When my wife and I first got our iPhone 5s on T-Mobile we declined the device insurance and low and behold when I checked online they had signed us up for it anyway. This weekend we upgraded to the 6. We had paid off our old iPhones and weren't part of the Jump program. I declined the Jump program and can you guess what happened? I went home and checked our account online and they had signed us up for it! I have really liked T-Mobile except for these instances. I'm not sure if the sales people get a commission for signing people up or if it's some corporate policy, but it's annoying. Easy to take the service off after the fact. I just thought I would warn my Macrumors family to check their accounts for miscellaneous services after upgrading.