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 tax as well. At tyhe same time , customer would receive 20% of first year premium if buying an insurance at the event.