Stephan applied for a disability insurance (DI) policy at the end of last month. He has since decided to take a job that does not pay quite as well but offers better advancement opportunities. The policy has now been issued by the insurance company for delivery. During the agent's meeting with Stephan to deliver the policy, she learned about the career change. What should the agent do now? The agent should record the particulars of the change, deliver the contract, and advise Stephan that the premiums will decrease. The agent should not give the contract to Stephan. Instead the agent should record the particulars of the change and return the policy to the insurance company for them to re-assess the underwriting decision The agent should deliver the contract and advise Stephan that only a change in health can affect his insurability once a policy has been issued. The agent should record the particulars of the change, deliver the contract, and advise Stephan that the coverage amount will be reduced