Concept:An insurance policy starts when the applicant formally applies by completing a specific document.Explanation:The first step in taking an insurance policy is to provide personal and risk-related details.This is done through a proposal form, which the insurance company uses to assess the risk.The applicant states facts such as the value of property or type of vehicle to be insured.Other documents like a cover note, certificate of insurance, or advice note are issued after the policy is processed.Therefore, completing a proposal form is the necessary first action.Answer:A. proposal form