emily ruth's annual premium is $1058.50
step-by-step explanation:
emily ruth is a female of 27 years age purchasing 20 year endowment insurance with face value $25000.
from the given table,
for females, the age of a male 3 years younger should be used.
so, we have to check for 24 year male for 20 year endowment.
it is 42.34 for every $1000 face value.
for a face value of $25000,
it is 25 * 42.34 = $1058.50
∴ emily ruth's annual premium is $1058.50