We’re the First and only franchise built to support small business owners with more than just personal insurance.
Our simple, step-by-step program gets you licensed, trained, and ready to operate in just 2 weeks.
Leverage our AI-powered agency management system to streamline operations and maximize efficiency.
Benefit from proven advertising campaigns, ongoing social media support, and a professionally built website designed to attract and convert clients.
You’re never alone. From day one, you’ll have:
Full-Service Startup Support
From licensing and LLC setup to office location, staff hiring, and training, we guide you through every step of launching and scaling your business.
Founded by Melody Avecilla, Cost Wise Insurance is a full-service Insurance Super Center. Staffed by licensed specialists who are extra mindful of clients’ time and out-of-pocket expenses, the Cost Wise Insurance model delivers cost-effective, high-quality commercial and personal insurance plans.
Cost Wise Insurance is the insurance expert specializing in Landlord policy (apartments, rental dwellings, triplex etc), HOA, Home Health Care and High Valued homes. Think 4 H’s. Habitational, HOA, Home health care and High Valued Homes, among other lines of insurance.
A full suite of personal insurance protection including:
These comprehensive offerings coupled with a client-centered approach has made Cost Wise a trusted brand in the insurance industry.
As a franchisee at CostWise Insurance, it’s not just sales; it’s about maximizing your income. Get broker and service fees, first-year and renewal commissions, and the chance to sell your book value for retirement. Your success, your earnings—we’re here to make it happen.

Complete our form on our website and we will reach out to provide you with more information.

The Cost Wise Insurance Team Wants to Meet You! We will schedule an in-person or remote meeting to review your application and discuss details as we begin our partnership.

Our franchise development representative will schedule a visit to our corporate location. Here, we will review detailed information on our business model, support, and marketing tools available.

WE will send you a FDD (franchise disclosure document) for your review. You will have 14 days to review documents.

Apply for financing if needed.

Our leadership team will train you and your team in preparation for establishing your own Cost Wise Insurance Franchise.

Public Relations (PR), social media campaigns and local news coverage will spread buzz on your Grand opening to ensure local community is as excited about this occasion
With over $1.7 Trillion in annual premiums, insurance is one of the most in-demand and resilient industries in the U.S. Built on a proven record of growth, Costwise brings together decades of industry expertise, strategic vendor partnerships, and proprietary operational advantages. Our franchise model is designed for efficient replication, giving you the tools, systems, and support to succeed in any market. With Costwise, you’re not just investing in a business — you’re joining a recession-resistant powerhouse with limitless potential.

By providing a wealth of products from different providers to create a one-stop insurance super center, the Cost Wise Insurance model presents a unique approach to the insurance industry.

With reasonable start-up costs in a high-demand industry, Cost Wise Insurance offers a fast potential ROI for a motivated owner/operator.

Cost Wise Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we can offer the best coverage at the most competitive price.

By delivering the most cost-effective products with a personal touch, the Cost Wise Insurance brand receives consistent 5-star reviews, which are beneficial for effective SEM strategies.

One of the main benefits of entrepreneurship is passive income. A Cost Wise Insurance franchise can help diversify your revenue streams and build wealth for a lasting legacy.

Not only is Cost Wise a trusted insurance brand, but we also offer franchisees the opportunity to give back to their community. A portion of each franchise fee will be contributed toward providing meals to disadvantaged children.
The owner/operator franchise model is more than a financial investment. It’s a commitment of time and lifestyle as well. That’s why we want to provide every possible tool for franchisee success.
Because there are a multitude of services to be offered through the Cost Wise Insurance system, our
dual-phase training program aims to empower our partners with all the knowledge they need for franchise success.

The Cost Wise Insurance team will provide ongoing training and support in many areas, including unit operations, customer-service techniques, and administrative procedures.

We will coordinate the development of advertising materials, marketing plans, and SEO/SEM strategies to help franchisees leverage our established and trusted brand.

Cost Wise Insurance management will continue to research methods and techniques for franchise operations (including purchasing and promotional schemes) that enhance unit-level profitability.
The number one quality we look for in a franchisee is a commitment to serving the client with the
highest integrity. If you’re a people person with a background in sales, insurance, accounting, consulting,
banking, or other professional services, a Cost Wise Insurance franchise might be the right fit for you.
This is not a franchise offering. A franchise offering can be made by us only in a state if we are first registered, excluded, exempted or otherwise qualified to offer franchises in that state, and only if we provide you with an appropriate franchise disclosure document. Follow-up or individualized responses to you that involve either effecting or attempting to affect the sale of a franchise will be made only if we are first in compliance with state registration requirements or are covered by an applicable state exclusion or exemption.
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