Concept:When two events are independent, the probability of both happening is the product of their individual probabilities.
Explanation:The probability that the man lives after 20 years is
P(M)=41​.
The probability that his wife lives after 20 years is
P(W)=31​.
So the probability that the man does not live after 20 years is
P(Mˉ)=1−P(M)=1−41​=43​.The probability that the wife does not live after 20 years is
P(Wˉ)=1−P(W)=1−31​=32​.Assuming the lifetimes of the man and his wife are independent, the probability that neither lives after 20 years is
P(Mˉ∩Wˉ)=P(Mˉ)×P(Wˉ)=43​×32​=21​.Answer:The probability is
21​, which corresponds to option D.