Answer:
The answer is "0.765 and 0.2353".
Step-by-step explanation:
Please find the complete question in the attached file.
In point a:
P(a substantive term only)
P(major health insurance only) 
P(both)
P(renewal) =P(insurance and renewal term only)+P (substantial and renewable health insurance only)+P (both and renew)

In point b:
In reality, the probability of having both life and major medical insurance provided the policyholder would renew next year


since the original price was ninety we have to multiply 5/6 by 90
90/1(5/6)
=450/6
=75
<em>(2a - 3x - 3y)(2a + 3x + 3y)</em>
- Step-by-step explanation:
<em>Hi there !</em>
use formula
<em>a</em><em>² - </em><em>b</em><em>² = (a - b)(a + b)</em>
<em>a</em><em> = 2a</em>
<em>b</em><em> = 3(x + y)</em>
<em />
<em>4a² - 9(x+y)² =</em>
<em>= [2a - 3(x + y)][2a + 3(x + y)]</em>
<em>= (2a - 3x - 3y)(2a + 3x + 3y)</em>
<em />
<em>Good luck !</em>