Covid-19: Understanding Screening and Testing


Creating a safe work environment is extremely important for employers, now more than ever, to ensure employees are staying healthy and protecting their co-workers as they return to the workplace.

Five Major Trends with Life Insurance for 2021 and Beyond


The future of life insurance will be different than in the past. Over the past 30+ years, we have been in a declining interest rate environment. This means that new money pouring into the insurance companies to be invested has generally earned a lower rate than prior new money that was invested earlier when rates for conservative investments were higher.

The BottomsLine – Spring 2021

We all have a story – and our stories are unique. Years ago, I was sitting at my conference table with the owners of a successful business. The conversation was around their assets and their family. At some point in conversations like this, the objective is to understand what it is the clients want. It […]

The BottomsLine – Spring 2020

We love surprises. Like a birthday party…or the delivery of a thoughtful gift, or handwritten note. Unfortunately, we know that life inevitably gives us some bad surprises, sometimes suddenly. Like a health event that comes out of nowhere and takes a life, or diminishes income and financial resources that are needed for support…or the jolt […]

The BottomsLine – Fall 2019

After all of these years in the business, the point of it all has finally come into clear focus – I want to be a hero. And, although we’ve never verbalized exactly that way, the entire team at TBG has the same mindset. Please allow me to elaborate. In July, I was in Chicago for […]

The BottomsLine – Spring 2019

One of our physician clients recently asked us to take a look at an insurance policy insuring the life of his father. After 20 years of level premiums, the premium had recently increased and there was confusion about the future viability of the coverage and the ongoing premium commitment. As it turns out, the policy […]

The BottomsLine – Fall 2018

As I write this, a destructive hurricane is stalled over parts of the North Carolina coast creating significant damage, and supposedly heading west. That’s a little closer to home than we are used to here in Atlanta. Hurricanes are supposed to remain offshore and only threaten places like the Caribbean. Our optimistic spirits convince us […]

The BottomsLine – Spring 2018

Years ago, when I graduated from Georgia Tech and began my career, I had a future vision of what my life would be like by now. That vision was naïve. My lifestyle back then was fairly simple. Time moved on and I have accumulated more people in my life that I love. I’ve developed more […]

Long Term Care: You Have Options

BY LAURA BOTTOMS HIGGINBOTHAMVICE PRESIDENT, INSURANCE SERVICES If you’re like me, you may have noticed an increase in construction of senior living facilities lately. This does not surprise me as it is common knowledge that we have an aging population who is living longer thanks to modern medicine. Therefore, the need for additional senior care […]

Small Group Health Plans Go “Level Funded”

BY DAVID BOTTOMS, REBC, RHU, CLU, CHFCSENIOR VICE PRESIDENT, BENEFITS As premiums for fully-insured small group medical coverage continue to increase due to the Affordable Care Act’s community rating rules, small business owners looking for competitively priced alternative approaches to health care coverage owe it to themselves to explore “level funded plans” based on a […]