

I have the RA 70% with fall option, which allows me to cover some acres coming out of pasture into beans. Also it allows me to sell now, up to my coverage amount without fear of a short squeeze in the fall, should there be a large drought or whatever, and I don't have the crop I pre-sold. It is about $16/acre.

If beans are $11 this fall, I've more than paid for the policy, though maybe it is cheaper to pre-sell with call protection somehow. The 90 cent basis on the beans doesn't help, but it is what it is.

I'm just figuring it out, but there is also a peace of mind factor that does have a dollar value for many people. Till I get smarter, this seems like a good deal to me.

Bill