FantasySportsInsurance.com To Provide Insurance For NFBC Owners

bjoak · Post by **bjoak** » Thu Jan 14, 2010 7:46 am

Originally posted by Chest Rockwell:

quote:Originally posted by ESPN8 THE OCHO:

I guess saying this was a knee jerk reponse is fair. Just like to examine situations. I will draft but must keep this is mind.

I will assure you Brandon webb just moved up from rounds 9-11 to 8-10 with this news.

Anyway good luck to all. I do believe poeple will look to draft the best teams. Maybe if enough teams play not to lose. If your goal is to finish 5th and get 500 bucks because an injury risk actually got hurt then move these guys up. [/QUOTE]Not that I have a problem with it, but economically speaking, it should move these guys up. You have an initial investment ($1300) that you spend on guys who have a certain amount of risk/reward. Reyes, for example, would be high on both ends, but if you are getting back part of your investment if he fails, it definitely lessens the risk factor and makes him a more valuable commodity.

To put it another way, take two players with the same ADP:

Player 1: 50% chance of performing like a first rounder; 50% chance of not playing.

Player 2: 50% chance of performing like a first rounder; 50% chance of not playing--but if he doesn't play you get $250.

Who are you going to want more?

If you said neither, you may be right, but someone is going to like player 1 and to that guy player 2 is far more valuable. In fact, you can put a number on it: he is exactly $125 more valuable because if you replay the season a million times, on average you'd earn $125 more with player two on your team.

[ January 14, 2010, 01:58 PM: Message edited by: bjoak ]

DOUGHBOYS · Post by **DOUGHBOYS** » Thu Jan 14, 2010 8:52 am

Overthinking hurts my head.

I know that if I draft Reyes in the second round and put him on insurance, my first round pick is doomed. Murphy's Law.

For fantasy purposes, we'll call it Edwards Law, since Wayne plays the part of being the loveable loser.

crazytown · Post by **crazytown** » Fri Jan 15, 2010 2:31 pm

I can't imagine a guy starting the season on the DL and also being on the insurance top 100 list(Beltran for example). Maybe I'm wrong there. Also remember it stated in an above post that the player must by officially on the DL.

Remember all the posts about late season DL additions regarding the Friday DL rule. Teams don't place players on the DL sometimes in September. That could also come into play with the player being insured.

DOUGHBOYS · Post by **DOUGHBOYS** » Sat Jan 16, 2010 3:01 am

Originally posted by crazytown.gov:

I can't imagine a guy starting the season on the DL and also being on the insurance top 100 list(Beltran for example). Maybe I'm wrong there. Also remember it stated in an above post that the player must by officially on the DL.

Remember all the posts about late season DL additions regarding the Friday DL rule. Teams don't place players on the DL sometimes in September. That could also come into play with the player being insured. He has to be on the dl for 60 days to get money back.

crazytown · Post by **crazytown** » Sat Jan 16, 2010 5:46 am

Correct 60 days. Pujols on the DL for 45 days in May and June. Reinjured on Sept. 3. Not placed on the official DL. Does not qualify for 60 days.

Plymouth · Post by **Plymouth** » Sat Jan 16, 2010 5:49 am

Originally posted by crazytown.gov:

Correct 60 days. Pujols on the DL for 45 days in May and June. Reinjured on Sept. 3. Not placed on the official DL. Does not qualify for 60 days. Just for clarification, is that 60 consecutive days on the DL or 60 days in a season?

Greg Ambrosius · Post by **Greg Ambrosius** » Sat Jan 16, 2010 7:24 am

Originally posted by Plymouth:

quote:Originally posted by crazytown.gov:

Correct 60 days. Pujols on the DL for 45 days in May and June. Reinjured on Sept. 3. Not placed on the official DL. Does not qualify for 60 days. Just for clarification, is that 60 consecutive days on the DL or 60 days in a season? [/QUOTE]60 for the season

Less than Dave · Post by **Less than Dave** » Mon Jan 18, 2010 11:37 am

What the heck is all this...? Why are people so

??

headhunters · Post by **headhunters** » Mon Jan 18, 2010 12:00 pm

i don't know dave- but i am moving sizemore up. can he pitch too? btw- the clock is ticking on hafner saying- " ok i admit it- even though i looked "country strong"- i was on roids"

The RoundTrippers · Post by **The RoundTrippers** » Mon Jan 18, 2010 12:01 pm

why are people mad?? because they dont understand and rush to judge...thats why....its free and people dont like free things anymore!!!

Quahogs · Post by **Quahogs** » Tue Jan 19, 2010 4:56 am

Originally posted by The RoundTrippers:

why are people mad?? because they dont understand and rush to judge...thats why....its free and people dont like free things anymore!!! I think it's just the word INSURANCE. People have a bad association with the word. Car Insurance - ugh (especially for NY-NJ). Call the Insurance company - Ugh. Health Insurance - Ugh. Buy life insurance (you pay the premium, you die and someone else gets the money - double ugh)

They should call it FREE Prop bets. If your player is on DL for 60 days you get $250. Yes !

Lunatic · Post by **Lunatic** » Tue Jan 19, 2010 5:07 am

Personally, I don't understand some of the apprehension; Steve is right, "insurance" is not a fun word.

That said, I am sending a check and will insure one of my top picks; the KEY word was "FREE". I don't see this as a gimmick I see it as good business and a WIN-WIN situation. I don't have to pay by Credit Card and Fanball saves something by not having to pay the CC transaction penalty, yes, I called it a penalty...

I always have the best intentions to pay off my CC balance in full but it never seems to work out that way. Again, it is a WIN-WIN situation. One more comment as with all my insurance policies, I am glad I have them and hope I never have to use them. It will be the same here; can we get a policy for under achieving 1-5th round picks?

sportsbettingman · Post by **sportsbettingman** » Tue Jan 19, 2010 5:12 am

Originally posted by Quahogs:

quote:Originally posted by The RoundTrippers:

why are people mad?? because they dont understand and rush to judge...thats why....its free and people dont like free things anymore!!! I think it's just the word INSURANCE. People have a bad association with the word. Car Insurance - ugh (especially for NY-NJ). Call the Insurance company - Ugh. Health Insurance - Ugh. Buy life insurance (you pay the premium, you die and someone else gets the money - double ugh)

They should call it FREE Prop bets. If your player is on DL for 60 days you get $250. Yes ! [/QUOTE]I agree 100%. Ugly word.

YOU guess which top 100 player misses 60 days (ON THE OFFICIAL DL) or more, and we'll give you a prize!!! (Do you even HAVE to draft that player???) It's like hedging your bet (which is like insurance...but "hedge" sounds MUCH better...like BUSH!)

Anyone have the numbers on "top 100 players" to officially miss 60+ days ON THE DL over the last 3-5 years...so I can crunch the numbers?

[ January 19, 2010, 11:13 AM: Message edited by: sportsbettingman ]

Lunatic · Post by **Lunatic** » Tue Jan 19, 2010 5:23 am

Again, people seem to think this is a gimmick or something; people just don't get it I guess; to use the word "prize" is not a true representation of what this is. Again, I am guessing know wants to win this "PRIZE"

Greg Ambrosius · Post by **Greg Ambrosius** » Tue Jan 19, 2010 5:33 am

Originally posted by sportsbettingman:

quote:Originally posted by Quahogs:

quote:Originally posted by The RoundTrippers:

why are people mad?? because they dont understand and rush to judge...thats why....its free and people dont like free things anymore!!! I think it's just the word INSURANCE. People have a bad association with the word. Car Insurance - ugh (especially for NY-NJ). Call the Insurance company - Ugh. Health Insurance - Ugh. Buy life insurance (you pay the premium, you die and someone else gets the money - double ugh)

They should call it FREE Prop bets. If your player is on DL for 60 days you get $250. Yes ! [/QUOTE]I agree 100%. Ugly word.

YOU guess which top 100 player misses 60 days (ON THE OFFICIAL DL) or more, and we'll give you a prize!!! (Do you even HAVE to draft that player???) It's like hedging your bet (which is like insurance...but "hedge" sounds MUCH better...like BUSH!)

Anyone have the numbers on "top 100 players" to officially miss 60+ days ON THE DL over the last 3-5 years...so I can crunch the numbers? [/QUOTE]Always the skeptic Lance, always the skeptic.

You don't need to crunch the numbers. As Doughboys said earlier, we're all more likely to insure our first round pick and then when we do that our second round pick will be out for the season. It's tough to even insure the RIGHT GUY when you get free insurance.

But that being said, you just need to know these names from last year: Jose Reyes, Brandon Webb, Jake Peavy, Geovany Soto, Rickie Weeks. They all killed our seasons last year and if you had this FREE policy you might have saved a little money.

This isn't your saving grace to entering the NFBC. But it's courtesy of a sponsoring company if you choose to pay by check. If you want to avoid the aggravation of this freebie, just provide your credit card number and let Bank of America have 3 percent of your total. That's easy enough.

But of course, first you have to enter to have any chance at any of this. Mr. Turbes, step right up, you're the next contestant on the NFBC Is Right!!

Quahogs · Post by **Quahogs** » Tue Jan 19, 2010 5:35 am

Almost forgot. Insurance Salesman. Ooofah.

sportsbettingman · Post by **sportsbettingman** » Tue Jan 19, 2010 5:39 am

Originally posted by Lunatic:

Again, people seem to think this is a gimmick or something; people just don't get it I guess; to use the word "prize" is not a true representation of what this is. Again, I am guessing know wants to win this "PRIZE" How many of their top 100 will you even have on your roster, 6-7? The first few rounds of a draft ARE first few "rounders" DUE to their proven durability...otherwise they'd fall like stones.

So you're insuring either a top rounder that will most likely not pay out (and like mentioned before...you are screwed if they do)...or you're insuring a 4-7th rounder. Most injury risk players will NOT be in the top 7 rounds. The top 7 rounders may indeed get hurt, but I'd love to see a sortable list of players days on the official DL so I can see how good/bad of an investment this is. The freebie is fine...but the company is not based on the freebie, even though it's not actually free, as that money could have been used in many ways (to sponsor/host a party with either the freebie money, or the money saved in CC fees, etc.) Nothing is free.

sportsbettingman · Post by **sportsbettingman** » Tue Jan 19, 2010 5:46 am

I know this is not official...but this was the NFBC top 100 ADP from your site...(I don't see Weeks here) (160-something ADP)

So if my math is correct...there were 4 of the top 100 ADP players who qualified for the insurance in 2009. The odds of you HAVING one of those four is less than that, and the odds you SELECT that player (if you had him) are less than that.

Someone please post a link to a sortable list of "days on official DL" ...I can't seem to track one down searching.

1. Hanley Ramirez SS Fla 1.5 1 4 100.00%

26 / 26

2. Jose Reyes SS NYM 2.46 1 5 100.00%

26 / 26

3. Albert Pujols 1B StL 2.73 1 4 100.00%

26 / 26

4. David Wright 3B NYM 3.38 1 5 100.00%

26 / 26

5. Miguel Cabrera 1B Det 5.96 4 11 100.00%

26 / 26

6. Grady Sizemore CF Cle 6.54 5 10 100.00%

26 / 26

7. Ryan Braun LF Mil 7.42 5 12 100.00%

26 / 26

8. Jimmy Rollins SS Phi 7.96 5 14 100.00%

26 / 26

9. Ian Kinsler 2B Tex 10.31 6 14 100.00%

26 / 26

10. Ryan Howard 1B Phi 10.31 7 15 100.00%

26 / 26

11. Mark Teixeira 1B NYY 10.81 6 18 100.00%

26 / 26

12. Josh Hamilton CF Tex 11.23 6 15 100.00%

26 / 26

13. Chase Utley 2B Phi 12.5 8 21 100.00%

26 / 26

14. Carlos Beltran CF NYM 15.92 12 24 100.00%

26 / 26

15. Lance Berkman 1B Hou 19.69 11 27 100.00%

26 / 26

16. Carlos Lee LF Hou 20.27 13 30 100.00%

26 / 26

17. Carl Crawford LF TB 20.38 13 38 100.00%

26 / 26

18. Alfonso Soriano LF ChC 20.54 15 29 100.00%

26 / 26

19. Evan Longoria 3B TB 20.58 12 28 100.00%

26 / 26

20. B.J. Upton CF TB 21.04 12 38 100.00%

26 / 26

21. Matt Holliday LF StL 21.08 13 32 100.00%

26 / 26

22. Dustin Pedroia 2B Bos 21.62 13 31 100.00%

26 / 26

23. Tim Lincecum SP SF 21.88 11 36 100.00%

26 / 26

24. Alex Rodriguez 3B NYY 23.96 8 42 100.00%

26 / 26

25. Matt Kemp CF LAD 24.12 16 37 100.00%

26 / 26

26. Johan Santana SP NYM 24.92 14 39 100.00%

26 / 26

27. Prince Fielder 1B Mil 25.46 13 38 100.00%

26 / 26

28. Brandon Phillips 2B Cin 27.96 17 39 100.00%

26 / 26

29. Manny Ramirez LF LAD 28.31 18 40 100.00%

26 / 26

30. Justin Morneau 1B Min 29.38 14 37 100.00%

26 / 26

31. Aramis Ramirez 3B ChC 32.38 17 46 100.00%

26 / 26

32. Nick Markakis RF Bal 32.5 17 45 100.00%

26 / 26

33. Brian Roberts 2B Bal 34.23 25 45 100.00%

26 / 26

34. Alex Rios RF ChW 34.46 24 45 100.00%

26 / 26

35. Ichiro Suzuki RF Sea 35 22 51 100.00%

26 / 26

36. Jason Bay LF Bos 36.5 23 51 100.00%

26 / 26

37. Jacoby Ellsbury CF Bos 37.58 27 48 100.00%

26 / 26

38. CC Sabathia SP NYY 37.77 23 51 100.00%

26 / 26

39. Alexei Ramirez SS ChW 39.65 21 55 100.00%

26 / 26

40. Brian McCann C Atl 40.35 31 51 100.00%

26 / 26

41. Adrian Gonzalez 1B SD 42.15 25 53 100.00%

26 / 26

42. Kevin Youkilis 1B Bos 43 29 57 100.00%

26 / 26

43. Curtis Granderson CF Det 43.27 29 55 100.00%

26 / 26

44. Carlos Quentin LF ChW 43.88 28 58 100.00%

26 / 26

45. Nate McLouth CF Atl 46.04 32 58 100.00%

26 / 26

46. Shane Victorino CF Phi 47.23 31 58 100.00%

26 / 26

47. Russell Martin C LAD 47.54 37 63 100.00%

26 / 26

48. Joey Votto 1B Cin 49.85 36 67 100.00%

26 / 26

49. Brandon Webb SP Ari 50.31 35 65 100.00%

26 / 26

50. Corey Hart RF Mil 50.58 31 59 100.00%

26 / 26

51. Vladimir Guerrero DH LAA 50.88 41 63 100.00%

26 / 26

52. Rafael Furcal SS LAD 50.96 31 79 100.00%

26 / 26

53. Chris Davis 1B Tex 51.23 39 81 100.00%

26 / 26

54. Roy Halladay SP Tor 53.31 37 65 100.00%

26 / 26

55. Jake Peavy SP ChW 55.23 31 81 100.00%

26 / 26

56. Geovany Soto C ChC 55.38 46 62 100.00%

26 / 26

57. Dan Haren SP Ari 56.96 33 68 100.00%

26 / 26

58. David Ortiz DH Bos 56.96 42 77 100.00%

26 / 26

59. Jonathan Papelbon CL Bos 60.96 50 70 100.00%

26 / 26

60. Cole Hamels SP Phi 61.58 43 86 100.00%

26 / 26

61. Bobby Abreu RF LAA 61.69 49 80 100.00%

26 / 26

62. Victor Martinez C Bos 63.77 50 84 100.00%

26 / 26

63. Hunter Pence RF Hou 64.42 53 90 100.00%

26 / 26

64. Francisco Liriano SP Min 65.23 47 79 100.00%

26 / 26

65. Dan Uggla 2B Fla 69.58 41 89 100.00%

26 / 26

66. Joe Nathan CL Min 69.65 60 91 100.00%

26 / 26

67. Chad Billingsley SP LAD 70.54 59 90 100.00%

26 / 26

68. Josh Beckett SP Bos 70.92 50 91 100.00%

26 / 26

69. Stephen Drew SS Ari 70.96 41 85 100.00%

26 / 26

70. Magglio Ordonez RF Det 72.62 46 96 100.00%

26 / 26

71. Troy Tulowitzki SS Col 73.85 57 98 100.00%

26 / 26

72. Jay Bruce RF Cin 76 61 103 100.00%

26 / 26

73. Mariano Rivera CL NYY 76.15 62 112 100.00%

26 / 26

74. Francisco Rodriguez CL NYM 77.23 56 98 100.00%

26 / 26

75. Roy Oswalt SP Hou 77.88 60 95 100.00%

26 / 26

76. James Shields SP TB 80.62 63 98 100.00%

26 / 26

77. Brad Lidge CL Phi 81.15 62 100 100.00%

26 / 26

78. Joakim Soria CL KC 81.42 68 100 100.00%

26 / 26

79. Jhonny Peralta 3B Cle 83.92 73 101 100.00%

26 / 26

80. Adam Dunn 1B Was 84.31 60 118 100.00%

26 / 26

81. Chipper Jones 3B Atl 84.88 44 123 100.00%

26 / 26

82. Derek Jeter SS NYY 85.54 70 114 100.00%

26 / 26

83. J.J. Hardy SS Min 85.88 70 123 100.00%

26 / 26

84. Garrett Atkins 3B Col 87.62 56 125 100.00%

26 / 26

85. Derrek Lee 1B ChC 89.31 68 117 100.00%

26 / 26

86. Michael Young 3B Tex 89.5 65 130 100.00%

26 / 26

87. John Lackey SP LAA 89.62 71 117 100.00%

26 / 26

88. Torii Hunter CF LAA 90.15 71 133 100.00%

26 / 26

89. Felix Hernandez SP Sea 93.12 46 119 100.00%

26 / 26

90. Jonathan Broxton CL LAD 94.12 78 127 100.00%

26 / 26

91. Carlos Pena 1B TB 94.27 60 149 100.00%

26 / 26

92. Chone Figgins 3B Sea 94.77 63 132 100.00%

26 / 26

93. Aubrey Huff 1B Det 95.92 65 154 100.00%

26 / 26

94. Ryan Ludwick RF StL 96.92 60 147 100.00%

26 / 26

95. Jose Valverde CL Hou 96.96 80 116 100.00%

26 / 26

96. Yovani Gallardo SP Mil 97.62 62 118 100.00%

26 / 26

97. Robinson Cano 2B NYY 98.92 47 132 100.00%

26 / 26

98. Jon Lester SP Bos 100.38 76 128 100.00%

26 / 26

99. Ryan Doumit C Pit 100.92 69 126 100.00%

26 / 26

100. Andre Ethier RF LAD 102.23 69 132

[ January 19, 2010, 12:05 PM: Message edited by: sportsbettingman ]

Lunatic · Post by **Lunatic** » Tue Jan 19, 2010 6:07 am

Originally posted by sportsbettingman:

quote:Originally posted by Lunatic:

Again, people seem to think this is a gimmick or something; people just don't get it I guess; to use the word "prize" is not a true representation of what this is. Again, I am guessing know wants to win this "PRIZE" How many of their top 100 will you even have on your roster, 6-7? The first few rounds of a draft ARE first few "rounders" DUE to their proven durability...otherwise they'd fall like stones.

Lance: I am not paying a red cent for this, so that constitutes, "FREE" Now if you can tell how it is costing me, please feel "free" to enlighten me....

So you're insuring either a top rounder that will most likely not pay out (and like mentioned before...you are screwed if they do)...or you're insuring a 4-7th rounder. Most injury risk players will NOT be in the top 7 rounds. The top 7 rounders may indeed get hurt, but I'd love to see a sortable list of players days on the official DL so I can see how good/bad of an investment this is. The freebie is fine...but the company is not based on the freebie, even though it's not actually free, as that money could have been used in many ways (to sponsor/host a party with either the freebie money, or the money saved in CC fees, etc.) Nothing is free. [/QUOTE]

Lunatic · Post by **Lunatic** » Tue Jan 19, 2010 6:08 am

wow, that didn't work out; anyways, enough with this debate...

TOXIC ASSETS · Post by **TOXIC ASSETS** » Tue Jan 19, 2010 6:21 am

Anything that makes this game more like being a real GM is a good thing.

I personally would not buy this particular product (all you have to do is check out the # of players that it actually would have paid out on last year), but having it as yet another option makes the game better.

I'm sure this product will evolve over time and you'll soon see products that cover less extensive amounts of time on the DL.

The RoundTrippers · Post by **The RoundTrippers** » Tue Jan 19, 2010 7:01 am

ITS FREE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Dak · Post by **Dak** » Tue Jan 19, 2010 7:46 am

Originally posted by The RoundTrippers:

ITS FREE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! But it may not in the future!!! Besides, I'd rather write a ck and split the B of A fee savings with Fanball.

bjoak · Post by **bjoak** » Tue Jan 19, 2010 8:10 am

Lance, there's been no indication yet of where this list of players will come from. I doubt it will be ADP unless it's qualified, like the top 100 insurable players by ADP, eliminating Reyes for example. Personally, my guess is that they will go with the top 100 players by last year's performance, with some method of valuation to determine that.

DOUGHBOYS · Post by **DOUGHBOYS** » Tue Jan 19, 2010 8:54 am

In the end, if we decide to pay by check rather than credit card we get a free option.

Nothing more, nothing less.