What the hell am I say.... Forgot this is about the 5 LOL. Yes, for the 5, it's already unlocked, and Verizon has no plans of locking them as of yet. YET. Half of the Verizon reps you see at the store won't know this since they're just focused and trained on how to set up the phone itself. Unlocking a device will need a more experienced rep or even the store manager/senior rep to do.
To test whether or not the iPhone is unlocked, just pop open the SIM tray on the right side of the iPhone, remove the Verizon LTE nano SIM, and replace it with a nano SIM from another company. If you know someone or if you're currently on an AT&T iPhone 5 or a phone that uses a nano SIM, you can just slip it out of the other phone and put it into the Verizon one you just bought and see if you can make calls, surf the web and text as a brief test.