So I'm one of those people who bought an iPhone 6 two years ago on contract ($400 for the 64gb 6+) and I'm still happy with my phone and didn't care to upgrade until I read about the differences between contracts and installment plans. So I'm on a family plan on Verizon and my line is roughly $40 for "smart line access". The 7 is listed about $41/month for the 128gb. Does this essentially mean I won't pay anything up front if I order the 7 and instead of paying the $40 line access I'll just pay the $41 for my line for the new phone? Is that how it works?