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Oh, my mobile carrier is AT&T and the monthly Mobile Insurance Premium is $ 6.99, which will generate revenue $83.88/year to AT&T. Not a bad deal (to AT&T) at all considering very rare amount of people may claim it.
I am in America and my monthly mobile bill is being expensed thru company. Yeah, our company do grant us the permission to buy additional insurance just in case any unexpected thing(s) may occur to the phone. FYI.