I will mark you brainlist!

Down in the Gulf of Mexico how do sandbars from?

Rip currents often form near structures in the water such as piers or jetties, when wave heights change suddenly, or most frequently when a channel is cut into a sandbar

Explanation:

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