Texas A&M quarterback Johnny Manziel and his family have taken out an insurance policy to guard against the loss of potential future earnings due to injury, Manziel said Tuesday after the Aggies capped their second day of spring drills.
"It's just a precaution," Manziel said, via Sam Khan Jr. of ESPN.com. "I think there's a lot of players who have done it in the past and you never know what could happen. Football is a dangerous sport, so you kind of have to make sure that you take a precaution in that regard."
Manziel does indeed join a long line of college stars who have taken out similar policies as student-athletes, though most – like a Jadeveon Clowney, for instance – do so later in their careers. Of course, most sophomores (like Manziel) aren't fresh off a Heisman-winning season.
"I talk to players all the time about different issues in their lives and guys that for whatever reason, feel like they need to protect their interests professionally, they have insurance policies," Texas A&M coach Kevin Sumlin said. "There's ways to do that through the NCAA and like I said, there's probably more people than you think that have done that over the course of the last few years."
Manziel said that his family and the university are handling the process of securing the policy. Student-athletes are able to acquire coverage through the NCAA's "Exceptional Student-Athlete Disability Insurance Program," which was established in 1990 and can provide up to $5 million in coverage, Khan notes.
Technically, Manziel could opt to enter the NFL Draft after this season – as a redshirt sophomore, he would be three years removed from his high school graduation at the completion of 2013. Is an early leap to the NFL something that's on his mind heading into spring practice?
"I'm not leaning any way," Manziel said when asked about the NFL. "Whenever that decision comes, [I'll] have to sit there and evaluate it just like you do anything else in your life.
"If the NFL, you have an opportunity to go, then you look at it. Like I said, I love this place, I love coach Sumlin and all my teammates here. I'm very happy with being in Aggieland for five, six, however many years I'm here. I'm not in any rush to make a decision like that."
Until that decision comes, Manziel is in good hands with Allstate. Or like a good neighbor, State Farm is there. Or he knows Aflac will give him cash, which is just as good as money. He's protected.