Teddy Bridgewater's draft stock is tumbling, but the former Louisville quarterback may have been prepared for such an event.

Unnamed sources told ESPN's Darren Rovell that Bridgewater added $5 million to his $10 million disability insurance policy before leaving Louisville. The $5 million was "loss of value" insurance.

If Bridgewater is not drafted in the first round and can prove he is injured or ill, he will collect $5 million tax-free. Disability insurance is common for college sports' top prospects and the loss of value insurance is dependent on proof of injury or illness.

According to his policy, he could even start collecting $20,000 at the most if he is not taken in the first 11 picks come May's draft. Bridgewater's falling draft stock is particularly confusing, especially since there have been no reports of an injury.

Mike Mayock, an analyst with NFL Network, said recently on the Petros and Money Show he would not take Birdgewater in the first round.

"If I was a GM in the NFL, I would not take him in the first round of the draft," he said.

Mayock, like many draft experts and evaluators, saw Bridgewater being taken within the first five picks. In Feb., he told reporters on a conference call he believed the former

"He understands 3-step, 5-step. He reads more than just half a field. So you can put the tape on and watch him do things and say, yeah, that translates to the next level," he said, according to Cleveland.com. "He's not as much a wild card as Manziel, and I think he's more developed in his reads and throws than Bortles. That's why I say I think he's the most ready to play. Whether or not he's going to be there (for the Browns at No. 4), that depends what Houston and Jacksonville do.''

Todd McShay and Mel Kiper, ESPN's NFL Draft experts, viewed Bridgewater as a potential first pick overall. In their latest predictions, McShay dropped him to 20th and Kiper actually did have him going to the Texans with the first selection in the second round.

Related