I Signed up to T-mobile a week ago and brought my own device the Nexus 5 but found out Service in my house was still terrible 5-6 years later and had no Wifi calling... So this week I got a Galaxy note 3 from T-mobile and "upgraded" ( I probably would of canceled my service then start fresh but i wanted to keep my unlimited Data for $20). When the rep did this She said she HAD to put the insurance onto my account for her to upgrade my phone which it sounds like a bunch of baloney to me. Fortunately now i think it is a good idea to keep it so i can upgrade to the Note 4 in the fall + If I ever lose or get it stolen i have the option to pay $175 for the phone vs paying off the EIP + a new phone.
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