The document discusses the need to protect income from medical expenses, as over 60% of bankruptcies are due to medical costs. It notes that most people who file for bankruptcy are employed and have insurance but still cannot afford expenses. The document promotes Aflac insurance as a solution to cover living expenses if one cannot work due to a medical issue. It provides background on Aflac being founded in 1955 and now insuring over 40 million people worldwide. Contact information is provided for those interested in Aflac's affordable programs.

1. “Everyone needs to protect their income.” Los Angeles, CA 2009

2. Did you know that… Over 60% of bankruptcies filed in the U.S. today are filed because of medical expenses? Darryl Brooks, Independent Agent Representing Aflac

3. “Did you also know that…Most of people who file bankruptcy are employed and have medical insurance?” Darryl Brooks, Independent Agent Representing Aflac

4. You already know that major medical deductible and co-payment cost are increasing – including those for prescription drugs. Darryl Brooks, Independent Agent Representing Aflac

5. Fact: Most employed Californians have an average of only 8 days of paid sick time available to them through their employer per year. Darryl Brooks, Independent Agent Representing Aflac

6. Fact: If life-interrupting medical events were to occur and you could not work, California State Disability does not kick in until the 8th day of your injury…and only pays you approximately of 55% of your lost income. Darryl Brooks, Independent Agent Representing Aflac

7. Fact: Most employed households cannot afford to miss more than 2 weeks of income. Darryl Brooks, Independent Agent Representing Aflac

8. If a life-interrupting medical event were to occur, your options of…1. Dipping into savings2. Securing a loan from a financial institution(while you’re not working), or3.Borrowing from friends and family…are not preferable (or available) options. Darryl Brooks, Independent Agent Representing Aflac

9. You insure your car,you insure your property,but who insures the cost of your daily living? Darryl Brooks, Independent Agent Representing Aflac

10. Let me show you how Aflac can offer a solution. Darryl Brooks, Independent Agent Representing Aflac

11. “But first – a little background.” Darryl Brooks, Independent Agent Representing Aflac

12. Aflac was founded by three brothers, John Amos, Paul Amos, and Bill Amos, in Columbus, Georgia, in 1955. Darryl Brooks, Independent Agent Representing Aflac

13. Today, with total assets of more than $60 billion, Aflac insures more than 40 million people worldwide. Aflac is the largest provider of guaranteed-renewable insurance in the United States and pays out more than $10 million in claims per day. Darryl Brooks, Independent Agent Representing Aflac

14. If you live in the Greater Los Angeles area… Please feel free to contact me at our regional sales office @ (626)796-7077 ext. 394, or, email me at darryl_brooks@us.aflac.comand I’ll be happy to show you the affordable programs available to you (directly, or through your employer) from Aflac. To find out more go to www.aflac.com Darryl Brooks, Independent Agent Representing Aflac

15. “Thank you” Darryl Brooks, Independent Agent Representing Aflac