Races to 15 made a 10-pack much more likely compared to races to 11, although the chances were still pretty slim. I wonder if the person doing the calculation for the underwriter considered match length.
I suspect cj had significant influence on the underwriting criteria, given the racking requirements...and the fact there was a bonus/ policy at all.
I bet whoever wrote that agreement felt a lot like the vegas oddmakers did after Lebron beat buddy, also.