Helping physicians, business owners, professionals, and working individuals protect their income and financial future with clear, personalized guidance.
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Many people insure their home, car, and possessions—but overlook protecting the income that supports everything else.
An unexpected illness or injury can create significant financial stress if income suddenly stops.
Disability insurance helps provide financial protection so you can focus on recovery and maintaining long-term stability.
My role is to help simplify the process and help you understand your options clearly.
Physicians often have high earning potential along with significant financial responsibilities.
Own-occupation disability insurance can help protect income if a medical condition prevents you from practicing in your specialty.
I work with physicians and medical professionals to help them understand:
Technology professionals often rely heavily on specialized skills and long-term earning potential.
A disability or health issue can interrupt income unexpectedly, especially for individuals working in demanding technical roles. Disability insurance can help provide financial protection and stability while recovering from unexpected situations.
Business owners often carry financial responsibilities both personally and professionally.
A disability can impact:
Proper planning can help provide financial stability during unexpected situations and help protect the business you’ve worked hard to build.
Higher earners often face larger financial obligations and lifestyle commitments.
Standard group coverage may not fully protect high levels of income.
Individual disability insurance strategies can help supplement existing benefits and create stronger long-term income protection.
Many employer-provided disability plans offer valuable protection, but they may also have important limitations.
Common concerns can include:
Reviewing existing group coverage can help determine whether additional protection may be appropriate.
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 😊!
Your income supports your family, lifestyle, goals, and future plans. Disability insurance planning can help provide financial stability when life takes an unexpected turn.
