[athlet1c]

This is a No Brainer. ITs an investment. Like Buying a New Car without Insurance. If something Happens then you play full price again. Do the math 399.99-499.99 *2 compared to 7*12 or even 7*24...............Also unless this has changed in the past 2 months if you have the full insurance and your phone malfunctions for any of the service related reasons Sprint Will overnight you a phone without going into the store. I have even had the phone replaced instore for a cracked screen. As long as it is inner LCD they can replace it. there Policy is if its serviceable meaning not Physically mutilated , and they are unable to repair it , they issue you a new or refurbished one. this can also lead to an upgrade if the unit is not in stock or no longer carried. Asurion handles the claims when eh phone is lost/stolen or physically damaged beyond repair. They also can upgrade or swap out the model if your not happy with the replacement. You Win either Way