The payment method is flexible and there are conversion methods. Guotai Minan's 30-day rolling commercial pension payment period is flexible, with options for single payment, regular top-up and irregular top-up. When taking out insurance, the policy holder is required to pay the entire premium in one lump sum, but can apply for regular or irregular top-ups at the end of the term. Moreover, during the insurance period, customers are eligible to apply for product conversion, transfer part of the product units they hold or transfer them all at once, and they should meet the insurance company's commercial pension business regulations.