Variance of scaled insurance payment

Let $X$ be a random variable denoting the amount of loss in a business. The moment generating function of $X$ is $$M(t)=\left(\frac{2}{2-t}\right)^2,\quad t < 2.$$ If an insurance policy pays $60\%$ of the loss, then the variance of the amount paid by the insurance policy equals __________ (round off to $2$ decimal places)