Was a garbage product when first introduced but theyíve apparently made a lot of changes. Get them to quote you, use their numbers and see how many payouts youíd have gotten over the past 5-10 years, depending on how much work you wanna do. Last time they quoted me in 2013 I did that and I wouldnít have had a payout if over six years of books so quit looking. Can say that since then, even with a bad drought last year, that this year MIGHT have been the first time weíd gotten a payout but it maybe would have been enough to cover two years of premiums at most. But again, Iíve been told that theyíve improved a lot since then so who knows. Worth taking a meeting I guess.
In Alberta I find it nearly impossible to beat AFSC. For me itís just a question as to whether I want to top up their coverage but I havenít seen anything out of that sector that has come close to me even considering it. Have heard that the other provinces have pretty poor insurance products so I guess thereís more interest out there. Which is a shame really, a govt subsidized product should easily beat the competition but I guess thatís bureaucracy at work
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Last edited by kauppfarms; 01-29-2019 at 03:49 AM.