I'll step in to this, knowing that it will be unpopulare....
there are clauses in those policies about having to use
generally accepted cropping practices. Again, the way
this is going, crop ins may be on the hook for billions.
So, you just want to be very careful, and very specific
in meeting the details of coverage.
Besides, is committing a felony really worth the added
10 or 20% you are trying to get by cheating the system.
Not really, but robbing banks is never worth it and yet
it happens every day.
So, I'd suggest you can plant the corn but for goodness
sakes, switch to a real cheap corn hybrid from a real
low quality provider. You are going to need and paid invoice
if the auditors come after you. Same on fertilizer, use 60%
of your normal N rate, and forget the P/K as you don't
need it anyway,and you have to control the weeds anyway.
So, maybe you get direct inputs done for $100. No reason
to make it obvious you are gaming the system.
