There is a quick answer to this - there is no confidentiality with cell phones, any more than there is confidentiality with email. Both are scarily simple to break in to. I know this, and I always assume that there really are no-one who has an interest in listening in to my conversations. What would they be looking for?

How many conversations, and hours of conversations would they have to break in to, to hear something interesting?

However, it is simple to do, so there is a risk. I have no clue how insurance companies would view the risk as far as having private conversations with clients. I know that confidential medical information cannot be sent over the email grid without being encrypted with 256 bit encryption.

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