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Crop Decision Tools
Built for crop insurance agents and AIPs

Turn Complex Coverage
Into Clear, Defensible Decisions.

Crop Decision Tools helps agents turn complex coverage into a clear, grower-facing recommendation — showing what the producer pays, what protection it secures, and why the decision matters in real time.

Built for real agent workflows and aligned with federal crop insurance structures.
Quote ClarityPremium → subsidy → producer cost
Decision SpeedKitchen-table explanation flow
Data ConfidenceRMA / NASS aligned workflow
Decision Clarity
Live
Producer Cost Visible Premium after subsidy
Revenue Floor Modeled Protection per acre
Coverage Layering SCO/ECO Layered decision support
Live Use Case Agent Grower-ready output
At the kitchen table

CDT turns the quote into a conversation the grower can actually understand.

Instead of forcing agents to explain raw premiums, coverage layers, and subsidy math across multiple screens, CDT compresses the decision into a single guided flow — showing cost, protection, and impact in a way the grower can actually follow.

Before CDT

Agents jump between spreadsheets, RMA data, carrier portals, and manual explanations while the grower waits for the numbers to make sense.

Inside CDT

The CDT terminal brings coverage, cost, and protection into a single live decision view.

After CDT

The agent leaves with a grower-ready quote brief that clearly explains cost, protection, exposure, and next-step action.

The CDT Strategic Workflow.

Stop wrestling with raw text files, clunky government portals, and disconnected quote screens. The CDT Terminal gives agents a connected workflow that ingests, models, and explains federal crop insurance data in a way growers can act on.

PassIQ™

LOCAL ENGINE

Groundbreaking browser-side processing. Drop M13/PASS files directly into the terminal. Zero server uploads ensures 100% data sovereignty and lightning-fast packet generation.

Drag & Drop PASS/M13 File
CLU HEALTH VALIDATION 98.4%

RMA SOB

ASSET INGESTION

Skip the manual text conversions. Our architecture features native .ZIP auto-extraction, allowing you to pull down massive federal Summary of Business datasets instantly.

Total Liability
$412.5M
Loss Ratio
0.62
AUTO-EXTRACT ACTIVE

QuickStats

LIVE API SYNC

Direct pipeline to NASS. Pull 10-year historic APH yields, pinpoint jurisdiction data, and establish flawless baselines without ever leaving the terminal.

Iowa
Yield (BU/ACRE)
Pull Data Ingestion
> Data Ledger Preview
> Payload Received.

SimStack™

MODELING ENGINE

Instantly model the synergy of RP, SCO, and ECO-95 federal layering. Visualize guarantees vs. indemnities in real-time to identify the perfect subsidy-to-protection ratio.

LIABILITY / GUARANTEE
$688.50
EST. INDEMNITY
$142.00
Market Revenue Stack

PolicyIQ™ PRO

FLAGSHIP AI MODULE

The agent-facing decision engine. Isolate risk with dynamic heatmaps and farm-level mapping, run coverage stress tests, and generate grower-ready quote briefs backed by CDT’s Proprietary Triangulation Engine.

Includes live AI briefings, subsidy-aware quote framing, and automated coverage gap detection.

Target Jurisdiction HUMBOLDT, IA LOSS RATIO: 0.62
Strategic AI Analyst LIVE
LISTEN
Triangulating local risk gaps...
Analyze

See the flow

From raw data to grower-ready decision support.

CDT Logo
Core Suite
🔥 PolicyIQ PRO
📊 PassIQ ACTIVE
📉 Break-Even ACTIVE
Data Assets
📋 RMA SOB ACTIVE
🏛️ QuickStats ACTIVE
🧪 SimStack ACTIVE
CORE SUITE // POLICYIQ ASSISTANT
SECURE UPLINK

PolicyIQ™ PRO

PolicyIQ helps agents move from county risk to farm-level decision clarity. It connects heatmaps, coverage options, quote math, subsidy impact, and AI analysis into a single sales-ready workflow.

  • Explain total premium, subsidy, producer cost, and protection leverage.
  • Generate grower-ready quote execution briefs.
  • Target revenue exposure visually from county to farm context.
PolicyIQ Interface Preview

PassIQ™

Groundbreaking browser-side processing. Drop M13/PASS files directly into the terminal. Zero server uploads ensures 100% data sovereignty.

PassIQ Interface Preview

Margin Analyzer

Run ROI stress tests and manipulate local parameters to determine how each election converts back into direct farm equity.

Margin Analyzer Interface Preview

RMA SOB Tool

Skip the manual text conversions. Our architecture features native .ZIP auto-extraction, allowing you to pull down massive federal datasets instantly.

RMA SOB Interface Preview

QuickStats

Direct pipeline to NASS. Pull 10-year historic APH yields, pinpoint jurisdiction data, and establish flawless baselines without ever leaving the terminal.

NASS QuickStats Interface Preview

SimStack™

Evaluate the synergy of RP, SCO, and ECO-95 federal layering. Visualize guarantees vs. indemnities in real-time to identify the perfect subsidy-to-protection ratio.

SimStack Interface Preview
Free Advisor Toolkit Preview
Try the open-access tools before entering CDT Pro.

Launch the CLIP simulator, coverage modeler, and timeline tools built for agent conversations. The production CDT workflow connects these ideas to RMA-backed data, QuoteIQ math, and PolicyIQ strategy.

Free Advisor Toolkit Preview

Useful tools now. Full CDT workflow when the agent is ready.

These open-access tools are built for real agent conversations: quick protection modeling, CLIP education, timeline awareness, and a clear path into the production CDT platform.

Why the toolkit is free The sandbox proves the decision framework. CDT Pro adds the data-backed production layer: RMA-grounded availability, QuoteIQ rating logic, PolicyIQ strategy, and branded grower exports.
Featured free tool Interactive sandbox

CLIP Strategic Revenue Simulator

Model whole-farm umbrella liability, prevented planting impact, price/yield stress, and 10% portfolio requirements in a live educational sandbox built for agent explanation.

Validate whether a crop mix clears the 2-crop and 10% liability conversation.
Show how RP, CLIP, production value, and whole-farm offset behavior interact.
Create a printable, agent-ready summary before moving into CDT Pro.
cliptool.html // live sandbox
Live sandbox CLIP Simulator Interface

2026 Modeler

Live compute

A fast coverage-floor sandbox for agent conversations. Adjust crop, APH, coverage level, and the exact commodity price to show how RP, SCO, and ECO reference layers move the revenue floor.

Agent-adjustable to the exact penny. Current crop reference: $4.34.
ECO 95%
SCO 86%
RP BASE
$598.92
RP Floor / Acre
SCO Ref. $686.11
ECO Ref. $758.63
Price Used $4.34
Top Gap $159.71/ac

At 75% RP, this scenario models a $598.92/ac base floor. SCO and ECO reference layers help show where the conversation can extend above the base policy.

Coverage: 75% Mode: Projected Reference

Educational model only. Premium, subsidy, eligibility, county availability, type/practice, and final quote values belong inside CDT Pro / QuoteIQ or the applicable AIP workflow.

Strategic Timelines

2026 windows

Keep the major decision and reporting windows visible while the agent is working through coverage strategy.

MAR 15Spring crops / sales closing
APR 29Production reporting due
JUL 15Acreage certification
AUG 15Premium billing window
Agent prompt Use the dates as a reason to start the coverage conversation early: floor, gap, layers, then quote-ready next step.

CDT Pro Workflow

Production layer

When the conversation moves beyond education, CDT Pro connects the same decision flow to the full platform stack.

RMA-backed county and crop data
QuoteIQ premium / liability framing
PolicyIQ strategy and AI explanation
Grower-ready branded exports
Move from rough protection floors to exact quote context.
Turn the free model into a defensible recommendation.
Keep the agent in control of the grower conversation.
Upgrade path Free tools start the conversation. CDT Pro validates the math, documents the recommendation, and prepares the grower-ready output.
Free Toolkit Educational preview tools, fast scenario modeling, open-access CLIP sandbox, and conversation starters for agents.
CDT Pro RMA-backed data, QuoteIQ math, PolicyIQ analysis, agency workflow, branded exports, and production deployment support.

2026 Strategic Timelines

Key Decision & Reporting Windows

Spring Crops

MAR 15

Sales Closing Date

Reporting

APR 29

Production Due

Certification

JUL 15

Acreage Report

Financials

AUG 15

Premium Billing