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Fredette signs up for injury insurance

Jimmer Fredette ain’t no dummy. Returning for one’s senior season in college hoops is usually a hit with the fans and gives teams less uncertainty, but it’s a risk when it comes to a professional hoops career.

But the BYU senior has that covered.

If Fredette did suffer a career-ending injury, he’s got injury insurance. No, not the kind with that annoying duck, but from the NCAA. From the Daily Herald:

Fredette qualified for an NCAA-sanctioned insurance policy. In the event of a catastrophic injury that keeps him from ever playing again -- that’s the only way this thing pays out -- he’ll be guaranteed a check in the low seven figures.

The NCAA has been proactive at making these policies possible. The Fredettes don’t even have to pay the premium until after Fredette is officially a professional (this keeps potential “sharks” away from footing the bill, and making players hostage to agents that may have future connections in mind).

Having his decision come down to the last available day in May, Fredette said he wasn’t even aware of the NCAA policies until after he decided to come back.

There is a catch, however. Fredette can’t cash out if he ever makes it to the NBA. Say he hurts himself, rehabs and eventually makes a roster. The he can’t cash in squat. Call it the Donnie Boyce hitch.

Stay healthy, Jimmer.

Mike Miller’s also on Twitter @BeyndArcMMiller, usually talkin’ hoops. Click here for more.