Quote:
Originally Posted by Nightfyre
Insurance use should generally be limited. For example, insuring the early years may be preferable as you could potentially get a lower rate (I would assume a younger player would be at less risk for injury in an actuary's mind). Later years will be less important to insure because you have increased payroll flexibility, inflation, etc.
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For those same reasons, I don't see the point of insuring a position player who isn't a catcher at all. Take that money and invest it in payroll. I don't give a shit if David Glass loses a few bucks on a bad contract, but I don't want him taking $10,000,000 a year that could otherwise be spent on talent going to protecting his investments.