Top Rated Disability
Insurance Advisor |
Rene Apack

Looking for disability insurance? Rene can help. He will work with you to identify the best policy to fit your specific needs, whether you need short-term or long-term disability insurance or something else.

Would You Like to Enjoy a Worry-Free Life?

The most important protection is your ability to earn by having individual disability insurance.

An illness or an accident can strike unexpectedly at any time without warning. What then?

If you want to ensure that your money flows continuously, a disability insurance policy helps you stay financially secure and provide peace of mind.  This benefit can help you cover your living expenses, medical bills, and other costs associated with a disability.  It can also help you maintain your lifestyle and provide financial security for your family.
Daughter embracing father in wheelchair with laptop

What is your plan when your income stops & can’t work due to an accident?

What will you do when your paycheck stops & can’t work due to an illness?

Rene Apack, Top Rated Disability Insurance Advisor, understands that Disability Insurance coverage is essential to financial security. Whether you are looking to protect yourself and your family from the financial burden of a disability due to an illness or injury or seeking long-term protection to ensure your loved ones can maintain their lifestyle if something happens to you.

He specializes in Disability Income Insurance, Life Insurance and Home care and Extended Health Care (LTC) insurance, so you can get the best possible plan for your needs.

Rene can provide the proper coverage to meet your needs. With Rene’s expertise and experience, you can be sure you are getting the best disability insurance coverage from the most trusted companies that is tailored just for you.

Disability Income Insurance is the Foundation for Your Income to Flow, Always.

It will provide you and your family financial security and peace of mind.

Short Term
Disability Insurance

Short Term Disability Insurance can provide an essential layer of financial protection against the risk of injury or illness. While you may think that you are healthy and won’t need to be away from work for more than a few days, the fact is that 1 in 3 Americans will suffer a disability lasting 90 days or more during their working years

Short Term Disability Insurance helps ensure that during these difficult times, you’ll have the funds available to cover basic expenses like rent, bills, and groceries while you focus on getting better. Don’t leave yourself vulnerable – get Short Term Disability Insurance today and protect yourself against life’s unexpected events.

Long Term Disability

When it comes to long-term disability insurance, Preparation for our unknown future is Vital.

Long Term Disability Insurance helps protect your income if you are disabled for an extended period due to an accident or illness, so preparing yourself with this insurance coverage is essential for financial security. Nearly 1 in 5 people living in the U.S. can expect to suffer from a disability that lasts more than a year before age 65.

Don’t wait until it’s too late –– get Long Term Disability Insurance now and make sure you’re financially secure no matter what life throws at you!

“Gap” Disability Insurance

Most working people hold a mistaken belief that their employers provide disability insurance protection as an end-all. Group plans offer a policy but are always limited, with significant exclusions and limitations. Have you read the policy that your employer provides you?

You will see that such a policy is not always the most reliable form of protection. If you have an employer-provided disability insurance policy, Supplemental Disability Insurance is a great way to fill in all the gaps. It can provide additional coverage and financial protection if you become disabled and cannot work, your employer’s plan may not pay. Also, remember that the benefits are taxable if your employer pays your premium.

Any benefits received through Supplemental Disability Insurance are not taxable! Having Supplemental Disability Insurance can give you peace of mind knowing that your family will have enough income flow to live on.

Disability Insurance

If you or a loved one are facing a catastrophic disability, what will you do?


Consider purchasing Catastrophic Disability Insurance before you lose your good health and it’s too late! This type of insurance provides comprehensive coverage for extended health care, including in-home care, personal care attendants, and more. With Catastrophic Disability Insurance, you can rest assured that you will have access to quality home care to make your recovery comfortable and successful.


This insurance can help provide financial security and peace of mind, allowing you to focus on getting better without worrying about how you’ll pay for necessary services.

Don’t wait until it’s too late – purchase Catastrophic Disability Insurance today and protect yourself and your family from the financial burden of a catastrophic disability.

Mother in a wheelchair with hre daughter

Are you worried about the financial consequences of
not being able to work due to an injury or illness?

Don't wait until it's too late -
Take Action Now

to protect yourself and your family from the devastating financial consequences of an unexpected disability

Get the coverage you need

to ensure that you and your family are protected in the event of an accident or illness that keeps you from working.

Don't let an accident or illness

take away the control of your lifestyle.

Disability Insurance Explained in Simple Terms


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+1 (847) 917-4870

Mailing Address

1002 North Milwaukee Avenue, Libertyville, IL 60048