Thunder Good-Oil
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Picks 15-30 (second half of first round) make roughly two million down to one million in their first year with increased of 400k to 500k each year. rookie contracts in the first round are guaranteed 3 years with a 4th year team option (I am less certain about this part).
Either way, no rookie makes 10-20 a year (short of endorsements)
NBA Rookie Salary Scale - By Draft Year | Basketball Insiders | NBA Rumors And Basketball News
And insurance policies don't pay annually if the player is injured. I'm saying that if he can get drafted now, even at the bottom of the first round, it's not a good idea to risk losing millions by playing a season in college when he could get injured.