Why is Total Mobile Protection required with iPhone 6 preorder?  How to remove it?

The iPhone 6 preorder process wouldn't allow me to proceed without adding Total Mobile Protection for $10 a month.  How do I remove this from the preorder?

I'm sorry, it is not required, you simply did not choose the correct radio button.
Unfortunately, if you make any changes to your order it will likely be placed at the back of the line and you may not get your order in time to show all your friends how up to date you are on "release day". Simply leave your order as is and cancel the insurance after you receive the phone.

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