Name the most annoying monthly bill

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NOTE: Please find the answers below. The first answer has the most points and the last one has the fewest points.
Name the most annoying monthly bill
PHONE
MOBILE
TELEPHONE
CELL PHONE
POWER
HYDRO
ELECTRICITY
CURRENT
TELEVISION
CABLE
SATELLITE
TV
ROOM
RENT
MORTGAGE
APARTMENT
LANDLORD
VISA
PLASTIC
MASTERCARD
CARD
CREDIT CARD
AMERICAN EXPRESS
HOME INSURANCE
HEALTH INSURANCE
INSURANCE
COVERAGE
CAR INSURANCE
ASSURANCE
LIFE INSURANCE

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