Yes Guangzhou Conghua Lutian endowment insurance can go through the formalities and add the highest grade. You can change the grade at any time. When you reach retirement age, you can apply for retirement after paying 15 years. The higher the file you pay, the more your pension will be, so that you can save all your money while you are still young, make money, earn more, and not suffer losses. When you are old, you can even get it back with interest.