Welcome to DCD Financial & Insurance Services
The DCD Financial & Insurance Services team is committed to providing clients with the highest quality insurance plans, combined with some of the lowest rates available in all of California. Our team is dedicated to delivering a personalized service, backed by specialized knowledge and efficient outcomes. Ultimately, our mission is to build lasting relationships with each of our clients so that we may continue ensuring exceptional service for years to come!
How can we help you today? Let the DCD Financial & Insurance Services team help you find the right coverage for your insurance needs.
Work with Experienced
Insurance Experts!
The DCD Financial & Insurance Services Team
is committed to providing clients with the right coverage, the lowest rates, and award-winning service throughout the state of California. We'll help you choose the right coverage for everything in your life from your home to your business. Our team provides personalized guidance and treats every client with professionalism and care!
The DCD Financial & Insurance Services Team
Start your insurance purchase process here!
The DCD Financial & Insurance Services team will shop your policy needs to multiple carriers to find you the lowest possible rate combined with the best coverage. Let us help you make a smart decision.
What our clients are saying
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Thank you Pam F.H. and team for the usual high quality of service and caring, and for the best outcome for my health coverage needs. Wishing you and your team... read more
Lupe P.
Just WONDERFUL ......RECOMMENDED .,.. Kevin M.
Kevin M.
Pam and her team work diligently to get the best options for my Medicare drug plan. Annually they request information for price comparisons in November, they call at your appointment... read more
Katherine F.
Pamela has been our "Amazing" Agent for several years now. She has always gone above and beyond being kind, friendly, helpful and very knowledgeable explaining our options thoroughly. She helps us by... read more
Clara M.
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Review for Pam Fugitt-Hetrick LUTCF from Dan and Judy Phillips This is a big "shout-out" for her impeccable insurance service for many years! She has always found us the best... read more
Dan P.
I highly recommend Pamela and the staff at DCD Financial & Insurance Services. I approached their office for help several years ago as I tried to sift through the... read more
Jody B.
Pamela has been helping my husband and I with our Medicare choices for 7 and 6 years respectively. We have been very happy with her guidance. Pamela’s up-to-date knowledge about... read more
Julie E.
Very professional and did a great job of presenting choices in an understandable manner.
Christopher A.
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Pam's the best!
Kristi P.
I am so grateful to have had Pam walk my through my options when I started with Medicare a few years ago. And now she makes it so simple to... read more
Betsy M.
My experience has been with Pam. She is so responsive, helpful, and knowledgeable about insurance, and what fits your needs. She's very down to earth and good at explaining what... read more
Ellen C.
I highly recommend DCD and Pam, especially, for Insurance needs. They are local and understand our area and my needs. Thank you.
Ann M.
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I've had the pleasure of collaborating with Pamela Fugitt-Hetrick of DCD Financial & Insurance Services for several years regarding my small business insurance needs. After previous experiences with agents that... read more
Christine S.
It was very easy as opposed to checking out all of the mail and calls by solicitors.
Julie C.
I have worked with Pamela at DCD since moving to Santa Cruz six years ago. She offers options and recommendations and will even refer you to sign-up directly for Part... read more
Sandi D.
Pam keeps me on track. She saves me from hours of complex and confusing research. She knows my circumstances, she knows Santa Cruz's resources, and she can match them up.... read more
Steven K.
