The San Francisco 49ers purchased a $7.5 million insurance policy for Colin Kaepernick and added an easily attainable $1 million incentive as part of their restructured contract.

The 49ers purchased a three-part, $500,000 insurance policy in which Kaepernick is the beneficiary.

If Kaepernick is hurt to the point where he cannot play next season, he would collect $7.5 million tax-free, a figure close to what he would have collected in Year 2 of his original contract ($14.5 million before taxes).

The 49ers also enticed Kaepernick to sign the reworked contract with a playing-time incentive that is easy to reach.