The other type of crop insurance does not cover inventory replacement, a necessary condition for covered sales. With this type of crop insurance you can sell your bushel replacement guarantee ahead of harvest and have almost the same risk as selling grain out of the grain bin after harvest. The risk after the sale is that prices will increase. Many growers say they eliminate risk by not preharvest selling. The fact that you are farming creates price and yield risk.
Many farmers say they have no marketing plan.
They may not have a written plan, but they do have a plan. The plan may be to sell at harvest or when the grower has a note due. I am only suggesting that one formally evaluate that plan. How you convert grain inventory to cash will be the subject of the RAM updates. Do not do anything unless you understand the strategy.