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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 time and you get to talk to a live person. I never worry about my new enrollments.

I love this company. Pam is so knowledgeable and I trust her 100% I highly recommend this company She knows things I could never dream of!

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 stay on top of my insurance needs. Thank you!

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 can be a confusing and overwhelming subject. I highly recommend her!

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 walking us through the enrollment process of making the right choice in choosing the Medicare supplemental and drug plan that is suitable for us. We appreciate the lead time and prompt replies. My husband and I highly recommend DCD Financial & Insurance Services. Thank you SO much Pamela for always being there and looking out for us. You and you staff are exceptional??

Pam at DCD has been my insurance agent for years. She is knowlegeable, resourceful and personable. I rely on her knowledge and expertise of the insurance world so I can... read more make informed choices. Her team are helpful also.

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 D if it's in your best interest financially and coverage-wise. I highly recommend Pamela at DCD.

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 deals that suit our needs to a big "T"! We encourage all our friends to avail themselves of her personal service! Sincerely, Dan and Judy

I highly recommend DCD and Pam, especially, for Insurance needs. They are local and understand our area and my needs. Thank you.

My Liabilities Insurance Broker referred me to Pam because he said she was the best and he was right. I have had significant medical expenses and thanks to Pam's expertise, I... read more haven't paid a dime. I highly recommend Pam for all your insurance needs.

DCD Financial has always be professional and well informed in all aspects of health insurance information for their clients. I highly recommend them to people (especially seniors) who are... read more is looking for a health insurance plan that fits their budget and life style. DCD Financial makes my life less stressful when it comes time to renew my health insurance. I will always consult them when it comes to my health insurance questions or concerns. 😉👌

Pam put a quick end to the confusion and frustration commonly experienced when entering the world of Medicare. She readily made the options clear and calmed all my confused --... read more all the while patient with my "but...but..." No pressure, no judging, no urgency. Pam provided simplified information and, at my own pace, let me filter her clarity through my confusion. And wow - with what she presented I wondered how and why it had to be so hard in the first place. I felt confident about my plan decisions. I am very grateful Pam!