They won't give out a $100 million insurance policy to some dude off the street. You have to demonstrate that if all things are equal, you will get that kind of contract down the road. The premiums of course will be appropriate.

In one game Zach Wilson has shown himself worthy of a 100 million dollar insurance policy. And the actuaries probably think they're getting a good deal...

That is a testament to how much potential Zach Wilson has. Insurance companies don't give money away.