Jameis Winston will surely be one of the top picks in the NFL Draft when he decides to leave Florida State, but the Heisman Trophy winning quarterback has reportedly taken measures to protect himself from any debilitating injuries or illness by recently purchasing an insurance policy.
Winston, who led the Seminoles to the BCS National Championship as a redshirt freshman, purchased what is called a "loss of value" policy that provides him with $8 million to $10 million in protection according to Yahoo Sports.
The 6-4, 235-pound Winston threw for 4,057 yards and 40 touchdowns while leading the Seminoles to an ACC Championship and a win over Auburn in the BCS National Championship Game
He has also had his share of highly publicized off-field troubles, including an investigation for an alleged sexual assault that was dismissed because of insufficient evidence, and shoplifting a small amount of seafood from a Tallahassee grocery store.
Winston's father said recently that he expects his son to stay in school and play football for two more years before testing the NFL waters, but purchasing this kind of insurance would seem to indicate otherwise.
The "loss of value" policy is different from policies that the NCAA makes available to its athletes, in that it would only be needed should the athlete be injured or become ill in such a manner that his professional value was diminished. The NCAA offers permanent disability coverage policies for athletes in certain sports.
In Winston's policy, it would mean that Winston could collect on the policy if he falls out of the first round of the Draft once he enters the mix. He could not collect on the policy if he should fall in the Draft because of poor play or character issues.
Regardless, purchasing a policy like this means Winston will be able to cash in one way or the other once he is drafted. He'll likely sign a significant contract with his team, or he'll cash in on his insurance policy worth millions should the unthinkable happen.
Now that Winston is a known entity, his upcoming season at Florida State becomes even interesting to monitor.
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