I just got my new iPhone 4S Feb. 24. Had a long 5 day wait since Apple insisted on shipping it to me. Anyway when I first setup my account with AT&T I opted out of the "insurance". You know the one I'm talking about. The replace it no matter what happens to insurance they charge (well at least me anyway) $7.00 a month for. Well after what a week of having my 4S I decided I should go ahead and get the insurance before my 30 day window to add it to my plan ran out. And I tell ya somehow I feel a lot better having it. If ANYTHING happens to my iPhone 4S I get a new. And I actually feel better. Has anyone else either opted out of, or, opted in of the optional protection plan offered by your service provider? Of course the question applies to people that got their iPhone through one of the authorised service providers. So you who are useing "unlocked" iPhones would probably not have that option. SO! Did you or did you not get insurance?