What is the algebra phrase x time y equal

Answer

x times y = xy

x + y times a + b = (x + y) (a + b)

For that you can use the FOIL method which is First, Outside, Inside, Last.

First: x times a = ax

Outside: x times b = bx

Inside: y times a = ay

Last: y times b = by

So you have ax + bx + ay + by.

If you end up using numbers, then you can simplify.

Ask your teacher or parents. It's easier to explain in person.