My Iphone 4s settings app isn't working?

My Iphone 4s settings app isn't working like It's under something that say "insurance" and whenever i click it, it turns off and now I can't go to my settings what do I do to get it working again?

Look it up in the Apple Forums, and if you can't find anything there, then phone up Apple, I'm sure they'll be happy to help. ^^

If you can't get it working, and if you ARE OK WITH RESETING IT and loosing your apps and stuff, then:
1.go onto iTunes and plug in your iPhone to iTunes, and then click on your iPhone.
2.find the restore button in iTunes and click it. (you should see the restore button when you click on your iPhone)
3.follow all the steps and wait until its done