Ok TomJones76 I'm not going to pile on you, there are plenty of people on here who will do that for me. What you might be missing is the fact that there are insurance policies available for that and they don't involve agents. That's if you are concerned for him from an injury and loss of income standpoint.
Other than that I can't help you except to say "stop drop and roll" cause the flames are going to get hot.
That's true...but how do you get an insurance policy if you don't have the money to pay for it. I don't know his financial situation but I am sure those policies are pricey.
I totally agree going through an agent is against the NCAA rules & he shouldn't have done that.
But, what do you do if you come from a poor background & can't afford the insurance policy?
Just...kind of a "catch 22" situation...