No he hasn't but rather talked around it saying if you decline it its on you. Why would you decline it if its already there to be included. Makes no sense. I know a lot of posters here use him and stand by him but are paying for something you should not have to. Glad this was brought up and discussed to get this practice out in the open. A simple yes or no answer would be great as to the island laws regarding this from a company in the know.