Add Texas quarterback Colt McCoy to the list of returning seniors who have taken out a large insurance policy in case of injury Brad McCoy, Colt's father, said Sunday that Colt has a policy that would pay between $3 million and $5 million in the event of a career-ending injury. "The premium is astronomical," said Brad McCoy. "But the payback in the event of a catastrophe puts the monetary value there. We felt it was the prudent thing to do." Sam Bradford's father, Kent, is an insurance specialist. And because his son is a client, he declined to provide any specifics regarding Sam's policies. However, Kent Bradford said Sunday: "The odds of a kid getting a career-ending injury is slim. But if it did happen, and you had the chance to insure, chances are you would feel pretty dumb. You're insuring earnings power." Joe Schad is a college football reporter for ESPN.