Cost Wise Insurance,
A Franchise Offering

Why Choose a Cost wise Franchise?

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:

  • A dedicated coach ready to Zoom with your clients when needed.
  • A motivating leaderboard to celebrate success.

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.

A One-Stop Insurance Shop Built to Better Serve Our Customers.

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.

Additionally, we provide

A full suite of personal insurance protection including:

  • Auto
  • Home
  • Life
  • Commercial

These comprehensive offerings coupled with a client-centered approach has made Cost Wise a trusted brand in the insurance industry.

Diversify Your Income, Secure Your Future

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.

The franchise process

1. Fill Out the Form

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

2. Kick Off

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.

3. Discovery Day

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.

4. FDD review

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

5. Finalize Agreement

Apply for financing if needed.

6. Foundational Training

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

7. Grand Opening!

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

Own your future in a $3.2 Trillion market that never stops growing.

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.

Unique Operational Model

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.

Strong Potential ROI

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

Strategic Partnerships

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.

Trusted Brand

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.

Passive Income

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.

Build a Brand, Feed a Child

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.

Invest in Your Future and Serve Your Community with a Cost Wise Insurance Franchise!

TRAINING AND SUPPORT

Superior Training and Support

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.

Comprehensive Training

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.

Support

Operational

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

Marketing

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

Ongoing R & D

Cost Wise Insurance management will continue to research methods and techniques for franchise operations (including purchasing and promotional schemes) that enhance unit-level profitability.

A Reasonable Initial Investment for Faster Profitability

$35,000

Franchise Fee

TOTAL MINIMUM INVESTMENT OF $110,200*

*Includes franchise fee of $35,000, training, initial marketing, and working capital for the first year.

Sliding Scale Royalty

15%

for the first

$10,000

in monthly gross commissions

10%

for all premiums

> $10,000

in monthly gross commissions

10%

Required Local Marketing Spend

Cost Wise Insurance Franchise Partners

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.

Download Our Brochure