Upgrading your phone saves you money? Verizon?

I recently got into an argument with my s/o about upgrading her phone. She claims that the people working at Verizon told her that upgrading to the iPhone 7 would be cheaper than keeping her iPhone 6. She claims they said that once she finished paying off her iPhone 6 the monthly service fee on her phone would rise over the monthly payment she makes on her phone.

So for example (Numbers are not actual representation.)

She pays $100 a month. $25 is the month service for her phone. $25 is the payment for her phone. $50 is payment for data minutes and texting.

Verizon told her that when she is finished paying off her phone (iPhone 6) The monthly service ($25) would increase to over $50. Meaning that by paying off her phone she would increase her monthly charges to over $100.

Can anyone make sense of this?

She needs to get this in writing, who ever is telling her this is attempting to rip her off.

By service charge do you mean insurance? If so, she'd be better off getting independent insurance. But you have to understand that the average life expectancy of Apple mobile products is under three years, and so any insurance that covers replacement has to reflect this.

All the same the entire plan sounds expensive (though I'm in the UK so prices are substantially lower for higher levels of service).

I think she needs to look at what it charges for a non contract service and see if it's really more than $50 a month.

There's just no way that it would double. The online idiots are paid based on how many people they can get to sign up for a 2 year contract.

By buying a new phone, she's stuck in a 2 year contract. If she finds a better deal, guess what. She can't sign up with another company.