Trying to determine Colt Brennan's worth to the University of Hawai'i football program is an exercise in limitless speculation. However, Brennan and the value-conscious folks at James D. Edgeworth and Assoc. have determined a dollar figure representing what Brennan would be entitled to should a football-related injury affect his NFL prospects.

$4 million.

Brennan said he took out a loan for $28,000 to purchase an insurance plan from the Houston-based company that would protect him in the event of an injury that would be "detrimental to my draft position."

"My dad looked into a lot of things and got the best deal for me," Brennan said. "It was based on a projection from last year. I didn't want to have to be focused on it during the season."

The plan covers only the upcoming football season and post-season.

While the value of Brennan's projected first-round contract is more than double the value of the insurance plan, Brennan said coverage of up to $9 million would have cost too much.

Brennan is the only Warrior to insure himself against a career-threatening injury, but he is well aware of the relative value of the teammates who help him shine.

How would Brennan appraise wide receiver Davone Bess' golden hands?

"I'd put a lot of money down on those hands," Brennan said. "Maybe $2 million."

And the fantasy largess doesn't end there.

"I think all my receivers are worth a couple of million each," Brennan said. "They're worth it. As far as what we do, there is no one in the country who can match us. I honestly feel they're the best receiving corps in the nation."

Reach Michael Tsai at mtsai@honoluluadvertiser.com.