Any trial assessments provided through XRAE are tentative and nonbinding and based on the information provided as of the date thereof. Assessments provided through XRAE are NOT OFFERS of life insurance, nor are they a guarantee that any insurance company ("Company") will offer to issue a policy at any specific rate classification. Should a formal application be submitted, the Company will evaluate all subsequent information received and all prior information will be re-evaluated. Any final, formal decision must be based on a completed application for the appropriate Company and the Company's receipt and resolution of all age, amount, financial, reinsurance and any other underwriting and administrative requirements. Such final, formal decision may differ from any information provided by XRAE. The agent may not communicate this information to the client without also telling the client that it is a preliminary assessment only (not an "offer"), that it is not binding on the Companies and that any final decision may differ from this trial assessment and will be subject to all of the Company's conditions and requirements for placing insurance in force.