Life insurance agent Ben completes a life insurance application with his client, Andrei. After three months in underwriting, the application is accepted and

the policy is issued on a standard rate. Ben goes to deliver the policy. When he gets to Andrei's, he tells him how he just got into competitive motocross.

What should Ben do$?$

Simply deliver the policy to Andrei, as his application has already been accepted.

Deliver the policy to Andrei, but notify the underwriter of the information.

Tell Andrei that, because of the new information, he cannot deliver the policy and must put an end to the entire application process.

Tell Andrei that, because of the new information, he cannot deliver the policy and must notify the underwriter for further consideration.