I have been a Insurance agent for twenty years I sold Life and health. I never felt like I cheated I customer. I was paid well and the sales I made benefited the customer. With sears the morning was all about selling the production agreement and sticking customer with huge interest rate credit card that's what our morning meetings consist of. They were not worried about selling appliances. There is a quota of 7.5% of sale are to be protection agreements. Which they are a unnecessary service call know very few people have time for that it is hard enough to be there for a repair problem when something is broke much less be there for someone to come out when nothing is wrong. The price is $480.00 On a $1500.00 Frig. and you are doubled covered on the first year. i know all about insurance from Medicare supplements to Burial. And I never felt like I was screwing a customer like selling a protection agreement BOUGHT$20, 000.00. I Would not buy a protection agreement.I have homeowners insurance and flood insurance auto and life, health. buy what will rune you not worthless runny nose benefits. Also Sears has nothing in the store worth paying 25% interest. Thank you James Miller