New APH Option for 2012 Crop Insurance


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The TA-APH yield endorsement is available for both YP and RP policies for corn and soybeans in 2012 at all coverage levels, except the catastrophic level (CAT) of 50%. Group crop insurance policies, such as GRIP or GRP, already use TA-APH yields for policy guarantees. The decision to use the TA-APH yield endorsement is crop specific, and is on a county basis, which means a producer could choose to use TA-APH for corn and not for soybeans, or they could use TA-APH in one county, but not in another.

A producer must have at least one actual reported yield for a crop from a farm unit in the past four years for that crop and farm unit to be eligible for the TA-APH endorsement, which must be an actual yield, and not a T-yield that was used. There must be a minimum of four reported annual yields in past 12 years for a crop insurance farm unit to be eligible for the full TA-APH yield adjustment; otherwise reduction factors will be used that reduce the TA-AHP yield adjustment.

For producers with four or more years of actual production history for corn and soybeans on a farm unit, which has shown increasing yields over that period, there should be a noticeable yield increase with the TA-APH yield endorsement. The yield improvement will vary depending on the actual yield history on the farm unit, the number of years of production history, and the County yield adjustment factor.

The TA-AHP yield endorsement looks to be an attractive option for many producers on their 2012 crop insurance policies. The combination of the TA-APH endorsement along with the reductions in crop insurance premiums at comparable coverage levels for most producers will allow many farmers to enhance their crop insurance revenue guarantees for corn and soybeans in 2012. This should allow crop producers to be more aggressive in forward pricing a higher percentage of their anticipated 2012 corn and soybean production during these times of highly volatile market prices. Farmers are encouraged to contact their crop insurance agent well ahead of the March 15 deadline for 2012 crop insurance enrollment to find out more details about the TA-APH yield endorsement.


Editor’s note: Kent Thiesse is a former University of Minnesota Extension educator and now is Vice President of MinnStar Bank, Lake Crystal, MN. You can contact him at 507-726-2137 or via e-mail at

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