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I would like to know if I am paying for insurance on my account
Look at your bill. It will be listed if you are paying for it.
Knowing what features you are paying for is crucial, Dandsharon. You can view all features and make changes to features through your My Verizon account here, https://m.vzw.com/m/huRe. We have sent you a Private Note to take a look at this together.
DanielleR_VZW