Our Services

James Avecilla is an experienced insurance consultant and Co-Founder of Cost Wise Insurance in Studio City, California. Holding the LUTCF designation, he specializes in designing coverage strategies that reflect each client’s real risks and long-term goals. His work spans personal, commercial, and life insurance, with a strong emphasis on education, transparency, and proactive risk management.

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Personal Insurance Planning

Customized auto, home, renters, and umbrella insurance designed around real-life risks and coverage clarity.

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Life Insurance Strategy & Planning

Term and permanent life insurance solutions focused on income protection, family security, and long-term financial goals.

Business & Commercial Insurance

Coverage for small to mid-sized businesses, including general liability, commercial auto, workers’ compensation, and professional liability.

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Independent Carrier Comparison

Evaluating multiple insurance companies to find the best coverage, pricing, and terms—so clients get unbiased options that fit their needs, not a one-size-fits-all policy.