The Insurance product, SUBTAWEE 400, Insurance savings plan together with life insurance. Premium payments 20 years for 20-years protection, during the contract will get refund for 30% of the sum insured at every four years of policy and at maturity will get 290% of the sum assured plus the dividend. The premiums can be used to reduce the income as well. Additional, customer will receive 20% discount of first year premium for tax cuts at the same time, customers would receive 20% of first year premium if buying an insurance in the event.