I just quoted multiple articles, with direct quotes from people who do this stuff for a living, showing you that not only are these types of policies common for professional athletes but that they are not prohibitively expensive. But keep burying your head in the sand I guess because you can't admit you were wrong.
I still don't think you quite understand that the insurance company wouldn't be paying out the full contract amount if the loss of value policy had to be used and that LOV policies aren't going to be for the full amount of a contract. They would be paying out the difference between what he got and what he was expected to get - which could realistically only be a few million per year at most for each year of the contract. They aren't paying out 72 million or even 42 million in the event the policy is used. And Trouba
Do you really believe that professional athletes, who's entire earnings depend on their ability to move/skate/run/etc and not be disabled (unlike the typical person who is working behind a desk) don't have any sort of disability insurance? Because disability insurance is going to be more expensive than a 1 year/limited term loss of value policy rider is.
Odell Beckman, $100M policy estimated to cost him $600k.
Odell Beckham Jr. Calls Audible on $100M Player Disability Insurance Policy | Hunton Insurance Recovery Blog
Look, I don’t know what the exact cost of one of best would be for Trouba - maybe 300k, maybe 1M - I don’t know. But these riders aren’t cost prohibitive for athletes to do (especially athletes expecting a 70 million payday) and athletes likely aren’t going to insure the entire amount anyways - they are simply looking to hedge their losses a bit in the case of an injury.