Insurance+futures is a financial innovation to avoid insurance, which is mainly a financial combination tool that agricultural insurance risks cannot be dispersed. Specifically, agricultural insurance has regional and large-scale disaster risks and cannot be dispersed. Insurance companies are enterprises, and agricultural insurance business can't be done well. For example, 80% of the existing planting insurance for disaster protection depends on government subsidies, and the level of protection is still very low and basic. However, futures solve this problem very well. By using put options in the futures market, the risks of agricultural insurance are well dispersed by traders in the futures market. "Insurance+futures" is an important direction of agricultural insurance, and interested friends can exchange it.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.