The objective of this study was to know the problems that the customer wants to cancel or surrender the policy before the expiration of the contract, life insurance products (BAAC PERMRAK). With data from 400 questionnaires and interviews the 3 branches chief financial and the results of the sample was female by 54.25 percent between ages of 41-50 years old by 40.50 percent with marital status 80.50 percent have lower high school education level 35.75 percent had a career as a farmer 73.25 percent of the average annual income was 100,001-200,000 baht 44.75 percent, the reasons for the cancellation and surrender the policy before maturity from the need to cut costs in most households 68 percent. Student chose a troubleshooting guide provide employees with a role like financial advisor by advises clients before saving and the deposit rate cut to a minimum of 100 baht per month together. This will allow employees to offer the product in the rate of monthly customer deposits can be deposited in the longer term to maturity of the contract. That allows banks were operated in accordance with the stated goals and operating performance improved steadily.