- Independent Broker · CA License #0G97478
The Right Insurance.
Not Just Any Insurance.
Bill Ware shops Nationwide, John Hancock, Blue Cross, UHC, and 20+ more carriers so you get the best coverage at the best rate — for life insurance, Medicare, or your business in Los Angeles.
- No cost to use our services
- Independent — we work for you
- Serving LA since 2008
Encino, CA
Insurance Coverage for Every Stage of Life
From protecting your family with life insurance to navigating Medicare as you retire, we match you with the right plan — and explain it in plain English.
Life Insurance
Term, Whole Life, and Indexed Universal Life policies that protect your family and build long-term financial security. Key Person coverage available for businesses.
Medicare Insurance
Medicare Supplement (Medigap) and Medicare Advantage plans for seniors in LA County. We compare options so your retirement isn't eaten by medical bills.
Covered California
ACA marketplace plans for individuals and families. We navigate subsidy eligibility, plan tiers, and open enrollment so you don't overpay or underinsure.
Trusts & Estate Planning
Coordinate your life insurance with a trust strategy to protect assets, minimize probate, and ensure your beneficiaries receive what you intend.
Auto & Home Insurance
Personal lines bundled to save you money. We compare quotes from Travelers and other top carriers to find the right balance of price and protection.
Commercial Insurance
General liability, workers' comp, BOP, and professional liability for LA businesses. Coverage tailored to your industry so you can focus on growing.
You Deserve an Advisor, Not a Sales Pitch
As an independent broker, Bill Ware has no quota for any single carrier. His only job is finding what’s right for you.
Access to 20+ Top Carriers
We shop Nationwide, John Hancock, Blue Cross, Transamerica, UHC, Travelers, and many more — in a single call.
Free Consultations, Always
There is no fee to work with us. Carriers pay us a commission when you enroll — so our service costs you nothing.
Ongoing Policy Reviews
Your life changes — your coverage should too. We proactively review your policies to make sure you're never over- or under-covered.
Local LA Knowledge
Based in Encino, serving the entire Los Angeles metro. We know California's insurance market — and its quirks — inside out.
Bill Ware
Founder & Licensed Broker
"My clients don't need the most expensive policy — they need the right one. I've built Aware Insurance to be the kind of broker I'd want for my own family."
- CA License #0G97478
- 15+ years serving Los Angeles
- Life, Health & Commercial lines
- Available by phone, office, or video
Ready to Find the Right Coverage?
Frequently Asked Questions
Questions about insurance? You’re not alone. Here are answers to the ones we hear most.
We offer Term Life Insurance (the most affordable, time-limited coverage), Whole Life Insurance (permanent with cash value), and Indexed Universal Life (IUL) insurance, which ties cash value growth to a stock market index with downside protection. We carry plans from Nationwide, John Hancock, Transamerica, Prudential, and others. We’ll help you determine which type fits your budget and goals in a free consultation.
Most people become eligible for Medicare at age 65. Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday and ends 3 months after. Missing this window can result in lifetime premium penalties. We help LA residents navigate Medicare Supplement (Medigap) and Medicare Advantage options to minimize out-of-pocket costs.
Covered California’s standard open enrollment runs November 1 through January 31 each year. Outside that window, you can only enroll if you have a Qualifying Life Event (QLE) like losing job-based coverage, getting married, or having a child. We help you determine your subsidy eligibility under the ACA and find the right plan tier (Bronze, Silver, Gold, or Platinum) for your situation.
No. Our services are completely free to you. Insurance carriers pay licensed brokers a commission when clients enroll. This means we’re incentivized to find you the best plan — because if you’re not satisfied, you won’t stay. There are no hidden fees, no consultation charges, and no obligation.
Yes. We specialize in commercial coverage for small to mid-size businesses including General Liability, Business Owners Policies (BOP), Workers’ Compensation, and Professional Liability (E&O). We work with Hiscox, Pie Insurance, Three by Berkshire Hathaway, and others. Call us to discuss your industry and we’ll tailor a coverage plan.
- Independent insurance broker serving Los Angeles since 2008. We shop 20+ carriers so you don't have to.
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- CA License #0G97478
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