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 Kincaid'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.
Working at a local agency taught Joy the fundamentals of the business, but it also showed her how often customers were pressured, misled, or left unsupported. In 2018, she stepped out on her own and launched her agency. By 2019, Kevin had joined her as her business partner, and together they continued building Kincaid Solutions around a simple mission: sell insurance the way they wish it had been sold to them.
