• 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 […]

  • Life Insurance for Someone with Breast Cancer

    Someone with breast cancer may be able to get life insurance.

  • Life Insurance for Someone Who Had a Heart Attack

    Heart attacks and life insurance Is it possible to get life insurance for someone that had a heart attack? There are now several life insurers that will make favorable offers: sometimes as good as a standard rate for life insurance. At it’s most basic, a heart attack (myocardial infarction) is when heart muscle cells become […]

  • Long Term Care and Chronic Illness Riders on Life Insurance

    Long Term Care and Chronic Illness Accelerated Benefit Riders What are these riders designed to do? These riders are designed to provide early access to the death benefit in the event that the insured is chronically ill or has severe cognitive problems. The idea is that the money can help pay for extra care.  The […]

  • Impaired Life Insurance: learn to profit from it

    Stand out from the crowd: perform the more difficult job and make it look easy. Many insurance agents shy away from trying to help people with health impairments because it looks like more work. It is more work, but it’s worth it: and not just monetarily. Yes the premiums are larger, but so are the […]

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Simplify your Life Insurance sales

Industry leading technology:

  • Quote fast and accurately from your computer or smartphone

  • Intuitive, online impaired risk questionnaires

  • Lightning fast eLicensing in 5 minutes

  • Submit your cases online in 5 minutes or less

  • ePolicy delivery means in force faster and quicker commission payout

Proactive Case Management:

  • Underwriting requirements are automatically ordered for you

  • Real-time updates on your pending business

Exclusive Programs:

  • Turnkey automated leads program

  • Accelerated underwriting programs

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Other Markets

Long-Term Care

Disability Income

Final Expense

Annuities

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 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 […]

Life Insurance for Someone Who Had a Heart Attack

Heart attacks and life insurance Is it possible to get life insurance for someone that had a heart attack? There are now several life insurers that will make favorable offers: sometimes as good as a standard rate for life insurance. At it’s most basic, a heart attack (myocardial infarction) is when heart muscle cells become […]

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