Who does Tom legally represent when writing an insurance policy on his brother-in-law's life?

In this scenario, Tom, as an insurance agent, is writing a policy through Acme Insurance Agency. When an agent represents an insurance company, they are acting on behalf of that company and must prioritize the insurer's interests. Therefore, the policy is ultimately issued under the agency's authority.

While Tom is also related to the individual for whom the policy is being written, the legal contractual obligations and the responsibilities of the agent fall under the domain of the insurance agency. This means that Tom's legal representation, in this case, pertains directly to Acme Insurance Agency rather than to his brother-in-law personally.

It's important to understand that agents must disclose any potential conflicts of interest and maintain their duties to the agency they represent, ensuring that the business is conducted fairly and in accordance with state regulations.