In the blink of an eye, it happens. We live day to day, making plans for the weekend or the afternoon, and then suddenly everything changes.

Without warning, our lives can shift gears with a trip to the emergency room or our annual physical. Critical illness is something few of us anticipate, but many of us will face.

According to the American Heart Association, about every 34 seconds someone suffers a heart attack. Every 40 seconds someone suffers a stroke. The American Cancer Society estimates that one out of two men and one out of three women will be diagnosed with cancer during their lifetime.

A diagnosis of serious illness can make it impossible to support your family, at a time when you need support the most.

A critical illness supplement policy is designed to help you avoid the financial strain that a major illness can create. Each company policy has different qualifications, but some examples of conditions commonly covered include: heart attack, stroke, cancer, end-stage renal failure and multiple sclerosis.

This type of insurance provides a lump-sum payment upon your diagnosis. The funds can be used toward anything you need, such as a mortgage payment or travel expenses. Unlike disability insurance, you don’t have to be employed to purchase a policy.

An agent with Graber & Associates can help you learn more about what a critical illness supplement policy could do to protect you and your family from an uncertain tomorrow.