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Insurance

Crop & Hail Insurance

Full-time, dedicated risk management specialists help you minimize risks

Multi-Peril Crop Insurance

Natural causes covered under multi-peril crop insurance include drought, excessive moisture, hail, wind, frost, insects and disease.

Yield Protection (YP) and Actual Production History (APH)

  • Insures against yield losses due to natural causes
  • Establishes a guarantee of bushels per acre

Revenue Protection (RP)

  • Insures against yield losses due to natural causes created by a change in the harvest price from the projected price
  • Establishes a minimum guarantee of revenue per acre

Revenue Protection with Harvest Price Exclusion (RPE)

  • Insures the same as Revenue Protection (RP) except the amount of insurance protection is based on the projected price only
  • The amount of insurance protection is not increased if the harvest price is greater than the projected price

Rainfall Index for Pasture, Rangeland, Forage & Apiculture (PRF)

  • Insures for a single peril — lack of precipitation
  • Payments calculated on the deviation from normal precipitation interpolated to the grid and index interval(s) selected

Group Risk Plan (GRP)

  • Risk management tool to insure against widespread loss of production of the insured crop in a county

Group Risk Income Plan (GRIP)

  • Combines GRP with price protection to insure against loss of revenue from the insured crop in a county

Crop Hail Insurance

  • Covers yield reduction caused by hail, fire, vandalism and transportation while crop is in the field or transported to the first place of storage
  • Additional optional endorsements available

FCS Financial is an equal opportunity provider

Talk To Your Local Insurance Agent

Livestock Insurance

Minimize the effect of adverse market prices on traditional livestock

Livestock Risk Protection Insurance (LRP)

  • Insures against declining market prices for swine, feeder cattle, lambs and fed cattle
  • Variety of coverage levels and coverage periods to correspond with the time the livestock would be marketed
  • Offered by USDA Risk Management Agency

Livestock Gross Margin (LGM)

  • Cattle Producers: Protects against loss of gross margin between the market value of cattle and feed costs
  • Swine Producers: Protects the gross margin between the value of insured hogs and the cost of corn and soybean meal and covers a decline in hog prices and/or increase in feed cost
  • Dairy Producers: Provides protection against the loss of gross margin between market value of milk from dairy cows and feed costs

Rainfall Index for Pasture, Rangeland, Forage & Apiculture (PRF)

  • Insures for a single peril — lack of precipitation
  • Payments calculated on the deviation from normal precipitation interpolated to the grid and index interval(s) selected

FCS Financial is an equal opportunity provider.

Talk To Your Local Insurance Agent

Life & Disability Insurance

Plan for the continuity of your operations

Group Life Insurance

  • Credit and mortgage life insurance offered through Minnesota Mutual Life Insurance Company
  • Protects the family from an unwanted debt obligation in the event of an untimely loss of a key contributor or breadwinner

Term Life Insurance

  • Competitively priced level term life coverage available through multiple companies
  • Terms up to 30 years
  • Access to medical history may be required

Disability Insurance

  • Payment protection plan for your loan payments and support of your monthly income
  • Available through FCS Life Express, First Resource Group
  • Designed specifically for farmers and ranchers

Insurance resources and companies used by FCS Financial include Banner Life, First Resource Group, Genworth Life and Annuity Insurance Company (GLAIC), Illinois Mutual, ING ReliaStar Life Insurance Company of New York, Minnesota Life, Old Mutual Life Insurance Company (OM Financial) and Prudential Financial.

Talk To Your Local Insurance Agent

Supporting the future of farming

Over $1.5 million given to local 4-H and FFA organizations

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