Emily is a girl, table shows for males. It says there "For females, use the age of a male 3 years younger", so 27 - 3 = 24 <-- look at the table for this value on the 20- year endowment. You'll have 42.34 annual premia per 1000 FV your questions asks for the $25000 Face Value, so just multiply 42.34 to 25 000 and you should get $1 058.5
