I would add this to this as well to the new "forever leasing a phone" model, you have to get insurance which makes sense. However the monthly insurance premium can go up at any time. This just just happened to me. I received a letter from the insurance company the carrier uses - not the carrier informing me that the insurance is going up $2.00 more a month(it was $8.00 its now $10.00.) Thats not an insignificant percentage. This is despite never having to have made a claim for any damages or replacement to the phone.