horrible experience and useless insurance

Pay for insurance on all of my phones. Dumb idea. Insurance means nothing and I've paid for phones several times over for nothing. Two of my sons go to get phones fixed through insurance at the local store.  Separate incidents at separate times. They are told there is nothing that can be done. They get cheap replacements and move on. Topic finally comes up months later as they do not live at home with me. T-mobile refused to replace their phones and I am STILL paying for the insurance. Nothing but the run around from t-mobile. A "supervisor" calls me and tries to strong arm me into buying additional phones. Talks over me. YELLS at me. Doesn't listen to what I am saying. The t-mobile app (worthless) shows not the boys' original phones, or even what they have now, but something different entirely. And somehow all of this is my fault. This is ridiculous. They tell me I have been with them for over 12 years. I think it is time to take the free phones from Verizon and move on. Cannot get anyone to actually listen and offer assistance. The chat is ridiculous. It takes forever for anyone to answer and they must be watching tv or answering fifteen different people given the time it takes for follow-up answers. Fine, you've outsourced your customer service to India, but have at least one person in the states that I can talk to…