Congrats on your wife's iPhone 5! We do have several insurance options available for her phone. We have the Extended Warranty for $1.99 a month, Wireless Phone Protection for $8.18 and Total Equipment Coverage for $9.99. Here is the info for the insurance. http://phoneclaim.com/verizon/deductible Also, I am not sure why you are paying so much for your insurance. The prices have not changed for the iPhone. I do apologize for the email option not being available anymore. We have moved to the chat option to provide customers with instant solutions. You can also reach out on our Facebook page at Verizon Wireless or on Twitter @ VZWSupport. I hope this info helps out.
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