In August, 2022, under the impetus of Zhengshang Institute, Changjiang Futures and PICC P&C Insurance Company officially issued the first "insurance+futures" income insurance policy in Huangling, Shaanxi Province, which enabled the majority of fruit farmers in huangling county to resist the market price drop and yield loss. In the pilot, farmers only need to pay a small part of the premium, and the remaining premium is subsidized by Zhengshang Institute and huangling county Municipal Government.

Apple "insurance+futures" income insurance covers 7048.8 mu of apple planting area, insures apple 10573.2 tons for fruit farmers, and protects 607 apple growers. Provide protection for farmers from two aspects: price and output, and ensure farmers' income to the greatest extent. Farmers who participated in the project received nearly 2.5 million yuan in compensation when they paid more than 700,000 yuan in premiums.