As part of the reworked contract both sides agreed to last week, the 49ers purchased a $7.5 million insurance policy for Colin Kaepernick and added an easily attainable $1 million incentive, according to league sources.
The 49ers purchased a three-part, half-million-dollar insurance policy in which Kaepernick is the beneficiary, according to a league source. If Kaepernick is hurt to where he cannot play next season, he would collect $7.