Net Future Random Loss Variable

[fireranger]

Hi

I am really stuck on the following question. Can some1 please give me some guidance on it please.

"
the question states the company issues annunity policy for 2 lives with same age, in return for a single premiums. under the policy an annunity is payable £10,000 pa in advance, while atleast one of the lives is still alive. and i have to calculate an expression for Net Future Loss Random Variable.
"

I think its along the lines of:
= Present Value of benefits - Present Value of Premium Payments.
= [P* a(double dot)x:y(bar)] - [P* a(double dot)xy:n(square)]

is that right?

Can some1 confirm if i am on the right track please??