• 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?

  • Life Insurance for Someone with Epilepsy

    Epilepsy, seizures and life insurance Finding the most favorable rating on life insurance for someone with epilepsy may require ‘shopping’ the case to several markets. Life insurers differ in their levels of experience and expertise in certain illnesses and impairments, including epilepsy. Consequently, life insurers can view the same case and yet make quite different […]

  • 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 […]

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  • Submit your cases online in 5 minutes or less

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Proactive Case Management:

  • Underwriting requirements are automatically ordered for you

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Exclusive Programs:

  • Turnkey automated leads program

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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 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 […]