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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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
Ginny B.
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.
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 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.
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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.
Pam is the best! Very professional & educated on the all the ins and outs of Medicare Insurance benefits. I appreciate her keeping in touch via emails with... read more
Anna F.
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.
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 &.
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Pam's the best!
Kristi P.
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.
It was very easy as opposed to checking out all of the mail and calls by solicitors.
Julie C.
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.
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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 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.
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.
Very professional and did a great job of presenting choices in an understandable manner.
Christopher A.
