Worksheet_Change macro not responding to cell deletion

I have a code (thanks royUK and Leath!) where, if column E is "Annuity", you can type a value in column J and it runs a formula to calculate a value for column K. If E is not "Annuity" it clears the contents of J (which should clear K). What's not working is when column J gets cleared or manually deleted, column K must be blank. The worksheet_change event is not working for deletion of column J.

It also isn't reprotecting the sheet after I delete a value in column J. I've tried pasting the .Protect argument in a bunch of different places and can't get it to work. I need it to reprotect no matter what is typed in or deleted. Here's the code, and I've attached the workbook as well. Thanks!

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