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The trick to being able to keep the ring (why would you want it??) is that it had a dual purpose - an engagement ring given on a birthday can be treated as a gift - as can one given on Christmas. You also should NOT EVER let the man put an insurance policy on the ring - you do it yourself as owner. I've been told of, but never read, case law where the engagement was set, wedding plans were moving forward and the engagement ring was given later. When the engagement was cancelled, the woman was able to keep the ring because the ring itself was not the inducement for the marriage as it was already underway.
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