• Life Insurance for Someone with Crohn’s Disease

    Crohn’s disease and life insurance Crohn’s disease is a chronic inflammatory bowel disease. Sometimes called regional enteritis. There may be inflammation of any part of the gastrointestinal tract from mouth to anus. Inflammation can spread into many layers of the affected tissue. Commonly affected areas are the terminal ileum, colon and anorectal regions. Clinical features […]

  • Long Term Care and Chronic Illness Riders on Life Insurance

    Long Term Care and Chronic Illness Accelerated Benefit Riders What is it 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 benefits […]

  • Term Life – Is Price the Only Thing that Matters?

    Price matters, but is that all that matters? Consumers of term life make their buying decision based mainly on price, but there are a few other things to consider. With so many products similarly priced maybe consumers should look at the other features that might be important to them. Let’s look at a few features […]

  • So you think you’re immortal?

    If you think you are immortal? I beg to differ and so does the Social Security Administration. See the US Social Security Mortality Table 2013 Based on their table I’ve calculated some odds. Our clocks are always ticking. Male Age Odds you’ll be dead in 20 years Odds you be dead in 30 years 30 4.72% […]

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

    I have been involved with life insurance since 1981. When I started in the business I trusted my managers and believed all the good ‘stuff’ they told me about whole life insurance / cash value life insurance. They told me what a good long term investment it is.  It builds cash value on a tax […]

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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 Crohn’s Disease

Crohn’s disease and life insurance Crohn’s disease is a chronic inflammatory bowel disease. Sometimes called regional enteritis. There may be inflammation of any part of the gastrointestinal tract from mouth to anus. Inflammation can spread into many layers of the affected tissue. Commonly affected areas are the terminal ileum, colon and anorectal regions. Clinical features […]

Long Term Care and Chronic Illness Riders on Life Insurance

Long Term Care and Chronic Illness Accelerated Benefit Riders What is it 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 benefits […]

Term Life – Is Price the Only Thing that Matters?

Price matters, but is that all that matters? Consumers of term life make their buying decision based mainly on price, but there are a few other things to consider. With so many products similarly priced maybe consumers should look at the other features that might be important to them. Let’s look at a few features […]

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