2. Calculate the expectation and standard deviation of the random variables below:

(a) is the present value of endowment assurance with term of 5 years for a sum assured of 1 for a policyholder aged 45 years. Benefits are payable end of year.(Just the first step of equation)

(b) is the present value of temporary annuity due to a life aged 45 years exact, payable for a period of 5 years. Annual annuity amount is 1 is paid in advance.(just the first step of equation)