T-mobile TMobile Rep gave inaccurate UNTRUE misleading info regarding handset insurance coverage said NO DEDUCTABLE but there was a $130 deductable! Supervisors failed to rectify, Internet

Sorry you weren't explained how insurance works.  You might want to call your car insurance company ASAP and find out if you have a deductible with them, because you're probably going to have to pay one if you ever make a claim. 

The rep who sold you the phone and plan, if they did it over the phone, MIGHT have gotten a commission of MAYBE a dollar or two at most.  Insurance isn't something we sell because we want to deceive you into padding our paychecks, we offer and sell it to help YOU in the event of something happening to your phone that causes it to malfunction. 

Over the course of the last year, you've paid approximately $75 in premiums. (5.99 a month for 12 months) That's if you have the "bundle" insurance with the lifetime warranty.  So, all in all, with the cost of the deductible, you will have paid $205 for your new phone.  I'm going to venture to guess you have a smart phone (those are the only ones with that deductible) that retails for anything between $299 and $499.  Hmm.  Okay.  Let's think about this...

Even if you DO pay the deductible, you're STILL coming out ahead money wise.  It sounds like your sales rep did you a favor by selling you the insurance.  I mean..unless you'd rather pay full price (remember, probably close to THREE HUNDRED DOLLARS) or extend a contract to get the new phone.  That's your call I guess...

Either way, I advise you take the insurance off (because you apparently have enough money to throw away in replacing your cell phone) and cut your losses.  With the $50 bill credit, you've only really been "duped" out of about $25.  If it's that big of a deal to you, go to your nearest T-Mobile store and let them know you want a $25 credit to your bill because you would rather pay full price to replace your expensive phone instead of the lower deductible. 

Oh! And just incase you ever decide to add insurance to a cell phone again- you can read the terms and conditions of your cell phone insurance plan in the little welcome packet Asurion (the insurance company) sends out when you enroll.  Or not.  Your choice. :)