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It's hard to say what you'll get for a replacement. Usually there are enough discontinued phones in stock that are sent for replacements. No, your unlimited plan won't change with a replacement, but you will lose it if you upgrade with subsidized pricing. You shouldn't lose it if you activate a phone you buy off contract.
I understand the concern with cost and plan changes. The only way to find out which phone will be offered in exchange for your Droid 2 will be to contact Asurion and find out. If you're not satisfied with their replacement, you don't need to finalize the claim and you can use your upgrade instead. They can be contacted at 888-881-2622 or phoneclaim.com/verizon. You're not penalized in not finalizing the claim and there replacement allows you to keep your unlimited.
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