EBERHARDT, Judge.
1. (a) "An application for insurance is a mere offer," (Fort Valley Coca-Cola Bottling Co. v. Lumbermen's Mut. Cas. Co., 69 Ga.App. 120 (1) (24 S.E.2d 846)), and the company is free to accept or reject it. Boswell v. Gulf Life Ins. Co., 197 Ga. 269, 272 (29 S.E.2d 71). Unless the offer is accepted by the company no contract ever comes into existence and no liability can arise. "The intention of the parties to a life insurance contract...
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