Tom should decline the complete application and should discuss the matter with agency manager.
A agreement between an insurance plan holder and an insurance company in which the insurer agrees to pay a sum of money in exchange for a premium upon the demise of an insured person or after a specific amount of time is known as life insurance.
In the Above scenario, in the absence of the Identification proof from the insurer the Agent Tom should decline the complete application and should discuss the matter with agency manager or filed compliance manager.
Learn more about life insurance here:
https://brainly.com/question/1158820
#SPJ1