diff --git a/.idea/misc.xml b/.idea/misc.xml
index 0792e77..537356d 100644
--- a/.idea/misc.xml
+++ b/.idea/misc.xml
@@ -1,6 +1,6 @@
 <?xml version="1.0" encoding="UTF-8"?>
 <project version="4">
-  <component name="ProjectRootManager" version="2" languageLevel="JDK_13" default="true" project-jdk-name="13.0.1" project-jdk-type="JavaSDK">
+  <component name="ProjectRootManager" version="2" languageLevel="JDK_16" project-jdk-name="13.0.1" project-jdk-type="JavaSDK">
     <output url="file://$PROJECT_DIR$/out" />
   </component>
 </project>
\ No newline at end of file
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..1dd1d3b 100644
--- a/src/InsuranceCalculator.java
+++ b/src/InsuranceCalculator.java
@@ -1,5 +1,7 @@
 public class InsuranceCalculator {
 
+    private InsuranceStrategy strategy;
+
     public double calculateInsurance(double income) {
         if (income <= 10000) {
             return income*0.365;
@@ -8,7 +10,8 @@ public double calculateInsurance(double income) {
         } else if (income <= 60000) {
             return (income-30000)*0.1+76500;
         } else {
-            return (income-60000)*0.02+105600;
+            strategy = new InsuranceStrategyVeryHigh();
+            return InsuranceStrategy.calculateInsuranceVeryHigh(income);
         }
     }
 
diff --git a/src/InsuranceStrategy.java b/src/InsuranceStrategy.java
new file mode 100644
index 0000000..621cc38
--- /dev/null
+++ b/src/InsuranceStrategy.java
@@ -0,0 +1,17 @@
+public abstract class InsuranceStrategy {
+    public static double calculateInsuranceVeryHigh(double income) {
+        return (income - InsuranceStrategy.getAdjustment()) * InsuranceStrategy.getWeight() + InsuranceStrategy.getConstant();
+    }
+
+    public static int getConstant() {
+        return 105600;
+    }
+
+    public static double getWeight() {
+        return 0.02;
+    }
+
+    public static int getAdjustment() {
+        return 60000;
+    }
+}
diff --git a/src/InsuranceStrategyHigh.java b/src/InsuranceStrategyHigh.java
new file mode 100644
index 0000000..404f980
--- /dev/null
+++ b/src/InsuranceStrategyHigh.java
@@ -0,0 +1,2 @@
+public class InsuranceStrategyHigh extends InsuranceStrategy {
+}
diff --git a/src/InsuranceStrategyLow.java b/src/InsuranceStrategyLow.java
new file mode 100644
index 0000000..973bb9a
--- /dev/null
+++ b/src/InsuranceStrategyLow.java
@@ -0,0 +1,2 @@
+public class InsuranceStrategyLow extends InsuranceStrategy {
+}
diff --git a/src/InsuranceStrategyMedium.java b/src/InsuranceStrategyMedium.java
new file mode 100644
index 0000000..e4c2f05
--- /dev/null
+++ b/src/InsuranceStrategyMedium.java
@@ -0,0 +1,2 @@
+public class InsuranceStrategyMedium extends InsuranceStrategy {
+}
diff --git a/src/InsuranceStrategyVeryHigh.java b/src/InsuranceStrategyVeryHigh.java
new file mode 100644
index 0000000..591707e
--- /dev/null
+++ b/src/InsuranceStrategyVeryHigh.java
@@ -0,0 +1,7 @@
+public class InsuranceStrategyVeryHigh extends InsuranceStrategy {
+
+    public InsuranceStrategyVeryHigh() {
+
+    }
+
+}
\ No newline at end of file
diff --git a/test/EMPTY b/test/EMPTY
deleted file mode 100644
index e69de29..0000000
diff --git a/test/InsuranceCalculatorTest.java b/test/InsuranceCalculatorTest.java
new file mode 100644
index 0000000..9a0b197
--- /dev/null
+++ b/test/InsuranceCalculatorTest.java
@@ -0,0 +1,29 @@
+import org.junit.Test;
+
+import static org.junit.Assert.*;
+
+public 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);
+    }
+}