At the start of each season our members are asked to map their paddocks in Latevo Maps. This gives an indication of how many hectares our members want to protect for the season. If your plan changes from the start of the season, Latevo Maps can always be updated once sowing is completed.

Members are then offered Farm Income Protection based on their District or Individual Average income per broadacre hectare. Members who are protected at their Individual Average are eligible for any Category upgrades that may be offered through the season.

Each member pays their protection fee and the collected pool of protection fees funds any claims at the end of each season. Claims are assessed by the Aussie Farmers Mutual Board in February each year and paid in the last week of February.

If there is a large number of claims made in any one year that the exceeds the amount of protection fees collected the Board has the discretion to pay claims on a proportional basis, ensuring that all members in a claim are treated fairly.