good to know. I didn't get one, but there are two ways to look at it. you pay 7.00 a month for 2 yrs of coverage, plus 100.00 deductable and you can get a new phone. on the other hand, you drop it the first month, its a lifesaver. I think I will go back to my old ways of having the insurance the first year and then drop the coverage. I will get a two yr discount, but not 100.00 credit.