Ya know?  That may be the trick.  Every time I've done this, I've always ordered the phone online and activated it at home.  It hadn't even occurred to me that I might not be able to do this if I bought the phone in store. Hmmmm.   Well, the plan for today was to purchase dd's iPhone at Sam's Club.  I'll have to ask about this.  If it's a problem, I'll order from verizon.  I think it's only $3 difference in price.   I'll report back!!