The “AGI TMO” charge on your bank statement is a monthly premium for a T-Mobile device protection plan, billed by Assurant, the insurer that underwrites T-Mobile’s phone coverage. It typically runs $7 to $26 per month per device, plus tax, depending on the device and coverage tier. If you don’t remember signing up, you can check your enrollment inside your T-Mobile account and cancel online at any time.
What AGI TMO Stands For
The descriptor is two pieces stuck together. “AGI” points to Assurant, a global insurance company that partners with wireless carriers to provide device protection. Assurant describes itself as working “behind the scenes managing insurance, warranties, and support for top companies, protecting everything from phones to homes,” and says it partners “with the world’s top telecom providers to protect the devices they sell.”1Assurant. Assurant Global Protection Services “TMO” is T-Mobile.
The charge posts under Assurant’s name rather than T-Mobile’s because Assurant is the actual insurer collecting the premium. T-Mobile handles the enrollment; Assurant handles the money. That is why the line item looks unfamiliar even to customers who recognize every other T-Mobile charge they pay.
Why It Shows Up Separately From Your T-Mobile Bill
Most people are enrolled in device protection when they activate a new phone or upgrade. It can happen quickly at checkout and is easy to miss alongside activation fees and plan details. The monthly premium ranges from $7 to $26 plus tax per device.2T-Mobile. Cell Phone Insurance and Protection Plan: P360
The premium appears on your bank or card statement as its own line, rather than folded into your regular T-Mobile bill, when you gave a specific payment method for the protection plan at enrollment. Two things follow from that. The insurance keeps billing even if your main T-Mobile account has a billing issue, and you may not spot it if you only skim your T-Mobile bill and don’t scan your bank statement.
How to Confirm You’re Actually Enrolled
Before you cancel or dispute anything, check whether a protection plan is attached to your line. There are two ways to look:
- In the T-Life app, log in, tap the Manage tab, and select the device. Enrollment status appears under Device Security.
- On T-Mobile.com, log into your account, open “Manage add-ons,” and look for Protection 360 or Basic Protection in the Services section.
If active protection shows on your line, the charge is legitimate even if you don’t remember agreeing to it.3T-Mobile Support. Protection 360 and Device Protection If no plan appears but the charge keeps hitting your account, you have a stronger basis for a formal dispute.
How to Cancel
Cancellation runs through T-Mobile, not Assurant. You can drop device protection from your T-Mobile account online at any time.3T-Mobile Support. Protection 360 and Device Protection A few things to know before you do:
- Coverage ends immediately. If your phone is later lost, stolen, or damaged, you pay the full cost of repair or replacement.
- On Apple devices, AppleCare Services cannot be re-added to that device once P360 is canceled.
- Every bundled benefit ends with the plan, including McAfee Security and JUMP! Upgrades.
After you cancel, watch your bank statement for the next two billing cycles. T-Mobile notes that any adjustment appears on the next billing statement.4T-Mobile Support. Adjustments and Refunds If the charge continues, save a screenshot of your cancellation confirmation and contact T-Mobile support.
Calling Assurant to cancel won’t work. The Assurant number and the mytmoclaim.com portal exist for filing and managing claims, not for ending your plan.5T-Mobile Support. File a Device Protection Claim
What to Do If You Never Signed Up
If no protection plan appears on your T-Mobile account and you never agreed to one, the charge may qualify as cramming. The FCC defines cramming as placing unauthorized, misleading, or deceptive charges on a telephone bill.6Federal Communications Commission. Cramming FCC rules require wireless carriers to describe every charge clearly and to place third-party charges in a separate, clearly labeled section of the bill.7Federal Communications Commission. Truth-In-Billing Policy You can file a cramming complaint through the FCC’s online complaint portal.
Your dispute rights depend on which card was charged. For a debit card, the Electronic Fund Transfer Act gives you 60 days after your financial institution sends the statement showing the unauthorized transaction to report the error. Your bank must investigate once you give timely notice.8Consumer Financial Protection Bureau. Electronic Fund Transfers FAQs For a credit card, the Fair Credit Billing Act gives you similar dispute rights through your card issuer.
Work both sides at once. Cancel through T-Mobile to stop future charges, and dispute with your bank or card issuer to recover past ones. Keep the paper trail: your T-Mobile account screens showing no enrollment, your cancellation confirmation, and the bank statements showing the charges. That evidence makes the dispute straightforward whether you’re dealing with T-Mobile, your bank, or the FCC.