• Life Insurance for someone who has COPD

    Chronic Obstructive Pulmonary Disease (COPD) COPD is a persistent obstruction of the airways. Chronic Bronchitis and Emphysema are the two main conditions comprising the COPD group of diseases. Cigarette smoking is by far the number one cause. The Mayo Clinic says that “COPD is treatable and that with proper management, most people with COPD can […]

  • life insurance for alcohol or drug abuse

    Alcohol, drug abuse, and life insurance For the majority of drinkers of alcoholic beverages, there is little risk to health or longevity. However, excess alcohol intake has a substantial impact on mortality. Excess alcohol consumption has been associated with heart problems such as alcoholic cardiomyopathy (which is a weakening of the heart muscle), arrhythmia, atrial fibrillation, ventricular tachycardia. Other […]

  • Life Insurance for someone with sleep apnea

    What is sleep apnea? Sleep apnea is a disorder in which breathing is repeatedly interrupted during sleep. Complete cessation of breathing is known as apnea while hypopnea is partial cessation of breathing. Why do life insurers care if you have sleep apnea? During apnea episodes the oxygen level in the blood falls. Persistent low oxygen levels […]

  • Life Insurance for Someone with Multiple Sclerosis

    Life Insurance and Multiple Sclerosis According to the National Multiple Sclerosis Society about 1 million people in the US have MS.  It is very possible to get life insurance for someone with Multiple Sclerosis. The rating will be dependent on the severity of the disease. In MS the immune system attacks the myelin sheath, which […]

  • Life Insurance for Someone with Mitral Valve Prolapse

    Can someone with mitral valve prolapse get life insurance?

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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 who has COPD

Chronic Obstructive Pulmonary Disease (COPD) COPD is a persistent obstruction of the airways. Chronic Bronchitis and Emphysema are the two main conditions comprising the COPD group of diseases. Cigarette smoking is by far the number one cause. The Mayo Clinic says that “COPD is treatable and that with proper management, most people with COPD can […]

life insurance for alcohol or drug abuse

Alcohol, drug abuse, and life insurance For the majority of drinkers of alcoholic beverages, there is little risk to health or longevity. However, excess alcohol intake has a substantial impact on mortality. Excess alcohol consumption has been associated with heart problems such as alcoholic cardiomyopathy (which is a weakening of the heart muscle), arrhythmia, atrial fibrillation, ventricular tachycardia. Other […]

Life Insurance for someone with sleep apnea

What is sleep apnea? Sleep apnea is a disorder in which breathing is repeatedly interrupted during sleep. Complete cessation of breathing is known as apnea while hypopnea is partial cessation of breathing. Why do life insurers care if you have sleep apnea? During apnea episodes the oxygen level in the blood falls. Persistent low oxygen levels […]