The plum pudding model of the atom states that

a) each atom has overall negative charge.
b) each atom has dense, positively charged center.
c) an atom is a solid, invisible sphere that makes up all matter.
d) an atom is made up of electrons in a sea of positive charged.

the Atom is a solid,invisible sphere that makes up all matter

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