For some time others have had trouble hearing me on my phone (I can hear them fine). Since I had a new phone from Assurion (my last phone lost while traveling), I assumed the problem was on the other end. Because many of my calls are made from home, I thought it might be a WIFI problem and contacted the local phone company that provides my signal. I have called AT&T more than once about the problem. Finally, I went to the AT&T store last week, and the person on the help desk could only hear me intermittently. The store provided me a phone with which we could communicate, but the Assurion number they were going to refer me to was not available because of New Years. I went back today and waited to speak to someone for 1.5 hours. I got on the phone with Assurion and was told you would provide a replacement phone if I paid $200, and then you would cancel my insurance. I objected, and I was informed Apple might honor their warranty. I went to the Apple store, and they would honor the warranty except that Assurion provided me with a phone re-manufactured by Valuetech. Apple no longer regards it as one of their products. I agree it took me a long time to realize I had a defective phone, but your service policy is entirely inadequate. I would like AT&T to contact me if you have a different remedy. Thank you.