Different product manufacturer/developer have their own policy.
For Principal (Hex Rays/manufacturer/developer) is now only willing to accept one go for 3 years the most, since the long run cost usually will be goes up.
So, if you intent to load 5 or 4 years up front Principal also cannot accept.
The only way to do 4 year is to do in 3 year first. Then at early, middle or end of the year + 1.