Time for Carolina Panthers fans to move on... but one last thought on the Luck situation.

It seems abundantly clear that the rampant hope any optimism that has been building over the last week to a quick and plummeting dive this afternoon after the news Andrew Luck was returning to Stanford.

Rest assured we have four months now to analyze players, study film and try and prognosticate on who we think the Carolina Panthers should select. I remember this time last year we were shaking our heads wondering why we didn't have a 1st round pick to select Notre Dame WR Golden Tate... and so much changed since then.

In this upcoming NFL draft the Carolina Panthers will have their pick of the litter when April rolls around and all we can do is hope that someone steps from obscurity and becomes the prize. Don't think it wont happen, because it always happens. Guys like Joe Flacco, Jason Pierre-Paul... guys who back in January of their respective drafts weren't even blips on the proverbial radars. 

There is one closing footnote to Andrew Luck returning to Stanford that, quite frankly, I'm shocked and appalled by... also surprised a bigger deal isn't being made of it; and I would like to discuss that tonight, after the jump.

It's unlikely any of us should know who Rich BD Salgado or "Coastal Insurance" are, they are the people behind writing life and disability insurance policies for NFL, and prospective NFL players. To quote their president, the aforementioned Rich BD Salgado: 

In the last 5 years, Coastal Advisors has insured 25 1st round draft picks. For Disability and Life insurance.

Seems simple enough, and clearly a player who has a large risk for financial loss would look for this kind of insurance. So while it shouldn't surprise us Andrew Luck is looking for coverage as he prepares to return to Stanford, perhaps we should be at least slightly disgusted with how it's being handled.

This evening Sports Illustrated's Jim Trotter discussed a conversation he had over Twitter with Coastal Advisors: 

talked to top insurance man, @CoastalAdvisors , & he says $10M tax free policy for Luck would run abt $100k. interesting note ... he told me that the ncaa would arrange for luck to get a loan for the policy that would be repaid when he turns pro.

Yes, you read that right. Andrew Luck is seeking a $10 million, tax free policy that would presumably cover him should he befall a severe, or career ending injury during his junior season. That I understand, that seems smart and fair for a kid wanting to return to school.

I guess the problem I have is that the NCAA would suspend players for trading signatures for merchandise, sanction schools for pay-to-play scandals, yet in the same breath co-sign on a loan and front Andrew Luck $100,000 dollars to pay for his insurance policy. 

To me, this is a clear and unabashed conflict of interest. Would Andrew Luck be returning to school right now unless the NCAA helped him with his insurance costs? Why are the NCAA paying at all considering Oliver Luck makes over $300K being the athletic director at the University of West Virginia.

Perhaps I'm reading this the wrong way, and if I am I would love to hear from our CSR community. I just wonder if this is a common occurrence. Does every NCAA student athlete have the same ability to borrow money from the NCAA to secure their future, or is it just Andrew Luck?

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