A Wants to Obtain Life Insurance for Himself and Contacts

A wants to obtain life insurance for himself and contacts his insurance agent,who arranges the policy with an insurance company.A few days later,the insurance policy is issued and then it is delivered to A,but it requires him to pay the first premium,which he does.In this case,the contract is made

A) when A pays the first premium.
B) when A pays the first premium after the insurance policy is delivered to him.
C) when the insurance agent arranges the policy with the insurance company.
D) when A contacts his insurance agent.
E) when the insurance company issues the policy.