Ever.Ag Livestock Margin Protection
By Ever.Ag
Last reviewed: January 2026
Ever.Ag Livestock Margin Protection product guide: LGM-Swine and LGM-Cattle insurance, livestock brokerage, and margin protection for swine and cattle...
Ever.Ag Livestock Margin Protection
Product Overview
Ever.Ag provides Livestock Gross Margin (LGM) insurance and brokerage services for swine and cattle producers. LGM is a federally-subsidized insurance program protecting producers against loss of gross margin (market value minus feed costs).
LGM-Swine Coverage
How It Works
Coverage protects the margin calculated as Swine Price minus Corn and Soybean Meal costs. Uses CME futures prices for pricing basis with 6-month rolling coverage period.
Operation Types Covered
Premium Subsidies
Subsidies range from 18% to 50% based on deductible level. Premium due at end of insurance period, not upfront.
LGM-Cattle Coverage
Similar margin protection for cattle producers covering the spread between cattle prices and feed costs.
Livestock Brokerage Services
CME livestock futures and options trading for producers seeking active hedging strategies beyond insurance products.
2025 Updates
New USDA RMA modifications include modified price definitions, marketing report flexibility, and enhanced sales records requirements.
Contact
Website: ever.ag/livestock-animal-protein
Quote Calculator: quotes.ever.ag/lrp-quotes
Key Features
- LGM-Swine Coverage: Protects gross margin calculated as Swine Price minus Corn and Soybean Meal costs, with 6-month rolling coverage period using CME futures prices
- LGM-Cattle Coverage: Protects gross margin for cattle operations covering spread between cattle prices and feed costs
- Federal Premium Subsidies: Subsidies range from 18% to 50% based on deductible level, reducing producer premium costs significantly
- Flexible Deductibles: Producer-selected deductibles from $0 to $12+/head with higher deductibles earning greater subsidies
- Deferred Premium Payment: Premiums due at end of insurance period rather than upfront, improving cash flow
- Free Quote Calculator: Online tool at quotes.ever.ag/lrp-quotes for instant coverage and premium quotes
Advanced Features
- Livestock Brokerage Services: CME livestock futures and options trading for producers seeking active hedging strategies beyond insurance products
- Weekly Enrollment Windows: Sales periods every Thursday through Friday 9:00 AM CT when USDA RMA posts new rates
- Multi-Period Coverage: Ability to layer coverage across multiple insurance periods for extended protection
- Certified Agent Network: Agents available in 40+ states including major production regions
Ideal For
Farm Types: Farrow-to-finish swine operations, Feeder pig finishing operations, SEW (Segregated Early Weaned) operations, Cattle feeding operations, Cow-calf operations
Competitive Advantages
What sets Ever.Ag Livestock Margin Protection apart from alternatives:
- Federal premium subsidies reduce coverage costs significantly
- Bundled margin protection eliminates need to manage separate futures positions
- No minimum head requirements make coverage accessible
- Deferred premium payment improves cash flow
- Free online quote calculator for instant pricing
- Certified agents in 40+ states with livestock expertise
- Weekly enrollment windows provide regular access
Pricing Information
Here is the pricing information for Ever.Ag Livestock Margin Protection:
Livestock Risk Protection (LRP) insurance for dairy operations.
Pricing Model: Premium-based insurance with federal subsidies
Federal subsidies range 18-50% based on coverage level and deductible. Premium due at end of insurance period.
Pros & Considerations
- Federal subsidies reduce premium costs significantly
- Bundled margin protection simplifies hedging vs. separate futures
- No minimum head requirements
- Deferred premium payment helps cash flow
- Available in all 50 states (coverage for contiguous 48)
- Weekly enrollment windows provide regular access
- Coverage based on CME futures, not local cash prices (basis risk)
- Does not cover death loss or physical damage
- Does not protect against production or performance risk
- Enrollment windows require timely action
- Actual marketings must be documented for claims
ROI & Value Proposition
Understanding the return on investment for Ever.Ag Livestock Margin Protection:
LGM delivers ROI by protecting margins against adverse price movements in both livestock and feed markets. Federally-subsidized premiums reduce protection costs. Value realized when actual margins fall below guaranteed levels.
Implementation & Setup
How to implement Ever.Ag Livestock Margin Protection on your dairy operation:
Implementation Timeline: Enrollment occurs weekly on Thursdays when RMA posts rates, closing Friday 9:00 AM CT. Coverage periods run 6 months from enrollment.
Training & Support
Training and support options available for Ever.Ag Livestock Margin Protection:
Support Channels:
- Ever.Ag certified LGM agents
- Phone support for enrollment and claims
- Online quote calculator for pricing
Buying Considerations
Important factors to consider when evaluating Ever.Ag Livestock Margin Protection:
Evaluation Questions
Key questions to consider when evaluating Ever.Ag Livestock Margin Protection:
- What is our current approach to managing margin risk?
- How do our local cash prices compare to CME futures (basis)?
- What coverage period aligns with our production and marketing cycle?
- What deductible level balances premium cost with protection level?
- Do we have sales records to document marketings if needed for claims?
- Are we comfortable with futures-based pricing vs. local cash prices?