Do you really need insurance with the combination of a tough armored case, tempered glass screen protector and waterproof phone? When I upgraded to the S10, it made sense to buy it again because of my constant work in construction and carpentry. I've already dropped my phone 3 times, about 4 feet, and never worried. In the past I've only had satisfaction from these sturdy cases. I had a Galaxy 7 with an Otter Box case for 1.5 years and then switched to a Tough Armor Spigen case which I used for another 2 years. I've always used tempered glass too. Also, I've successfully installed Whitestone Dome Tempered Glass and I'm happy to say that this tough armored case is compatible! Update: I drop my phone at least once a week with no worries. This case is wonderful. Though I should have said this a long time ago, but the Whitestone Dome's tempered glass was rubbish. They replaced my tempered glass 3 times for an additional $10 each. 5 months if I remember correctly. The screen protector was $70 total, and I skipped glass because of those curved screens. I have since switched to a Skinomi screen protector and have had much better results. All in all, this case really protected my phone.
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