Convection currents in air and water occur because warm fluids are less dense than cold fluids cold fluids are less dense than warm fluids the molecules of warm fluids bump into the molecules of cold fluids electromagnetic waves move the air or water

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