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Though Winston's father recently said he wanted his son to play two more football seasons for the Seminoles while earning his degree, industry experts say underclassmen who purchase insurance policies as large as Winston's almost always enter the NFL draft following the season for which they purchased coverage. That reality is largely due to the hefty premiums players have to pay out of pocket (often with the help of their families) to protect themselves. Policies the size of Winston's can carry a $55,000 to $60,000 premium payment per year, which industry sources say most players have to obtain by financing.