I just ran into a hurdle with this. I had a picture of an unknown larva, so I put the ID as Winged and Once Winged Insect. But the annotation options shown were only Adult and Egg. That is because some insects hatch as nymphs rather than larva, so at a high level ID, you do not get either interim phase option to annotate. I am not sure I agree with the logic, but there it is.
(FWIW, here is the discussion: https://forum.inaturalist.org/t/annotations-limited-on-a-specific-observation-but-not-others/22403/9)