Frequently Asked Questions (FAQs)

An agent cannot, by law, give a discount on your premium. All premium rates and commission rates are predetermined by the RMA division of the USDA. However, an agent can set your PRF policy up in a way that maximizes your potential for benefit and minimizes your risk.

PRF insurance can be applied to any acreage that you run on, whether owned or leased.

Any indemnity payment received from your PRF insurance policy are yours to use as you see fit. Some ranchers supplement their forage costs, while others purchase replacement heifers or simply contribute to their savings accounts.

No, but an agent can give you an estimate of how often you might owe a premium.

The check that you’ll receive for your indemnity payments come from your insurance provider. However, the money itself comes from the USDA’s subsidy of PRF and is administered by the USDA’s Risk Management Agency (RMA).

Approximately 11x22 mile area used to help identify coverage for PRF purposes. This is what will be considered your “local area” and used for measuring precipitation.

Yes! They are different programs. You can benefit from both at the same time!

Agents are paid a commission based on the premium of your policy.

By offering financial means outside your normal yearly budget when you need the capital most! This helps avoid coming up with needed funds to address situations such as buying forage, or the need to sell livestock or other needed equipment to avoid or cover those unexpected expenditures.

NOAA calculates rainfall data at your four closest rain stations. Data is finalized 60-80 days after the end of a coverage interval. After this, the AIPs apply appropriate indemnity amounts or issue checks if your premium is paid off.

Yes, PRF insurance can be used along with FSA assistance programs.

PRF is insurance issues payments automatically when you incur a loss due to lower-than-average precipitation. Public disaster programs that provide assistance only based on perceived need. Why not have both?

If you have cattle, you probably qualify for PRF insurance.

Your indemnities first go toward your premium. Once your premium is satisfied, any future indemnities come straight to you.

No! It’s based on your local area's long term average so it doesn’t really matter what region you’re in. If you’re drier than average, your policy will have an indemnity.

We use our unique technology to analyze 70 years of rainfall data on your land. This, combined with our ranching expertise, allows us to make a custom PRF policy that will benefit you the most.