diff --git a/RefactoringAssignment.iml b/RefactoringAssignment.iml
index 7e880ab..454125c 100644
--- a/RefactoringAssignment.iml
+++ b/RefactoringAssignment.iml
@@ -24,5 +24,15 @@
         <SOURCES />
       </library>
     </orderEntry>
+    <orderEntry type="module-library" scope="TEST">
+      <library name="JUnit4">
+        <CLASSES>
+          <root url="jar://$MAVEN_REPOSITORY$/junit/junit/4.13.1/junit-4.13.1.jar!/" />
+          <root url="jar://$MAVEN_REPOSITORY$/org/hamcrest/hamcrest-core/1.3/hamcrest-core-1.3.jar!/" />
+        </CLASSES>
+        <JAVADOC />
+        <SOURCES />
+      </library>
+    </orderEntry>
   </component>
 </module>
\ No newline at end of file
diff --git a/src/InsuranceCalculator.java b/src/InsuranceCalculator.java
index 558e0a0..db2ddd1 100644
--- a/src/InsuranceCalculator.java
+++ b/src/InsuranceCalculator.java
@@ -1,15 +1,21 @@
 public class InsuranceCalculator {
 
+    private InsuranceStrategy strategy;
+
     public double calculateInsurance(double income) {
         if (income <= 10000) {
-            return income*0.365;
+            strategy = new InsuranceStrategyLow();
+            return strategy.calculateInsurance(income);
         } else if (income <= 30000) {
-            return (income-10000)*0.2+35600;
+            strategy = new InsuranceStrategyMedium();
+            return strategy.calculateInsurance(income);
         } else if (income <= 60000) {
-            return (income-30000)*0.1+76500;
+            strategy = new InsuranceStrategyHigh();
+            return strategy.calculateInsurance(income);
         } else {
-            return (income-60000)*0.02+105600;
+            strategy = new InsuranceStrategyVeryHigh();
+            return strategy.calculateInsurance(income);
         }
     }
 
-}
+}
\ No newline at end of file
diff --git a/src/InsuranceStrategy.java b/src/InsuranceStrategy.java
new file mode 100644
index 0000000..58fce1b
--- /dev/null
+++ b/src/InsuranceStrategy.java
@@ -0,0 +1,11 @@
+public abstract class InsuranceStrategy {
+    public double calculateInsurance(double income) {
+        return (income - getAdjustment()) * getWeight() + getConstant();
+    }
+
+    public abstract int getConstant();
+
+    public abstract double getWeight();
+
+    public abstract int getAdjustment();
+}
\ No newline at end of file
diff --git a/src/InsuranceStrategyHigh.java b/src/InsuranceStrategyHigh.java
new file mode 100644
index 0000000..7a27397
--- /dev/null
+++ b/src/InsuranceStrategyHigh.java
@@ -0,0 +1,16 @@
+public class InsuranceStrategyHigh extends InsuranceStrategy {
+    @Override
+    public int getConstant() {
+        return 76500;
+    }
+
+    @Override
+    public double getWeight() {
+        return 0.1;
+    }
+
+    @Override
+    public int getAdjustment() {
+        return 30000;
+    }
+}
\ No newline at end of file
diff --git a/src/InsuranceStrategyLow.java b/src/InsuranceStrategyLow.java
new file mode 100644
index 0000000..34e6299
--- /dev/null
+++ b/src/InsuranceStrategyLow.java
@@ -0,0 +1,16 @@
+public class InsuranceStrategyLow extends InsuranceStrategy {
+    @Override
+    public int getConstant() {
+        return 0;
+    }
+
+    @Override
+    public double getWeight() {
+        return 0.365;
+    }
+
+    @Override
+    public int getAdjustment() {
+        return 0;
+    }
+}
\ No newline at end of file
diff --git a/src/InsuranceStrategyMedium.java b/src/InsuranceStrategyMedium.java
new file mode 100644
index 0000000..9922aab
--- /dev/null
+++ b/src/InsuranceStrategyMedium.java
@@ -0,0 +1,16 @@
+public class InsuranceStrategyMedium extends InsuranceStrategy {
+    @Override
+    public int getConstant() {
+        return 35600;
+    }
+
+    @Override
+    public double getWeight() {
+        return 0.2;
+    }
+
+    @Override
+    public int getAdjustment() {
+        return 10000;
+    }
+}
\ No newline at end of file
diff --git a/src/InsuranceStrategyVeryHigh.java b/src/InsuranceStrategyVeryHigh.java
new file mode 100644
index 0000000..2ceddb3
--- /dev/null
+++ b/src/InsuranceStrategyVeryHigh.java
@@ -0,0 +1,15 @@
+public class InsuranceStrategyVeryHigh extends InsuranceStrategy {
+    public int getConstant() {
+        return 105600;
+    }
+
+    @Override
+    public double getWeight() {
+        return 0.02;
+    }
+
+    @Override
+    public int getAdjustment() {
+        return 60000;
+    }
+}
\ No newline at end of file
diff --git a/test/InsuranceCalculatorTest.java b/test/InsuranceCalculatorTest.java
new file mode 100644
index 0000000..5b3cc5a
--- /dev/null
+++ b/test/InsuranceCalculatorTest.java
@@ -0,0 +1,29 @@
+import org.junit.jupiter.api.Test;
+
+import static org.junit.jupiter.api.Assertions.*;
+
+class InsuranceCalculatorTest {
+    @Test
+    public void low() {
+        assertEquals(1825, insuranceFor(5000), 0.01);
+    }
+
+    @Test
+    public void medium() {
+        assertEquals(38600, insuranceFor(25000), 0.01);
+    }
+
+    @Test
+    public void high() {
+        assertEquals(78500, insuranceFor(50000), 0.01);
+    }
+
+    @Test
+    public void veryHigh() {
+        assertEquals(106400, insuranceFor(100_000), 0.01);
+    }
+
+    private double insuranceFor(double income) {
+        return new InsuranceCalculator().calculateInsurance(income);
+    }
+}
\ No newline at end of file