An insurance company decides to insure a person offering the following benefits: it will pay a sum insured to the beneficiary of 2000,000 at the end of the year if the insured dies a natural death and 1000,000 if his death is accidental, for each of the cases the probabilities of natural and accidental death are 0.65 and 0.35 respectively. The premium paid at the beginning of each year is 75,000 and the probabilities of death in the next 3 years are 0.2, 0.3, and 05.

Determine: (a) The probability of ruin regardless of the type of death. b) The probability of ruin due to natural death. c) The probability of ruin due to accidental death.