added insuranceSum calculation missing breed, age factors and yearly premium

src/main/java/com/pfefferminzia/petinsurance/tariffs/Tariff.java

@@ -0,0 +1,17 @@
+package com.pfefferminzia.petinsurance.tariffs;
+
+import java.math.BigDecimal;
+
+public enum Tariff {
+    KOMPAKT(BigDecimal.ONE), OPTIMAL(BigDecimal.valueOf(1.2)), PREMIUM(BigDecimal.valueOf(1.4));
+
+    private final BigDecimal rate;
+
+    private Tariff(BigDecimal rate) {
+        this.rate = rate;
+    }
+
+    public BigDecimal getRate() {
+        return rate;
+    }
+}