Life insurance quotes provided by Cosmic Tech Inc, (DBA Cosmic Life in Texas) ("Cosmic Life"), a Delaware corporation with its principal office in Texas is a licensed independent insurance brokerage. 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.