So the X is 179.99 on Wirefly with $50 cashback from Bing (whatever that means). When you go through all the contract options the 1.99 insurance option doesn't come up in the process. What happens if Wirefly sends me a faulty phone and I don't have a insurance option currently on the contract since it was never offered initially? Anyone else experiencing this problem? I like to buy from Wirefly but not if I don't have reassurance in this matter.