Consider a two-decrement model where active policyholders can leave the active state due to either death or sickness. At a given age x, the independent probability of death is qff = 0.5. whereas the independent probability of sickness is qi = 0.6. Under the assumption of independence of decrements, which of the following is the correct value of the dependent probability of remaining in the active state, i.e. (ap)x? o a. (1 0.5) + (1 0.6) = 0.9. 0.5 N O b. 0_5+0_4 x (1 exp((0.5 + 0.4))) N 0.33. o c. 0.5 x 0.4 = 0.2. 0 d. 0.5 X 0.6 = 0.3. Check