I don't like it, plus in reality insurance always equals losing money (in the long run).
The 1 million won't buy you a decent replacement too, plus if you buy a new guy you have to cope with too many players a few weeks later, kill your fan survey and so on...
Größter Knecht aller Zeiten aka His Excellency aka President for Life aka Field Marshal Al Hadji aka Lord of All the Beasts of the Earth and Fishes of the Seas aka aka Conqueror of the Buzzerbeater Empire in Europe in General and Austria in Particular