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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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'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.
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.
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.
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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.
Just WONDERFUL ......RECOMMENDED .,.. Kevin M.
Kevin M.
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 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.
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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.
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.
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.
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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Pamela and her team are the best. They do the extra work in helping my husband and I find the best Medicare supplement plans and they assist us in navigating... read more
Yuriko H.
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.
Very professional and did a great job of presenting choices in an understandable manner.
Christopher A.
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!
Diane G.
