I am ready to sue! They must get commissions from the appraisals they try to make you sign up for with their "independent appraiser". I asked twice about what I needed to do for insurance purposes after my fiance purchased my ring. Both times they told me about their "independent appraiser" who you have to pay the 125 PER PIECE and "who did you sign up under...?". I finally call back because after shopping around with other jewelers I had been told that where my ring was bought should offer an insurance appraisal for free. After calling Jared and talking to two people about why they don't offer this to their customers, they tell me "well, we do acutally have something you can take to your insurance compnay that doesn't cost anything!" I almost paid over 200 dollars, after my fiance just purchased my wedding and engagement rings and they wouldn't even tell me that was an option! The customer service number was no help, they just dismissed it and said it was probably a misunderstanding...and they would talk to the store...yeah right! My fiance also purchased this extended warranty policy, from what I read it doesn't sound like it's worth much of anything! We need to sue them, they think they can get away with this!!!