Replacement phone

If you have a broken phone (I will call phone A) and you filed a claim to get a replacement phone (I will call phone B), then phone A would need to be sent back to the insurance, or you will be charged a non-return fee. If you pay that fee, then the phone would be considered yours and paid off and you could unlock it. Phone B would be attached to any payment plan you had for the original phone and would be eligible for unlock once paid off. 

If you just bought a new phone to use instead of phone A, then both would be yours as soon as each payment plan is done. They should be eligible for unlock as soon as any payment plan is completed. 

Your situation may be different from either of these. If you did something else, it would be useful if you could share a little more information so we could give you a better answer.