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The store reps were wrong. You can use your daughter's upgrade to get a phone at the subsidized price and renew the contract on her line. Then you can activate the phone on your line without any plan changes. You will need to make sure they aren't trying to switch you to the Share Everything plan when getting the phone on your daughter's line.
I'm most definitely NOT a VZW employee. If a post answered your question, please mark it as the answer.
