David Hayward

David has worked in the Insurance and financial services industry for close to 25 years. As an Advanced Sales Specialist, he focuses on non-qualified plans, premium financing and wealth transfer strategies. David earned the Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU) and Fellow Life Management Institute (FLMI) designations and is a registered representative with Equity Services.

After living in 10 states and traveling to all 50, he has chosen to reside in Nashville, Tennessee where he enjoys the vibrant music scene and the rapidly expanding restaurant scene. David and his wife, Lucie, can often be spotted traveling the country in search of unique festivals and unusual places off the beaten path.

Equity Services, Inc., is a broker/dealer affiliate of National Life Insurance Company.


Is the cheapest term life insurance policy always the best?

Stocksy_txp3985c3f6SS8000_Original_12001When it comes to buying life insurance, you may not know where to begin.  You don’t want to pay more than you need to, but you want to be sure the coverage is there when it is needed.

Term life insurance is a very popular choice for many consumers because it has the lowest current cost and provides the most basic form of life insurance protection.  Protection is only for a stated period of time, for example 20 years, and as long as the premiums are paid, the death benefit protection is active; if premiums are not paid, the death benefit protection ceases.


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