I emailed Tim Cook about the release cycle of iPhone X and how: A) IUP members will be paying two more installments once you've actually purchased an iPhone X (assuming you get one on launch) AND B) IUP members will be paying two more additional installments if the next iPhone is released in September of 2018 A + B = roughly $200 in additional payments. I spoke with an executive representative and the feedback was: A) You can pay off your phone in its entirety if you'd like. You will have to sign up as a new member of the IUP if you do that. You can sell/keep your old phone after that. B) Apple made no guarantee that you get a new iPhone every 12 months - Apple advertised you can get a new iPhone every _year_. So their solution was - nothing. Once again, as an IUP member, you get screwed. Pretty much done with this as a day 1 IUP member. I'd encourage you to email him and express your concerns around this, if you have any.