Life insurance quotes provided by Buchanan Ventures LLC, DBA Cosmic Life in TX, who is the licensed agent. Products or issue ages may not be available in all jurisdictions. Limitations or restrictions may apply. A.M. Best is a large third party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance and ability to meet its ongoing obligations to policyholders. Our application asks about your health and lifestyle to avoid requiring a medical exam.