A) You play for $14.5m and buy a $30m insurance policy for $300k. If you don't get hurt, then your next contract only needs to net you $30.8m guaranteed to get to $45m. Anything over $30.8 is gravy.
Yes but I am assuming he could not find an insurance company to guarantee him $30 million. It sounds great in principle and I realize that there are insurance companies who insure football players but $30 million is a lot. None of us know enough about that industry to know whether or not he could have purchased that type of policy