i watched an insurance industry presentation on brain injuries probably 8 years ago. they brought up cte, but more in the context of how the nfl and the movie on cte had entered the public realm, and now minor concussions with no long term effects were still being regarded by juries as multi-million dollar claims. after all, they saw this movie and now they know all about brain injuries...
anyway, at the time it was thought of as "you have a series of concussions over time and it could lead to brain damage. or not. plenty of nfl players are just fine. some arent."
but we have to price the risk (we used to insure riddell and the ncaa...we used to make a lot less money...) , and now the public has made any kind of concussion quite expensive. ergo why it costs so much to insure your little league baseball team, or pop warner football team, or kids' hockey team.
or your car, but that's another story and i'll get off my soapbox now.