Term vs Return-of-Premium Term

Does Return-of Premium Term make financial sense? Return-of-premium term does require higher premiums than level term, but for clients that can afford the extra premium (usually twice the premium for a 30 year plan), it may be worth considering. The effective after tax rate of return can look attractive compared to alternatives. Currently calculated rates […]
Impaired Life Insurance Cases – Is it worth the effort?

Is it too time consuming for insurance agents to handle impaired risk life insurance cases? Some agents may say: “I don’t know what to ask if someone has had a heart attack or some other health problem” “Clients cannot afford it” “It takes too long in underwriting” “Even after I do all the work there is […]
Adding Insult to Insulin: Can Diabetics Get Life Insurance?

Diabetes What is Diabetes? Diabetes is a condition in which the body fails to produce enough insulin, or fails to process insulin normally. Can Diabetics get life insurance? Of course, however, there are some guidelines and restrictions as a result of secondary issues from irregular pancreas function. Insulin is normally produced in the pancreas. It […]
Get High and Secure: Life Insurance for Marijuana Users

Life Insurance for Marijuana users According to new research from the NIH, over 22 million people smoke marijuana regularly. Now, more than ever, marijuana is becoming acceptable in everyday life and in government policy. For this reason, life insurance for marijuana users is becoming more prevalent. Marijuana users who refrained from seeking insurance in the […]
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 […]

What We Do

As a life insurance brokerage general agency, Victory Brokerage, Inc. helps independent agents write life, annuity, final expense, and disability income insurance. Victory provides access to multiple markets for term, universal, and whole life.

Areas of expertise include:

Impaired Risk Life Insurance | Estate Conservation | Business Succession Planning | Business Loan Protection

Learn More

Markets Served

Fully Underwriting Term and Permanent Plans

Final Expense

Impaired Risk

Online Tools

Quote Engine

Term quotes with a basic health analyzer

Drop Ticket Application

Five minute online case submission in lieu of a paper application

Impaired Risk Inquiry

Instantly submit mobile friendly, point-of-sale impairment specific questionnaire for the fastest tentative offers

Our Team

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 two children, Charlotte and Reid.

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

Term vs Return-of-Premium Term

Does Return-of Premium Term make financial sense? Return-of-premium term does require higher premiums than level term, but for clients that can afford the extra premium (usually twice the premium for a 30 year plan), it may be worth considering. The effective after tax rate of return can look attractive compared to alternatives. Currently calculated rates […]

Impaired Life Insurance Cases – Is it worth the effort?

Is it too time consuming for insurance agents to handle impaired risk life insurance cases? Some agents may say: “I don’t know what to ask if someone has had a heart attack or some other health problem” “Clients cannot afford it” “It takes too long in underwriting” “Even after I do all the work there is […]

Adding Insult to Insulin: Can Diabetics Get Life Insurance?

Diabetes What is Diabetes? Diabetes is a condition in which the body fails to produce enough insulin, or fails to process insulin normally. Can Diabetics get life insurance? Of course, however, there are some guidelines and restrictions as a result of secondary issues from irregular pancreas function. Insulin is normally produced in the pancreas. It […]