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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Pamela was excellent! She guided us through my initial Medicare and prescription enrollment. She helped my husband save a lot of money by changing his current prescription plan. She was patient and... read more
Vicki R.
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
David D.
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.
Pamela and her staff are always knowledgeable, helpful and efficient.
Patti B.
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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.
Pam's the best!
Kristi P.
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 &.
Many thanks for clear, timely help along with good strategies for saving money while getting the health insurance I need. You are the best!!
Joe C.
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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.
Very professional and did a great job of presenting choices in an understandable manner.
Christopher A.
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 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.
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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 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.
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.
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.
