• Life Insurance for Someone with Lupus

    Lupus and life insurance Getting the most favorable rate on life insurance for someone with Lupus may take some ‘shopping’ around. Life insurance companies can make diverse offers on the same case. Types of Lupus: Discoid lupus is a limited disease with superficial skin involvement only. It has no systemic features, although a small number […]

  • Life insurance for someone that had a stroke

    What is a stroke or cerebrovascular accident? A stroke occurs when brain cells die due to lack of oxygen caused by poor blood flow in the brain. The poor blood flow could be a result of blocked or damaged blood vessels. Strokes are one of the leading causes of death in America. The CDC reports […]

  • Life Insurance for Someone with Depression

    Can Someone with depression get life insurance? The short answer is probably. Most insurers will issue a policy unless the depression is very severe, there have been multiple hospitalizations, or there has been suicide attempts. Most life insurers have concluded that the extra mortality risk is due to suicide, cardiovascular disease , and substance abuse. […]

  • Cash Value Life Insurance – is it a good deal?

    Cash Value Life Insurance as an Investment “Cash value life insurance is a good long term investment” “Whole life insurance returns dividends in excess of seven percent” “Indexed universal life lets you accumulate money tax deferred and withdrawal at retirement time tax free” Truth or Hype  The downside details that are downplayed, not mentioned, or […]

  • Life Insurance for Tobacco Users

    Life Insurance for Tobacco Users Basics Depending on the type of tobacco or nicotine you use, life insurance underwriting can vary drastically from carrier to carrier.  I’m talking about cigars, chewing and dipping tobacco, pipe, nicotine replacements (gums, patches, lozenges), and the newer E-cigarettes and vapor cigarettes.  There are a few carriers that are more relaxed […]

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Our Team

Bryan-Davis

Bryan Davis Principal

Bryan Davis is a principal owner of Victory Brokerage, Inc. In 2003, after graduating from Drexel University, Bryan started his career as a sales rep for a life insurance brokerage. He resides in West Chester with his wife Coleen and their three children, Charlotte, Reid, and Quinn. He is active in the Exton Region Chamber of Commerce and their Young Professionals Network
Tom Herbst, CLU

Tom Herbst Principal

Tom Herbst is a principal owner of Victory Brokerage, Inc. Tom has been life insurance licensed since 1981 when he started in sales for Metropolitan Life Insurance. He has been in life insurance brokerage sales since 1999. And he has personally recruited over 1000 agents to write life and disability income insurance. He earned Chartered Life Underwriter designation 2003.

 

Blog

Life Insurance for Someone with Lupus

Lupus and life insurance Getting the most favorable rate on life insurance for someone with Lupus may take some ‘shopping’ around. Life insurance companies can make diverse offers on the same case. Types of Lupus: Discoid lupus is a limited disease with superficial skin involvement only. It has no systemic features, although a small number […]

Life insurance for someone that had a stroke

What is a stroke or cerebrovascular accident? A stroke occurs when brain cells die due to lack of oxygen caused by poor blood flow in the brain. The poor blood flow could be a result of blocked or damaged blood vessels. Strokes are one of the leading causes of death in America. The CDC reports […]

Life Insurance for Someone with Depression

Can Someone with depression get life insurance? The short answer is probably. Most insurers will issue a policy unless the depression is very severe, there have been multiple hospitalizations, or there has been suicide attempts. Most life insurers have concluded that the extra mortality risk is due to suicide, cardiovascular disease , and substance abuse. […]

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