I don't think these policies are as easy to come by as either you or
@obey86 are making them out to be and are very complex in nature. Remember Crosby during the last lockout couldn't get this actually done because his was so complex in terms of an example for what
@Bench would be talking about. But there it is at that particular time a hands down top 10 player in the world couldn't secure the necessary insurance policies to make playing hockey worth his while during the stoppage.
Trouba will almost assuredly have some version of insurance, but I doubt he can get the kind of loaded proposals being listed. He doesn't have a tenth of the marketability of OBJ if he was to suffer a catastrophic injury. In terms of OBJ you still have the celebrity status and likely outpouring of support that the insurance company has to weigh in for their risk models. Hockey players are not going to drive those numbers up in their assessment. I would be stunned if McDavid and Matthews who are easily more marketable could get the kind of policies that are being thrown around as a given. OBJ is one of the biggest superstars in sports. I get arguing he shouldn't be for those that want to have it but that dude isn't a normal example. Several of the collegiate examples also don't make sense as they usually are leveraged against the university as well to help up the funds and stem the ability to go back after the university or insurance company so the player is actually getting leveraged in this day and age by two multi-billion dollar entities to sign away some right for those agreements.
I think these are handed out quite a bit in baseball and basketball. I am surprised they are as often as they are in football, they don't appear to be widespread in hockey from what I know of the industry. Yes some guys have them, but heck we even famously as eluded to in this thread have teams that still don't insure contracts which to me is absolute insanity, but there it is... I wouldn't present this as a universal thing in the NHL and NHLPA.
In any event it is quite complex.