Mitsuki visited a local insurance agent to obtain coverage for her...

Mitsuki visited a local insurance agent to obtain coverage for her yacht. She requested liability coverage in the amount of $100,000 and hull coverage in the amount of $150,000. She asked the agent to submit her request to Watercraft Insurers. The higher the coverage limits, the more money the agent makes in commissions. Which one of the following is the most appropriate action for the agent?

- The agent should refuse to submit a request to Watercraft Insurers until it is determined whether greater coverage limits are advisable.

- The agent should refuse to submit a request to Watercraft Insurers until it is determined whether lower coverage limits are advisable.

- The agent should review the situation with Mitsuki to determine what would be reasonable amounts of coverages.

- The agent should submit a request to Watercraft Insurers with the coverage requested just as Mitsuki asked