About Us

John has been in the insurance business for over 30 years.  In 1990, John launched JMD Group to focus on employee benefits.  However, he did not want to open up just another insurance agency.  He wanted to build a business that others would come to recognize and rely upon for its unique commitment to client advocacy, creative business solutions and peace of mind.  In fact, John would like you to think of JMD Group as your very own group benefits department. 

While the years have brought several national industry awards and recognition, it’s the clients that have stayed with him all the years that means the most.  That’s why you won’t just hear from John or his staff only at renewal time, or when there’s a problem.  He is committed to being your partner, not an insurance vendor.  Not only a strong advocate for your employees, he’s always reachable and always ready with solutions.

A Chattanooga area native, John and Karen live on Signal Mountain with their three children.  He and his family are members of the First Presbyterian Church of Chattanooga, Tennessee where John serves as a deacon. 

Bill is a native of Chattanooga. He is married with two children. He has been in the insurance business since 1975. He specializes in business and personal insurance planning. He also advises in financial services and estate planning. He is a lifetime member of the Million Dollar Roundtable and holds educational certification in business insurance and estate planning. He is a member of CFPN (Christian Financial Professionals Network), National Association of Insurance and Financial Advisors and National Association of Health Underwriters. He is involved in his local church and is a member of the Christian Business Men’s Council. He is also a member of Alhambra Shrine Temple. He is very active in outdoor sports, hunting, fishing, hiking, scuba diving and skiing. He is also assistant coach for his son’s little league team. “The best is yet to come” is Bill’s philosophy.

Melissa is a native of the Chattanooga area.  She is married to Jim and has two daughters, Amber and Kayla.  She enjoys reading, tennis and water sports. She graduated with an Associates in Business Management degree in 1979 from Edmondson Business College and later achieved her BS from UTC in Business Management. She started her career in benefits as a Fund Administrator with the Iron Workers Welfare & Pension Plan.  Since starting her career in benefits she has worked all aspects of insurance; life, health, dental, vision as well as disability and life coverage.  She has worked in Employee Benefits for over 20 years.

Charity is a native of the Chattanooga area. She has been in group insurance since 1999. Her time spent outside of insurance is shopping, working out, and spending time with family and friends.

As Administrator for JMD Group, Lisa’s primary focus is on the structure and maintenance of the office, accounting, and human resources.   Prior to joining JMD, she managed a commercial real estate investment firm for several years in Atlanta, Georgia and has an extensive background in office administration.  A native of Virginia, Lisa currently resides in North Chattanooga and looks forward to making Tennessee her new home.  During her free time, she enjoys spending time with her Pug, and exploring the city’s culture and surrounding areas with new friends.  

Michelle does all of our individual and "baby group" insurance of five employees or less. She specializes in medical, dental and supplemental medical insurance. Michelle’s ability to work one on one with clients to provide the benefits they need is what sets her apart from other agencies.






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