Years ago, athletes' disability insurance was almost exclusivelyused by college football players with promising professionalfutures. Recent years, however, have seen an increase in thecoverage's popularity among NFL players, especially those incontract years, according to a story in NJ.com.

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Green Bay Packers tight end Jermichael Finley, who suffered apossible career-ending spinal contusion earlier in the season, hassaid he is insured for $10 million, despite being in a goodposition financially if he were to never play football again, thestory, written by Jordan Raanan, notes.

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Similarly, New York Giants wide receiver Victor Cruz boughtdisability insurance last year when he was set to become arestricted free agent, NJ.com says.

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Conversely, another Giants wide receiver, Hakeem Nicks, optedout of the coverage. “It got brought my way but, honestly, I neverreally thought about it,” Nicks tells NJ.com. “I heard the goodabout it; I heard the bad about it.”

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“The bad is you have to pay $40,000 to $50,000, and then if youdon't get hurt, you don't get your money back,” Nicks tellsNJ.com. “That's not a win-win situation in my book. I'd rather keepmy money and pray about it and ask the Lord to keep mehealthy.”

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Read the whole story by Jordan Raanan at NJ.com.

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