Some have suggested South Carolina defensive end Jadeveon Clowney sit out his junior season in order to ensure that an injury doesn’t affect his draft status for 2014.

It doesn’t sound like that is in the works, though, as Alex Marvez of Fox Sports reports that Clowney is “seeking insurance” for the upcoming season and reached out to New York’s Richard “Big Daddy” Salgado about a potential policy that would be worth as much as $5 million in the event an injury ended his career.

While the specifics of what Clowney is looking at are unknown, it’s worth noting most of these type policies only pay out if a player’s career is ended. If Clowney suffers an injury that negatively impacts his draft status – look at what happened to his Gamecocks teammate running back Marcus Lattimore – he would not be compensated.

Many are already speculating Clowney will be the prize of the 2014 draft. If he was the No. 1 overall pick, certainly he would be in line for a much bigger pay day than $5 million. The figure would be closer to five times that amount.

But it’s not a bad idea to seek coverage, something the NCAA allowed players to begin doing in 1990, per Marvez. Clowney turns 20 on Thursday.

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Brad Biggs covers the Bears for the Chicago Tribune