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[QUOTE="Lou_C, post: 1099718, member: 3201"]
I don't think you can defer the payments until you make the pros.  I think they can be financed, but I don't think they can just be contingent on future earnings.  If it all came out of future earnings, that means a kid might not get injured, but might just play poorly or fail a drug test or some other non-injury reason that derails his career, and the insurance company wouldn't get their premium.  I think the insurance company has to get their premium.

If this became a situation where some volleyball player can't get home for her mother's funeral because all the money has been spent on Jameis Winston or Bryce Petty's NFL insurance, then I agree that would be problematic.  But there's no indication that's happening.

As long as schools can come up with a way of providing this that makes sense and doesn't screw over other athletes, then yes, they should pay for it rather than making the kid pay for it.

To even be insurable like this they have to be a special talent and underwritten by an insurance company.  It's not like they can just offer every recruit an insurance policy that that will pay them if they don't make the NFL, no insurance company would underwrite that.  But if a kid is good enough to qualify (in football, basketball, golf, track, whatever), and the school can pay it, it's a win all around.  The school gets another year of the talent, the kid gets another year of education as well as athletic development, the pros get a kid that's a more prepared, and the kid's family isn't on the hook for premiums that they can't afford.
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