I had no insurance on my lost phone, I don't think I have another choice. My husband still has his phone, but I lost mine and we cannot afford to buy another. I think the $350 ETF at Tmobile may be the only solution unfortunately. Seems so stupid, but can anyone see another way? I lost the phone at my kids' school at pick up and really thought someone would have turned it in by now, but no luck. And it shows "offline" since I lost it which was on 4/24.