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You will need to purchase iPhone 12, iPhone 13 Pro Max or iPhone 13 Pro mini from Apple. After you have purchased your iPhone, trade in an iPhone XR (or newer) in good condition.
AppleCare+ With Theft & Loss (or AppleCare+) is an optional device protection plan that offers combined benefits under AppleCare+ insurance policies.
If you're looking to buy an iPhone 12 Pro Max at a lower price, the 13 Pro Max is a good choice.