Now that all the talk has died down about Jadeveon Clowney sitting out the 2013 season (as if that was ever a realistic possibility), he's done the wise thing by taking out a $5 million insurance policy.
A $5 million policy is the maximum amount allowed by the NCAA, and athletes are able to take out a loan to help finance the cost of an insurance policy. It's not uncommon for marquee players to protect themselves by purchasing insurance policies. Former Tennessee safety Eric Berry took out a $3 million policy prior to his junior season in 2009. He was the No. 5 overall pick in the 2010 draft. Texas A&M quarterback Johnny Manziel said he's also in the process of taking out coverage to insure him against a potential injury this season.
Clowney would have almost certainly been the No. 1 overall selection this year had he been eligible to enter the draft. He's up to 273 pounds and said he ran a 4.54 40-yard dash this offseason.
In fact, several of the NFL people I've talked with believe Clowney would have been a first-round selection following his freshman season in 2011.