Answer:
b.life insurance
Step-by-step explanation:
A life insurance is a policy in which the insurer makes an agreement to pay a specific amount of money if the person insured dies and the policy holder have to pay a premium that tend to be annual. According to this, the annual expense is the life insurance.
The other options clothing, entertainment and transportation are expenses that people have several times a year. For example, transportation can be an everyday expense and clothing can be a monthly expense.