Thank You TMoto & jf343 for your help...

& jf, I understand how upset you are about the insurance thing I felt the same way and even considered leaving t-mo for it...but if something goes wrong with the d415 there is always a one year warranty on the phone from samsung! The t-mo rep. I spoke to actually told me to get my handset insured through my auto insurance company!!! I understand the system was too easy to scam (I know people who did it and are still doing it with sprint) but I've always had insurance on previous phones through best buy and it came in handy...I guess we'll see what happens 😢

Thanks again!!