The father of Texas Tech All-America wide receiver Michael Crabtree said the family took out a $1 million insurance policy on his son before this season.

“We got that $1 million policy that covers you in case you get injured,” Michael Crabtree Sr. said Friday afternoon. “We got it through the NCAA.”

In 1990, the NCAA implemented the Exceptional Student-Athlete Disability Insurance program. The program states that it enables qualifying student-athletes — as approved by the program administrators — to purchase a disability insurance contract with pre-approved financing, if necessary.

Though they’ve been around for almost 20 years, insurance policies for collegiate athletes became famous when Willis McGahee blew out his knee five years ago or so in the final game of his college career. College football is like that though… you can be a star 1 minute, and then in 1 play have your entire career jeopardized… costing you millions of dollars in the NFL Draft.

Michael Crabtree himself hasn’t said much about declaring for the NFL. His father though seems to be doing a lot of talking. “At first he said he was going to declare, but I don’t know what he’s doing now,” the elder Crabtree said of his son’s NFL aspirations. “I think he’ll put his name out there and see.”

I would still say there’s a 99% chance that he is going to the NFL.