Fredonia State Bank v. General American Life Ins. Co., 881 S.W.2d 279, 283 (Tex. 1994). In such instances the application, per se, is excluded from the contract. National Life Accident Ins. Co. v. Collier, 31 S.W.2d 465, 467 (Tex.Civ.App. — Beaumont 1930, no writ). That being true, we cannot consider the provisions of the application in deciding this appeal. Parenthetically, it is worth noting that the application is effective as an offer to contract.