Most people today have access to supplemental benefits through their employers. Companies like AFLAC and Colonial Life offer voluntary insurance lines that employees can enroll in at the same time that they are signing up for their group health insurance. Their employer then simply deducts the premiums out of their payroll. If your employer doesn’t offer voluntary benefits, you can find all kinds of standalone policies in the individual insurance market. There are many kinds of supplemental insurance, such as hospital indemnity products, critical illness riders, term, and whole life insurance, and also accident insurance. There is also cancer insurance usually offered and some people might overlook the value of this insurance, but the reality is that more than 1 in 3 people will get cancer some time during their lives. It is also a reality that your health insurance doesn’t cover all of the expenses that you are likely