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About Kincaid Solutions

Independent Insurance Advisors Serving Dayton, Ohio & Beyond

Kincaid Solutions was built by Joy and Kevin Kincaid to give individuals, families, and business owners something they often struggle to find in insurance: honest explanations, personalized options, and real support after the policy begins.

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  • Independent guidance
  • Personal client support
  • Help before and after enrollment
Our Story

Insurance Guidance Built Around People, Not Policies

Years before starting the agency, Joy and Kevin experienced the same frustration many clients face today: losing employer-sponsored coverage, sitting through confusing explanations, and purchasing a plan they did not fully understand.

Instead of accepting that as normal, they decided to build an agency around clarity, honesty, and personal service — one that would explain both the strengths and the trade-offs of every option, and stay available long after the enrollment call ended.

Portrait of Joy Kincaid, Co-founder of Kincaid Solutions
Meet Joy

Joy Kincaid

Co-founder · Independent Insurance Agent

Joy's approach to insurance was shaped by her own experience as a confused and unsupported customer. That experience became the reason she entered the industry and later built Kincaid Solutions.

Entrepreneurship has always been part of Joy's life. Even while working for large corporations early in her career, she continually looked for better ways to serve people and create solutions. In 2006, she began building her own clientele and supporting small businesses, which gave her firsthand insight into the challenges business owners and families often face.

Everything changed in 2013 when Kevin temporarily lost his W-2 job and their family also lost its employer-sponsored health insurance. During a meeting with a health insurance agent, Joy was presented with fast explanations, confusing charts, and a plan she did not fully understand. The family kept the plan for only a few months and later faced significant out-of-pocket costs.

That experience became a turning point. In 2014, Joy became a healthcare agent with a clear goal: to provide the kind of service she wished her own family had received. She wanted to explain coverage honestly, discuss both the advantages and limitations, and continue helping clients after the policy was issued. In 2018, she stepped out on her own and launched her agency. By 2019, Kevin had joined her as her business partner.

“I wanted my clients to feel supported, informed, and advocated for — something I never felt during my own experience.”

— Joy Kincaid

What Joy brings to every client relationship

  • Client advocacy

    Joy approaches every recommendation from the client's point of view and works to make sure they feel heard and respected.

  • Clear education

    She explains coverage in straightforward language so clients understand what they are considering before making a decision.

  • Honest guidance

    Joy discusses both the strengths and limitations of coverage instead of presenting only the positive features.

  • Service after the sale

    She believes the client relationship should continue after enrollment, especially when questions or problems arise.

Portrait of Kevin Kincaid, Co-founder of Kincaid Solutions
Meet Kevin

Kevin Kincaid

Co-founder · Independent Insurance Agent

Kevin combines a researcher's mindset with a practical, hands-on desire to help people understand and implement the right solution.

Kevin describes himself as having a white-collar head and a blue-collar heart. His analytical side enjoys research, comparisons, and making complicated ideas easier to explain. His practical side wants to roll up his sleeves, help solve the problem, and assist with putting the solution into place.

Before entering insurance, Kevin spent approximately ten years in ministry and twenty-five years in the HVAC/R industry. Those experiences shaped his ability to listen, explain complex matters, solve practical problems, and work directly with people from many different backgrounds.

In 2017, Kevin's life changed dramatically when he temporarily lost his eyesight and his traveling sales position within the same week. He was functionally blind for approximately four months and ultimately regained vision in one eye. Joy encouraged Kevin to earn his health and life insurance licenses and join the agency where she was working. He soon began questioning the limitations of the captive agency model, and together they moved toward a more independent approach — one that lets them help more people based on individual circumstances rather than a single product line.

“I have a white-collar head but a blue-collar heart.”

— Kevin Kincaid

What Kevin brings to every client relationship

  • Detailed research

    Kevin enjoys comparing options, examining the details, and identifying important differences that may affect a client.

  • Complex made simple

    He looks for clear ways to explain complicated insurance concepts and turn them into understandable choices.

  • Practical problem-solving

    Kevin focuses not only on identifying a possible solution but also on helping the client understand the next steps.

  • Persistence and resilience

    His own career transition taught him how to keep moving forward through uncertainty and major life changes.

Better Together

Different Strengths. One Shared Commitment.

Joy leads with advocacy, education, and client care. Kevin brings research, analysis, and practical problem-solving. Together they help clients understand their options and feel supported throughout the process.

Joy

Joy Kincaid

Advocate and educator

  • Listening to the client's concerns
  • Explaining options clearly
  • Discussing pros and cons honestly
  • Supporting clients after enrollment
  • Understanding small-business needs
Kevin

Kevin Kincaid

Researcher and problem-solver

  • Comparing options in detail
  • Simplifying complicated information
  • Identifying practical solutions
  • Applying decades of business experience
  • Helping clients navigate difficult situations

Together, Joy and Kevin combine personal service with careful research.

Recognition

Awards & Industry Recognition

These recognitions reflect years of dedication, continuous learning, and a commitment to serving every client with honesty, clarity, and care.

  • 2019

    Venice Leaders Conference Qualifier

    Kevin Kincaid

    Venice, Italy

  • 2021

    Leaders Conference Qualifiers

    Joy & Kevin Kincaid

    Beverly Hills, California

  • 2024

    U65 Health Producer Award

    Joy Kincaid

    Cannes, France

While we are grateful for these recognitions, the greatest reward is the trust our clients place in us every day.

Why Independence Matters

Why Choose an Independent Insurance Agency?

Joy and Kevin chose a more independent path so they could compare more options, explain meaningful differences, and make recommendations based on the client rather than the limitations of one product line.

  • Personalized guidance

    Recommendations built around your household, health, and priorities — not a fixed script.

  • Broader coverage options

    The freedom to compare plans from multiple insurance carriers instead of a single product line.

  • Clear pros and cons

    Honest explanations of both the strengths and the trade-offs of each option we present.

  • Support after enrollment

    A real person to call when something changes, a claim comes up, or you have a question.

Our Mission

Insurance As It Should Be

For Joy and Kevin, doing this well means selling insurance the way they wish it had been sold to them: with honesty, clarity, respect, and support before and after enrollment.

  • Listen

    Understand your circumstances before discussing possible coverage.

  • Explain

    Present the available options, trade-offs, and limitations in straightforward language.

  • Support

    Remain available when you need help understanding or using your coverage.

Personal service · No call center

Ready to Find Coverage That Fits Your Needs?

When you work with Kincaid Solutions, you receive guidance from people who take the time to understand your situation and help you navigate the next step.

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