13200
Insureres selling these policies market them directly to the public or otherwise do n't use commissioned salesmen ; there is still a load -- annual administrative fees and initial `` setup '' charges -- but I figure that the lack of commission and of `` surrender fees '' for dropping the policy early still saves me a lot .
 annual
Please list all entity words in the text that fit the category. Output format is "word1, word2". 
Option: date, organization, person, geographical social political, national religious political, facility, cardinal, location, work of art, law, event, product, ordinal, percent, time, quantity, money, language 
Text: {0} 
Answer:
 annual