Helping individuals and families protect their income, prepare for the future, and make confident Medicare decisions with clear, personalized guidance.
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Your ability to earn an income is one of your most valuable assets. Unexpected health issues, disabilities, or long-term care needs can create financial stress at the worst possible time. Proper planning helps protect your lifestyle, independence, and long-term financial stability. I help clients understand their options clearly and choose protection strategies tailored to their situation and goals.
Disability insurance helps protect your income if an illness or injury prevents you from working. Whether you’re a physician, business owner, or working professional, the right coverage can provide critical financial protection during unexpected situations.
Long-term care planning helps prepare for future care needs while protecting assets and reducing potential burdens on family members. Planning early typically provides more options and better value.
Many people prefer receiving care at home rather than in a facility. Proper planning can help create more flexibility and support future care decisions while maintaining independence and quality of life.
Rene is extremely thorough and clear in explaining your options. He helps you navigate all the plans with ease and makes sure you are informed and comfortable with your decision.
Rene will give the best deal based on your own personal needs. He has been very friendly, taking time for your concerns, explaining in clear words what is the best deal. He has been very professional, courteous, always makes you feel like you are part of the family, and trying to help you the best way for your interest. I was never disappointed by him, and save me thousands of dollars on my plan!
My wife and I have worked with Rene over the last several years and we could not be more pleased. He is very customer focused and low pressure. He presents options for us and helps us educate ourselves. We have recommended him to a lot of our friends. You cannot go wrong letting him serve you!
I’ve known Renée many years and networking. Renée touch base with me last year and look at my insurance programs and I have supplemental F he did price comparison for me and was able to save me over $100 a month for the same insurance. And also save me on my part D insurance. He watches my rates for me and always gives great advice. I always tell my clients do not just by insurance on line you need to talk to the person .
Rene is essential for understanding Medicare, your 2ndary insurance and the Prescription Drug Plan. He will help you understand and revise your 2ndary Medicare insurance policy which needs to be re-shopped every three years because of price changes. HOWEVER, the drug plan MUST be re-shopped EVERY YEAR to minimize your full out-of-pocket costs on your Prescription Drug Plan. Rene is fantastic and helps you do this as a service at no cost!"
Just did my annual review of medigap and part D with Rene, and... another $300 savings . he is the BEST. I would also highly recommend him for short erm and long term disability insurance. He is one of the few commercial/financial relationships in my life that I trust has MY interest 110% at heart. If everyone in the industry was Rene Apack, there would be no need for the fiduciary rule.
I wanted to take this opportunity to thank Rene for all his hard work and dedication! For over 10 years, Rene has helped my grandmother with her healthcare insurance; not only finding the best rates, but also working side by side with us to fully understand our options. Thank you again, Rene. Your hard work is truly appreciated 😊!
Medicare decisions can feel overwhelming, especially with so many plan options, enrollment rules, and coverage details.
My role is to simplify the process, explain your options clearly, and help you make confident decisions based on your needs and priorities.
Understanding the differences between Medicare Advantage and Supplement plans is one of the most important parts of the process. I help clients compare options carefully and avoid common mistakes.
Prescription costs and formularies can vary significantly between plans. Reviewing drug coverage carefully can help reduce unexpected expenses.
Timing matters with Medicare. I help clients understand enrollment windows and avoid unnecessary penalties or coverage gaps.
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Trusted by clients across Illinois, Arizona, and more than 40 states.
Whether you’re protecting your income, planning for future care needs, or navigating Medicare, I’m here to help guide you clearly and confidently.
