“Do I need to do a contract to set up phone with Verizon or what carrier.”
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No contract is involved. You simply call Great Call, the carrier for the jitterbug lively phones, and the company will activate your new phone with the plan you choose. If you have a phone from another company, they can Port your number over before that service is canceled. You can cancel at any time with lively, and there is no termination fee.
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