When looking at Verizon account, I found the message "your upgrade date is aligned with term of your contact", what does that mean? I want to upgrade from an Iphone 4 to 6

I need help with upgrade questions.

My account use to say the same thing.  VZW used to let us upgrade every 20 months rather than 24.  This ended some time ago...so now instead of being eligible to upgrade in month 20, your upgrade date has been aligned with your 24 month contract end date.  Hope this info help. 
I wouldn't have been able to upgrade from my iP5 to the 6+ according to the new upgrade policy until 11/20/14.  But right before iP6+ pre-order date, VZW was allowing certain customers to upgrade earlier than their contract end date as long as they moved to EDGE rather than the 2 year contract.  I was going to utilize EDGE anyway so it was a bonus for me as I was able to pre-order and get my iP6+ a lot sooner than having to wait until 11/20 just to order.

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