Abstract: The invention provides systems and methods for determining discounted rates for insurance on and financial products relating to transgenic traited crops as compared to their traditional, non-traited counterparts. Certain methods of the invention involve generating comparison data contrasting the yields of transgenic traited crops to their traditional non-traited counterparts. The distribution of the differences between the transgenic and traditional yields is measured. The degree of correlation between the transgenic yields and the differences between the transgenic and traditional yields is measured to create a novel method for assessing mitigation of abiotic and biotic stresses by transgenic crops. A probability distribution function is fit to a traditional rate structure, and a distribution for the transgenic crop yield is determined. The discounted premium rate is determined from the probability function, and a discount rate factor is determined.