On the Windows Phone 7 there is a risk that tombstoning can occur during the restore. For this case, it is suggested you write a value to isolated storage or to application settings to indicate the restore is complete. If the setting does not exist, you always assume the database must be restored. Only when the complete restore succeeds will you set the flag to indicate the application is ready.
Database Upgrades
Database upgrades is a story that admittedly requires some work for Sterling. Currently, the special database suggested path is to version your classes using namespaces. Unfortunately, this violates the notion that you don't have to change your classes to persist them, but it is an interim requirement until a full upgrade path is implemented.
Handling Nullable Indexes and Keys
Keys should always be non-null. While indexes also require non-null values, you can use fields and properties that allow null values by supplying a default to represent the null value. For example, if you allow null strings, an attempt to provide an index on that field or property will result in errors.
Also, can you explain to others what criteria were used to determine that death benefit amount?
Perhaps it would be a good idea to review your life insurance. What if I told you that reviewing your insurance and signing up for a different policy that is truly appropriate for you now could make your monthly living easier?
If you think you're fine, this isn't a personnel issue. In fact, many people don't realize that they're actually losing out on this insurance, even if they think they're fine.