Taking a look at developing proper edge loop topology when modeling human figures from Kim Edwards, who shows how to build a base mesh for a human female, focusing on edge lop topology for the pelvis and shoulders.
Poly modelling a simple torso, Focusing on setting up flexible base topology for shoulder and pelvis
Demonstrating the modeling process in Autodesk Maya, this can easily be transposed to any 3D application, providing a great foundation for new modelers looking into low-poly strategies for the human form.