An insurance company sells a policy that provides a monthly benefit of $2,500 to a policyholder who becomes disabled. The policy has a waiting period of 90 days, after which the policyholder starts receiving the monthly benefit until the policy term ends in 5 years. The annual premium for the policy is $3,600, payable at the beginning of each year. If the probability of a policyholder becoming disabled is 0.05, what is the expected value of the policy for the insurance company?