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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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.
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.
The best health insurance assistance service out there! Pam has been my agent for years. I totally trust her and know that the insurance she finds me will... read more
Nancy J.
Pam's the best!
Kristi P.
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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
Via p.
Pam has been keeping us in appropriate health insurance for years! She makes sure we know what changes are coming up before our appointment, then walks us through what those... read more
Cristie T.
Just WONDERFUL ......RECOMMENDED .,.. Kevin M.
Kevin M.
Pam and her team are reliable to help us with our insurance needs every year. We are so happy with the service we get. Thank you DCD Financial for all... read more
Susan J.
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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.
I highly recommend DCD and Pam, especially, for Insurance needs. They are local and understand our area and my needs. Thank you.
Ann M.
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.
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
Betty H.
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Very professional and did a great job of presenting choices in an understandable manner.
Christopher A.
The team at DCD was professional, courteous, attentive and detailed. They addressed my health insurance needs efficiently and relieved me of stress about my coverage. I would recommend them in... read more
Erica B.
Working with Medicare plans is overwhelming. I had a friend recommend Pam at DCD Insurance when I had no knowledge of where to even look. After 14 years of experience,... read more
Marc &.
It was very easy as opposed to checking out all of the mail and calls by solicitors.
Julie C.
