Create a Policy Estimate for an Existing Grower

All Reinsurance Years

The procedure below is broken into the different stages of the Policy Estimate. The stages must be completed in order but can be completed at different times, if needed.

1. From one of the access points shown in the "For Existing Growers" section of "At a Glance: Policy Estimates", open the Policy Estimate Detail Lines page to begin building the Policy Estimate for the grower.
All coverages/detail lines that exist on the policy that's associated with the estimate populate on the page.
2. If you need to add a coverage to the estimate, from the County dropdown, select the county of the coverage. The counties available for selection in this dropdown are dependent on the state of the associated policy.

3. From the Crop dropdown, select the crop of the coverage you want to add to the estimate. Only crops/commodities available in the ADM for the State/County will display in this dropdown.
4. Click Add New Coverage. The coverage is added to the page within a collapsible banner so you can begin adding detail lines to the coverage.
5. If you need to add additional coverages, repeat steps 2-4.
6. To add a detail line to a coverage, expand the coverage you want to add a detail line to, and then, in the BU field, type the four-digit basic unit number for a detail line you want to add to the coverage.

7. In the OU field, type the four-digit optional unit number for the detail line.
8. From the Type dropdown, select the type of the detail line. This dropdown will only display types available in the ADM for the selected State/County/Crop of the coverage.
9. From the Practice dropdown, select the practice of the detail line. This dropdown will only display practices available in the ADM for the selected State/County/Crop of the coverage.
10. In the Share field, type the share the grower has in the detail line. This number can be between 0.001 and 1.000, with 1.000 being a 100% share.
11. In the Acres field, type the acres for the detail line. This number can include up to 1 decimal place (e.g., 95.5).
12. Click the Add New Unit button. The detail line is added to the grid inside the coverage you added the line to with additional fields to add or edit as well as the read-only calculated T-Yield.

If available in the ADM, the Buy-Up Price and Volatility fields will pre-fill with the values found in the ADM for the State/County/Crop/Type/Practice selected. If unavailable in the ADM, these fields will pre-fill with values from the previous year.

When changes are made to a detail line in the steps below, the status indicator for the line will change from "unmodified" to "modified".

For each detail line on the Policy Estimate Detail Lines page, a status indicator is shown to the far left. This indicator visually represents whether or not a line has had any changes made to it. As you make changes to the detail line's fields, this indicator will change.

When no changes have been made to the detail line, the "unmodified" indicator displays. All lines will display as "unmodified" when they're first added to the Policy Estimate Detail Lines page. When changes have been made to the detail line, the Status Indicator automatically changes from "unmodified" to "modified" so you can easily keep track of detail lines that contain new or changed values.

Unmodified Modified

With "modified" lines, if you need to undo changes made, you can click the "modified" status indicator to revert changes back to their previous states, and the "unmodified" status indicator will again display.

You can manually change the status indicator for a line in order to include it in the validation process by clicking the "unmodified" status indicator to change it to "modified". Doing this will allow the System to pick up the detail line for validation.

13. If you need to update the acres on the line, in the Acres field, type the updated acres value.

TIP: If you need to apply an acres value to all detail lines on the coverage at one time, you can use the Detail Lines Toolbox link near the top-right of the coverage section. This toolbox allows you to apply this year's, last year's, or the last actual acres to all detail lines on the coverage OR an estimated acres value for either all detail lines or all zero AR lines on the coverage.

14. If you need to update the Share on the line, in the Share field, type the updated share value.
15. If a value is unavailable in the ADM for the State/County/Crop/Type/Practice selected or you want to use a different price, in Buy-Up Price field, type a buy-up price for the unit. The value in this field can have up to two decimal places (e.g., 5.05).

TIP: If you need to apply a buy-up price to all detail lines on the coverage at one time, you can use the Detail Lines Toolbox link near the top-right of the coverage section. This toolbox allows you to apply this year's or last year's price to all detail lines on the coverage.

16. If a value is unavailable in the ADM for the State/County/Crop/Type/Practice selected or you want to use a different volatility factor, in the Volatility field, type a volatility factor for the unit. The value in this field must be between 0.01 and 0.99.

TIP: If you need to apply a volatility to all detail lines on the coverage at one time, you can use the Detail Lines Toolbox link near the top-right of the coverage section. This toolbox allows you to apply this year's or last year's volatility to all detail lines on the coverage.

17. If the detail line is for non-irrigated Grain Corn in a state/county that supports PACE (Post-Application Coverage Endorsement), an Options dropdown will display below the read-only T Yield for the line. From this dropdown, you can select "PACE" for the line if needed.

NOTE: On Save of the Policy Estimate Detail Lines page, if the PACE selection made for a detail line on the page is different than what's on the policy, an update message will display below the detail line. You must select either "Ignore" or "Update" based on how you want the System to handle the message shown. For example, if you selected "PACE" from the Options dropdown of a detail line on the page and you received this message, "PACE was removed or excluded from the policy", you can select "Ignore" to keep the selection you made or "Update" to update the Estimate selection to match the policy.

18. In the Rate Yield field, type the rate yield to be used for the unit. The value in this field can have up to two decimal places (e.g., 1.45) and is required to calculate premium in the estimate.

TIP: If you need to apply a yield to all detail lines on the coverage at one time, you can use the Detail Lines Toolbox link near the top-right of the coverage section. This toolbox allows you to apply this year's or last year's yield to all detail lines on the coverage. Please note that this will update ALL yield fields (e.g., Rate Yield, App'd Yield, etc.) on the coverage's detail lines.

19. In the App'd Yield field, type the standard procedure approved yield to be used for the unit. The value in this field can have up to two decimal places (e.g., 1.45) and is required to calculate premium in the estimate.
20. If applicable or known, the following fields can be edited for the added detail line/unit.

a. In the Procedural # field, type the procedural number for the unit.
b. From the Code dropdown, select the applicable code.
c. In the Land ID field, type the land ID for the unit.

NOTE: This field will only be editable if the detail line was added directly to the estimate after the estimate was created.

d. If available, from the Plant Pattern dropdown, select the plant pattern for the unit.
e. If available, in the Skip Row Factor field, type the skip row factor for the unit.
f. If available, from the Map Area dropdown, select the map area for the unit.
g. In the Adjusted Yield field, type the calculated adjusted yield to be used for the unit. The value in this field can have up to two decimal places (e.g., 1.45).
h. If available, in the YE Adjusted field, type the YE average yield to be used for the unit. The value in this field can have up to two decimal places (e.g., 1.45).
i. If available, in the TA Adjusted field, type the trend adjusted yield to be used for the unit. The value in this field can have up to two decimal places (e.g., 1.45).
j. If available, in the YE+TA Adjusted field, type the YE + TA yield to be used for the unit. The value in this field can have up to two decimal places (e.g., 1.45).
k. If available, in the YC Adjusted field, type the YC adjusted yield to be used for the unit. The value in this field can have up to two decimal places (e.g., 1.45).
l. Update/enter values for any additional fields that display as needed.

NOTE: The BU, OU, Type, and Practice fields that were entered when creating the new unit/detail line can also be edited after the unit/detail line is added to the coverage. These fields are also available to edit on detail lines that were pulled in from the policy when the estimate was created.

21. If you need to add an additional detail line to the coverage, do one of the following:
• If the details for the detail line you want to add are the same as another detail line on the coverage, you can click the Duplicate Line button () to the left of that detail line. The duplicated line will display below the existing line and you can make any changes needed.
• If you want to create a new detail line, repeat steps 6-20. If any of the fields are the same for each detail line on the coverage, you can use the Copy Down button () to the right of each field name (in the column headers) to copy the first detail line's value for that field down to the rest of the detail lines on the coverage.
22. To create detail lines in another coverage on the estimate, click on the banner for that coverage to expand it. Then, follow one of the options in the step above.
23. If you want to delete any of the detail lines you've added to a coverage on the estimate (detail lines that are pulled in from the associated policy cannot be deleted), click the banner for the coverage to expand it and do one of the following:

• If you added a coverage to the estimate after it was created and you need to delete all of the details in that coverage, click the Delete All button available in the coverage. A popup opens asking you to verify you want to delete all the detail lines on the coverage. Click OK.

You are returned to the Policy Estimate Detail Lines page and the coverage and all its associated detail lines are removed from the page. This button will only be available for coverages that were added manually after the estimate was created. Detail lines/coverages that were pulled into the estimate from the associated policy cannot be deleted.

• If you added a detail line to a coverage after the estimate was created and you want to delete that individual detail line, click the Delete Line button () to the left of the detail line. A popup opens asking you to verify you want to delete the detail line. Click OK.

You are returned to the Policy Estimate Detail Lines page and the detail line is removed from the coverage. This button will only be available for detail lines that were added manually after the estimate was created. Detail lines that were pulled into the estimate from the associated policy cannot be deleted.

24. To edit any of the fields on detail lines that were pulled into the estimate from the associated policy, follow steps 15-20
25. Once done adding and editing coverages and detail lines on the estimate, click Save. Review the detail lines for any existing errors. If any errors exist on the detail lines of a coverage, you will need to address them before you can continue to building scenarios.

NOTE: If an error exists on a coverage, the coverage banner will display "# Error(s)" to alert you of where errors need to be resolved. To view only the detail lines on a coverage that are in error, expand the coverage and then select the Errors view. For more information on errors, see "Errors" in "At a Glance: Policy Estimates".

26. Select the detail lines you want to include in the scenarios for the estimate by selecting the checkboxes to the left of the detail lines you want to include. You can select detail lines in any/all coverages on the estimate.

27. Once done selecting detail lines to include in the scenarios for the estimate, click Save & Continue. If no errors exist on any detail lines, the Policy Estimate Scenarios page opens.

NOTE: If you want to save the additions and edits you've made but don't want to proceed to building scenarios yet, click Save instead of Save & Continue.

28. The Estimate Name field is pre-filled with the word "Estimate" and the current System date (e.g., Estimate 1/22/2018). If you want to name the estimate differently, replace the pre-filled text with the text of your choice.

29. Skip the Agent field. This is a read-only field that displays the agent associated with the policy the estimate was created on.
30. Your next steps depend on whether or not you want to use a template to build the scenario for a coverage:
• To use an existing template for a coverage to set the Plan Codes, Levels, Default Options, Additional Options, Unit Option, Price %, and any other applicable fields, select the template name from the Apply Template dropdown.

NOTE: Only templates that have the same State/County/Crop as the selected coverage are available in the dropdown.

The System selects the Plan codes, Levels, Default Options, Additional Options, Unit Option, Price %, and any other applicable fields indicated in the template.

If you have other coverages (regardless of county) on the estimate with the same crop as the coverage you applied the template to and want to use the selected template as the default for all coverages with that crop, select the Default for <Crop> checkbox to the right of the Apply Template dropdown. "<Crop>" will be whatever the crop on the coverage is. All coverages with that crop will update to show the field selections from the template.

If you need to modify the template’s default selections, continue to step 31. If the template’s selections meet your needs, skip to step 39.

• To enter estimate coverage options without a template, continue to step 31.
31. In the Plan Codes field, click to select the plan or plans to include in the estimate. Selected plans update to display with a yellow background. If the coverage was pulled into the estimate from the policy when the estimate was created, the currently-selected coverage plan code from the policy will be automatically selected in this field; this selection will display with a background color specific for each AIP. You can deselect this pre-made selection by clicking it.

32. In the Levels field, click to select the coverage level or levels to include in the estimate. Selected levels update to display with a yellow background. If the coverage was pulled into the estimate from the policy when the estimate was created, the currently-selected coverage level from the policy will be automatically selected in this field; this selection will display with a background color specific for each AIP. You can deselect this pre-made selection by clicking it.

NOTE: If you select the "ALL" option in this field, all coverage levels will be highlighted and included in the scenarios for the estimate.

33. In the Default Options field, the System displays all options for the State/County/Crop. Click to select the coverage options to include in the estimate for all scenarios with the coverage. Selected options update to display with a yellow background. (When the estimate is built, it only applies the option to those Plans/Levels/Types/Practices which are applicable.) If the coverage was pulled into the estimate from the policy when the estimate was created, the currently-selected coverage default option from the policy will be automatically selected in this field; this selection will display with a background color specific for each AIP. You can deselect this pre-made selection by clicking it.

NOTE: If a detail line selected on the Policy Estimate Detail Lines page had "PACE" selected from the Options dropdown, then "PACE" will be an available option in the Default Options and Additional Options (next step) fields. If this option is selected in either of these fields, two additional fields, PACE Coverage Level and PACE Post Application %, will display after the Additional Options field.

34. In the Additional Options field, the System displays all options for the State/County/Crop. Click to select the coverage options to include in the estimate for a SINGLE scenario to be used in conjunction with any Default Options selected above. Selected options update to display with a yellow background. (When the estimate is built, it only applies the option to those Plans/Levels/Types/Practices which are applicable.)
35. If "PACE" was selected in either step or step , the PACE Coverage Level field displays. In this field, click to select the coverage levels for PACE that you want. At least one selection must be made in this field when PACE is selected as an option.
36. If "PACE" was selected in either step or step , the PACE Post Application % field displays. In this field, click to select the post application percentages for PACE that you want. At least one selection must be made in this field when PACE is selected as an option.
37. In the Unit Options field, click to select the unit structure or structures to include in the estimate. Selected unit options update to display with a yellow background. If the coverage was pulled into the estimate from the policy when the estimate was created, the currently-selected coverage unit option from the policy will be automatically selected in this field; this selection will display with a background color specific for each AIP. You can deselect this pre-made selection by clicking it.

NOTE: If you select the "ALL" option in this field, all unit options will be highlighted and included in the scenarios for the estimate.

NOTE: If you select the "EP" option, a new field, EP Practices, displays below the Unit Options field. You can select either Irrigated, Non-Irrigated, or Both using the radio buttons for the field.

38. The Price % box will automatically populate with the maximum price percentage based on the Plan/Level selected by the user. This can be adjusted by using the arrows or typing a value to include in the estimate. Only numbers are allowed in this box.
39. If creating an estimate for a grower who qualifies as a Beginning Farmer/Rancher (BFR), select the BFR checkbox.
40. If creating an estimate for a grower who qualifies as a Veteran Farmer/Rancher (VFR), select the VFR checkbox.
41. Complete any additional fields that may be available for the coverage. If additional products (e.g., STAX, Production Hail, etc.) are available to be quoted with the coverage, they will display in the area to the right of the dashed line for the coverage. Selecting the checkbox for these products will enable additional fields for that product.
42. When done making selections and entering values for the coverage scenario, do one of the following:
• If you have additional coverages to make scenario selections for, repeat steps 30-41 for those coverages.
• If you have made scenario selections for all coverages on the estimate, click Save. The System begins validating the scenario selections. Review the coverages for any existing errors. If any errors exist on a coverage, you will need to address them before you can continue to calculating scenarios.

NOTE: If an error exists on a coverage, the coverage banner will display "In Error" to alert you of where errors need to be resolved. For more information on errors on the Policy Estimate Scenarios page, see "Validations" in "At a Glance: Policy Estimates".

43. Select the coverages you want to calculate scenarios for by selecting the checkboxes to the left of the coverages you want to include.

44. Once done selecting the coverages you want to calculate scenarios for, click Save & Continue. If no errors exist on any coverages, the Policy Estimate Calculations page opens.

NOTE: If you want to save the additions and edits you've made but don't want to proceed to calculating scenarios yet, click Save instead of Save & Continue.

45. On the Policy Estimate Calculations page, the values/estimates for the selected coverage criteria display for each coverage you selected on the Policy Estimate Scenarios page and are shown within collapsible/expandable coverage banners. Each coverage banner displays the selected coverage criteria in the Totals and Unit Information tabs just below the coverage's banner. See "Compare Policy Estimate Scenarios" for more information on comparing these estimates.
46. To print the Policy Estimate, from the Additional Functions dropdown, select "Print Forms". The Print Forms popup opens.

47. Select the Policy Estimate checkbox, and then select parameters for the form.
48. When done making selections, click Print. The Policy Estimate Scenarios report prints to a PDF and downloads to your browser window. See "Understand the Policy Estimate Scenarios Report" for more on reading the report.
49. The Additional Functions dropdown also allows you to export the policy estimate. To export the Policy Estimate to a formatted Excel workbook, select "Export Estimate" from the dropdown. Or, to export data to a non-formatted Excel workbook, select "Export Data" from the dropdown. The estimate is exported to Excel and the workbook downloads to your browser window.

NOTE: All export options may not be available for all users.

50. Once done reviewing, printing, or exporting the estimate, from the Additional Functions dropdown, you can select "Return to Estimates" to navigate to the View Policy Estimates page or "Return to Policy" to navigate to the policy associated with the estimate. The coverage/detail line selections, scenarios, and calculations were saved to the estimate when you clicked Save & Continue on the Policy Estimate Scenarios page.