When Keith Lerner saw University of Miami running back Willis McGahee go down in the fourth quarter of the National Championship game, he bolted from his couch, went into his home office and immediately began rifling through the papers. Only five hours before, Lerner, an insurance agent based in Gainesville, Fla., had completed the paperwork on a $2.5 million insurance policy for the sophomore stud who was projected to be a top NFL draft pick in April. "I faxed his physical information to Lloyd's of London at 3 o'clock on Friday," Lerner said. "The ink wasn't even dry on the...