Helping individuals and families across Illinois make confident decisions about income protection, Medicare, and long-term care planning with clear, personalized guidance.
I built my practice serving clients throughout Illinois, where many long-term relationships continue today.
For more than 27 years, I’ve helped individuals and families navigate important decisions involving Medicare, income protection, disability insurance, and long-term care planning.
While I now work remotely from Scottsdale, Arizona, many of my long-term clients remain throughout Illinois, and I continue to work with clients across the state through phone and screen-share consultations.
Medicare decisions can feel overwhelming, especially with so many plan options, enrollment rules, and coverage details.
I help Illinois residents understand their options clearly and avoid common mistakes related to:
The goal is to simplify the process and help you make informed, confident decisions.
Protecting your income is one of the most important parts of long-term financial planning.
Unexpected health issues or care needs can create major financial stress if proper planning is not in place.
I help clients throughout Illinois understand strategies related to:
Every situation is different, and my role is to help simplify the process and provide clear guidance tailored to your goals.
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 😊!
I work with clients throughout Illinois, including:
All consultations are handled remotely for convenience and flexibility.
Whether you’re planning for Medicare, protecting your income, or preparing for future care needs, I’m here to help guide you clearly and confidently.
