Nick Chubb! Warning Graphic!

[albany ed]

Originally Posted by AlwaysSunnyinIndy

Of course. Either the team or the player could purchase insurance to pay out in the event of a major injury.

But since many NFL contracts are not guaranteed, teams don't worry about insuring those type of contracts.

I'm talking about as a negotiation tool. The RB wants a guaranteed contract but the team is reluctant to offer much in terms of guaranteed. They could offer a 4 year contract with a large salary and they could purchase a large insurance policy payable to the RB if he should sustain an injury that ends the career and he gets cut early in the contract.

[AlwaysSunnyinIndy]

Originally Posted by albany ed

I'm talking about as a negotiation tool. The RB wants a guaranteed contract but the team is reluctant to offer much in terms of guaranteed. They could offer a 4 year contract with a large salary and they could purchase a large insurance policy payable to the RB if he should sustain an injury that ends the career and he gets cut early in the contract.

Yes, during contract negotiations, some vets will seek out lesser guarantees vs a full guarantee.

"Fully guaranteed" means that the player will be receiving that money - no matter the circumstances.

As you mentioned, there are other types of guarantees - the guarantee could be for a specific condition - such as guaranteed for injury only. That means that if the player suffers a football-related injury, cannot pass the team physical and is released, he will be owed that money that is injury guaranteed and teams will typically purchase insurance to cover all or part of that payout. On the other hand, if the player is healthy and cut for skill or salary cap reasons, that money is not due to the player.

Likewise, there could be amounts guaranteed for skill or cap purposes - although guaranteed for injury is probably used the most often of those three on an individual basis.