Independent Insurance Agency · Dayton, OH
Insurance Solutions Designed Around Your Needs
Helping individuals, families, business owners, and healthcare professionals find coverage that fits their goals and budget.
- Independent Agency
- Multiple Carriers
- Personalized Guidance
Joy & Kevin Kincaid
Independent Insurance Advisors
We work for you, not the insurance companies.
Our goal is simple: the right coverage, at the right price, for what matters most to you.
Personalized coverage for every stage and situation
From a first-time policy to a multi-state small-business plan, we match you with the carrier and structure that actually fits.
Individuals & Families
Right-sized plans for every stage of life.
Learn MoreSelf-Employed Professionals
Coverage that protects your income and your work.
Learn MoreSmall Business Owners
Group, HRA, and health-matching strategies that scale.
Learn MoreNurse Practitioners
Personal coverage and patient solutions via ELITE NP.
Learn MoreHRT Providers
Plans built for hormone replacement practices via HRTU.
Learn MoreHealthcare Professionals
Specialty guidance for clinicians and their teams.
Learn MoreOne agency. The full coverage stack.
We compare options across 9 top national carriers so the policy you end up with actually matches the way you live and work.
Health Insurance
Major medical plans with the doctors and prescriptions you need.
ExploreLife Insurance
Term and permanent protection — built for your timeline.
ExploreDental & Vision
Add-on coverage for routine cleanings, glasses, and contacts.
ExploreAccident
Lump-sum payouts for injuries — no deductible required.
ExploreCritical Illness
Tax-free benefits at diagnosis of major health conditions.
ExploreTrusted guidance from people who've helped thousands choose well
When you call Kincaid Solutions, you talk to Joy or Kevin — not a call center. Here's what that looks like in practice.
- Preferred health insurance agency for multiple national associations
- 20 years of combined experience
- Independent agency representing 9 top national carriers
- Personalized guidance — no scripts, no sales pressure
- Independent broker access — we work for you, not one carrier
- Multiple carrier options compared side-by-side
- Ongoing support after your policy is in place
- Simplified enrollment process from start to finish
- Healthcare industry experience — including NP and HRT partners
Kincaid Solutions
- Access to 9 top national carriers
- Plans matched to your doctors & medications
- Help renewing, switching, and using your coverage
- No cost to use an independent agent
Captive agent
- Limited to one carrier's plans
- Sales targets aligned with the carrier
- Service tied to one company's products
- Less flexibility when life or budgets change
Compared across 9 top national carriers
We shop the market for you. Below are the carriers we represent every day.
- New Era
- UnitedHealthcare
- Nationwide
- Allstate
- Medical Mutual
- Philadelphia American
- Cigna
- Aetna
- Pacific Life
And many more — we shop the market to find the right fit for you.
Preferred Partner to Healthcare Professionals
Through long-standing partnerships with ELITE NP and HRTU, we support nurse practitioners and HRT providers nationwide with personal coverage, patient programs, and back-office insurance guidance.
ELITE NP
Insurance solutions for nurse practitioners.
HRTU
Coverage built for HRT providers and their patients.
“We believe insurance should never feel confusing. Our goal is to help every client make informed decisions with confidence and peace of mind.”
Independent Insurance Advisors
Joy & Kevin Kincaid
Dayton, Ohio
Insurance As It Should Be
Long before we were insurance professionals, we were a family of four sitting at the kitchen table with a stack of paperwork we didn’t fully understand. Doctor visits. Lab work. Surgeries. We lived the same friction every family lives — bills that kept growing, fine print that kept multiplying, benefits that kept getting harder to actually use.
We started Kincaid Solutions because this work needed to be done differently. Honestly. Without scripts. Without pressure. Without the assumption that one plan fits everyone.
Over the years, we’ve sat with individuals, families, healthcare professionals, and small business owners and walked them through their options the way we’d want our own family walked through them — patiently, plainly, and without an agenda. We answer questions even when someone doesn’t become a client, because the goal isn’t a policy. It’s a person who leaves the conversation feeling understood.
That, to us, is Insurance As It Should Be.
Ready to experience Insurance As It Should Be?
A free, no-obligation conversation. We listen first — then suggest options.
20+ Years Combined Experience
Helping families and businesses navigate insurance with confidence.
Personalized Insurance Guidance
Recommendations tailored to your goals — not carrier quotas.
Honest Recommendations
Independent advice focused on what truly fits your needs.
Support Before & After Enrollment
We're here for renewals, claims, and life changes — not just the sale.
What clients say about working with us
Real people, real coverage, real outcomes. A handful of recent reviews from individuals, business owners, and providers.
Client reviews
“I haven't had to pay anything out of pocket for my doctor's visits since I've been on the plan Kevin put me on.”
“Joy walked me through every option, found a plan that kept my doctor in-network, and saved me almost $200 a month.”
“We needed coverage for a five-person team without a traditional group plan. Kincaid built us something that actually worked.”
“Best onboarding experience I've had with an insurance agency. Clear answers, no pressure, and they actually pick up the phone.”
Answers to the things people ask first
Still curious? Reach out — we’ll get back to you within one business day.
Let’s find coverage that works for you.
Free, no-obligation guidance. We compare plans, check your doctors, and only recommend what actually fits.