As far as upping the monthly rate for insurance, that only applies to LTE phones. And I agree changes to discounts on rate plans isn't fun. But in the next year and a half, almost the entire Sprint network will be over-hauled and over-layed with LTE and it will be seamless, except where Sprint doesn't have coverage. Give them a chance. I am, and my service got worse after 6 months of having Sprint but has been getting better this year.