Aflac Incorporated Announces Fourth Quarter Results, 2012 EPS In Line With Guidance And Objective, Affirms 2013 Operating EPS

  Aflac Incorporated Announces Fourth Quarter Results, 2012 EPS In Line With
  Guidance And Objective, Affirms 2013 Operating EPS Target, Declares First
                            Quarter Cash Dividend

PR Newswire

COLUMBUS, Ga., Feb. 5, 2013

COLUMBUS, Ga., Feb. 5, 2013 /PRNewswire/ --Aflac Incorporated today reported
its fourth quarter results.

Reflecting the weaker yen/dollar exchange rate, revenues rose 6.6% to $6.4
billion in the fourth quarter of 2012, compared with $6.0 billion in the
fourth quarter of 2011. Net earnings were $581 million, or $1.24 per diluted
share, compared with $538 million, or $1.15 per share, a year ago.

Net earnings in the fourth quarter of 2012 included after-tax realized
investment losses, net of realized investment gains, of $111 million, or $.23
per diluted share, compared with net after-tax losses of $146 million, or $.30
per diluted share, a year ago. After-tax realized investment losses in the
quarter were $217 million, or $.45 per diluted share. These losses primarily
resulted from impairments taken on securities issued by the Republic of
Tunisia and UniCredit SpA (HVB Funding Trusts). After-tax realized investment
gains from securities transactions in the quarter were $76 million, or $.16
per diluted share. On an after-tax basis, hedge costs related to dollar
investments of Aflac Japan were $3 million in the quarter, or $.01 per diluted
share. Realized after-tax net investment gains from other derivative and
hedging activities in the quarter were $33 million, or $.07 per diluted share.

Aflac believes that an analysis of operating earnings, a non-GAAP financial
measure, is vitally important to an understanding of the company's underlying
profitability drivers. Aflac defines operating earnings as the profits derived
from operations before realized investment gains and losses from securities
transactions, impairments, and derivative and hedging activities, as well as
nonrecurring items. Aflac's derivative activities include: foreign currency,
interest rate and credit default swaps in variable interest entities that are
consolidated; foreign currency swaps associated with the company's senior and
subordinated notes; and foreign currency forwards used in hedging foreign
exchange risk on U.S. dollar-denominated securities. Management uses operating
earnings to evaluate the financial performance of Aflac's insurance operations
because realized gains and losses from securities transactions, impairments,
and derivative and hedging activities, as well as nonrecurring items, tend to
be driven by general economic conditions and events or related to infrequent
activities not directly associated with the company's insurance operations,
and therefore may obscure the underlying fundamentals and trends in Aflac's
insurance operations.

Furthermore, because a significant portion of Aflac's business is in Japan,
where the functional currency is the yen, the company believes it is equally
important to understand the impact on operating earnings from translating yen
into dollars. Aflac Japan's yen-denominated income statement is translated
from yen into dollars using an average exchange rate for the reporting period,
and the balance sheet is translated using the exchange rate at the end of the
period. However, except for a limited number of transactions, which includes
the Aflac Japan dollar investment program, the company does not actually
convert yen into dollars. As a result, Aflac views foreign currency as a
financial reporting issue and not as an economic event for the company or its
shareholders. Because changes in exchange rates distort the growth rates of
operations, readers of Aflac's financial statements are also encouraged to
evaluate financial performance excluding the impact of foreign currency
translation. The chart toward the end of this release presents a comparison of
selected income statement items with and without foreign currency changes to
illustrate the effect of currency.

Operating earnings in the fourth quarter were $697 million, compared with $684
million in the fourth quarter of 2011. Operating earnings per diluted share
rose 2.1% to $1.48 in the quarter, compared with $1.45 a year ago. The weaker
yen/dollar exchange rate decreased operating earnings per diluted share by
$.04 for the fourth quarter. Excluding the impact from the weaker yen,
operating earnings per share increased 4.8%.

For the full year, total revenues were up 14.4% to $25.4 billion, compared
with $22.2 billion a year ago. Net earnings were $2.9 billion, or $6.11 per
diluted share, compared with $1.9 billion, or $4.12 per share, in 2011.
Operating earnings for the full year were $3.1 billion, or $6.60 per diluted
share, compared with $2.9 billion, or $6.27 per diluted share, in 2011.
Operating earnings per diluted share rose 5.3% for the year. For the year, the
yen/dollar exchange rate was relatively flat. Excluding a $.01 per share
benefit from the impact from foreign currency, operating earnings per diluted
share rose 5.1% for the year.

Total investments and cash at the end of December 2012 were $118.2 billion,
compared with $124.2 billion at September 30, 2012. Although negatively
impacted by the weaker yen, total investments and cash continued to benefit
from strong cash flows.

In the fourth quarter and for the full year, Aflac repurchased 1.9 million
shares of its common stock. At the end of December, the company had 22.4
million shares available for purchase under its share repurchase
authorization.

Shareholders' equity was $16.0 billion at December 31, 2012, which was
unchanged from September 30, 2012. Shareholders' equity at the end of the
fourth quarter included a net unrealized gain on investment securities and
derivatives of $2.6 billion, compared with a net unrealized gain of $2.3
billion at the end of September 2012. Shareholders' equity per share was
$34.16 at December 31, 2012, compared with $34.10 per share at September 30,
2012. The annualized return on average shareholders' equity in the fourth
quarter was 14.5%. On an operating basis (excluding total net realized
gains/losses in net earnings, and unrealized investment and derivative
gains/losses in shareholders' equity), the annualized return on average
shareholders' equity was 20.6% for the fourth quarter.

AFLAC JAPAN

Aflac Japan's total revenues in yen were up 10.5% in the fourth quarter of
2012. Premium income in yen rose 11.2%, benefiting from strong sales of WAYS,
Aflac Japan's unique hybrid whole-life product. Net investment income
increased 5.2%. The pretax operating profit margin decreased from 18.8% in the
fourth quarter of 2011 to 17.7%, and pretax operating earnings in yen
increased 4.1%. For the year, premium income in yen increased 9.9%, and net
investment income increased 6.1%. Total revenues in yen were up 9.4%, and
pretax operating earnings grew 2.0%.

For the fourth quarter, Aflac Japan's results in dollar terms were suppressed
by the weaker yen/dollar exchange rate. The average yen/dollar exchange rate
in the fourth quarter was 80.93, or 4.4% weaker than the average rate of 77.35
in the fourth quarter of 2011. For the full year, Aflac Japan's results in
dollar terms were not materially impacted by the exchange rate. For the full
year, the average exchange rate was 79.81, compared with 79.75 in 2011.

Despite the weaker average yen in the fourth quarter, premium income in
dollars rose 6.1% to $4.4 billion. Net investment income in the fourth quarter
was $711 million, or .3% higher than 2011. Total revenues increased 5.4% to
$5.1 billion. Pretax operating earnings declined slightly by .5% to $906
million. For the full year, premium income was $17.2 billion, or 9.8% higher
than a year ago. Net investment income rose 5.8% to $2.8 billion. Total
revenues were up 9.3% to $20.1 billion. Pretax operating earnings were $3.9
billion, or 2.0% higher than a year ago.

In the fourth quarter, new annualized premium sales rose 1.5% to ¥49.3
billion, or $609 million. During the same period, bank channel sales increased
21.4% to ¥20.0 billion, primarily reflecting the strong sales of WAYS. Sales
of WAYS increased 20.7% in the fourth quarter. 

For the full year, total new annualized premium sales were up 30.8% to ¥210.6
billion, or $2.6 billion.

AFLAC U.S.

Aflac U.S. total revenues rose 5.8% to $1.4 billion in the fourth quarter.
Premium income increased 5.5% to $1.3 billion, and net investment income was
up 4.4% to $156 million. The pretax operating profit margin was 14.6%, which
was unchanged from a year ago. Pretax operating earnings were $208 million, an
increase of 5.9% for the quarter. For the year, total revenues were up 5.4% to
$5.6 billion and premium income rose 5.4% to $5.0 billion. Net investment
income increased 4.2% to $613 million. Pretax operating earnings were $997
million, an increase of 10.3% from a year ago.

Aflac U.S. total new annualized premium sales decreased .7% to $444 million
for the quarter. For the full year, total new sales increased .8% to $1.5
billion. Persistency improved to 77.1%, compared with 76.2% a year ago.

DIVIDEND

The board of directors declared the first quarter cash dividend. The first
quarter dividend of $.35 per share is payable on March 1, 2013, to
shareholders of record at the close of business on February 15, 2013.

OUTLOOK

Commenting on the company's fourth quarter results, Chairman and Chief
Executive Officer Daniel P. Amos stated: "We are very pleased with Aflac's
financial performance for both the quarter and year. As the year progressed,
operating earnings per diluted share were better than expected, and we
finished the year toward the high end of our objective of a 3% to 6% increase
before the impact of foreign currency. That, in part, reflected the benefits
of a deferred coupon payment in the first quarter, as well as a lower annual
effective tax rate. As we had conveyed in the third quarter, following nine
months of restrained expenditures, we increased spending on IT and marketing
initiatives in the fourth quarter to further enhance our business.

"Aflac Japan generated a solid quarter and another outstanding year. The
tremendous sales we generated in 2012 were again largely driven by the bank
channel. Following five straight record quarters of new annualized premium
sales growth, sales in the fourth quarter slowed, in large part due to
extremely difficult comparisons. Additionally, as we expected, sales were
negatively impacted by the reduction of the discounted advance premium rate
that was effective October 22, 2012. Importantly, Aflac Japan's impressive
sales for the full year were in line with our expectation we communicated in
the third quarter.

"From a financial perspective, Aflac U.S. continued to perform well for the
quarter and for the full year. While new sales growth has been constrained,
our top-line growth has been consistently strong throughout the year,
primarily reflecting an improvement in persistency. With more than 90% of our
accounts coming through the small business market, we continue to see that
segment as particularly vulnerable to economic uncertainty. Given this
backdrop, Aflac U.S. 2012 sales results were in line with our most recent
guidance of roughly flat sales for the year.

"We continued to make progress with the transformation of our Global
Investment Division. As I have said before, I strongly believe our derisking
activities have better positioned our portfolio to accommodate market
volatility. At the same time, we've been able to enhance our new money yields,
primarily through our U.S. corporate bond program. Following the success of
this program in the third quarter, our objective was to invest roughly
two-thirds of Aflac Japan's fourth quarter investment cash flow, or about $3.1
billion, in U.S. dollar-denominated, publicly traded corporate bonds, and then
hedge the currency risk. We remain very pleased with the results this quarter.
This strategy provides greater liquidity, enhances flexibility for our
portfolio and increases the opportunities to diversify the investment of our
significant cash flows beyond Japanese Government Bonds, with the objective of
producing higher returns.

"The strength of our capital ratios demonstrates our commitment to maintaining
financial strength on behalf of our policyholders and bondholders. We
previously conveyed that our goal was to end 2012 with an RBC ratio in the
range of 400% and 500%. While we have not yet completed our statutory
financial statements, we believe our RBC ratio at year-end was significantly
higher than our target. Additionally, we expect that Aflac Japan's solvency
margin ratio at year-end improved over the solvency margin ratio at September
30, 2012, which was 628%, and was well above the 2012 range we had targeted of
500% to 600%.

"Given the strength of our capital ratios and parent company liquidity, we
resumed our share repurchase activities by buying approximately $100 million
of our shares in the fourth quarter of 2012, and it is our current plan to
purchase $400 to $600 million of our shares in 2013. Understand, unless an
extraordinary event occurs, we intend to purchase a minimum of $400 million of
our shares this year.

"As we look ahead to 2013 sales opportunities, we expect Aflac U.S. sales to
be flat to up 5% for 2013. We also expect Aflac Japan sales of third sector
cancer and medical products to be flat to up 5%.

"I want to reiterate that our objective for 2013 has not changed: To increase
operating earnings per diluted share 4% to 7%, or approximately $6.86 to $7.06
per share, on a currency neutral basis.  Therefore, if the yen/dollar exchange
rate averages 90 yen for the full year, it's likely operating earnings per
diluted share will be $6.37 to $6.57 for 2013. I would point out that 2013
earnings comparisons to 2012 will be more difficult because earnings in 2012
were significantly better than we originally anticipated."

ABOUT AFLAC

When a policyholder gets sick or hurt, Aflac pays cash benefits fast. For
nearly six decades, Aflac insurance policies have given policyholders the
opportunity to focus on recovery, not financial stress. In the United States,
Aflac is the number one provider of guaranteed-renewable insurance. In Japan,
Aflac is the number one life insurance company in terms of individual policies
in force. Aflac individual and group insurance products provide protection to
more than 50 million people worldwide. For six consecutive years, Aflac has
been recognized by Ethisphere magazine as one of the World's Most Ethical
Companies. In 2013, FORTUNE magazine recognized Aflac as one of the 100 Best
Companies to Work For in America for the 15th consecutive year. Also, FORTUNE
magazine included Aflac on its list of Most Admired Companies for the 11th
time in 2012. Aflac Incorporated is a Fortune 500 company listed on the New
York Stock Exchange under the symbol AFL. To find out more about Aflac, visit
aflac.com or espanol.aflac.com.

A copy of Aflac's Financial Analysts Briefing (FAB) supplement for the quarter
can be found on the "Investors" page at aflac.com. Additionally on the website
is a complete listing of Aflac's investment holdings in the financial sector,
separate listings of the company's global holdings by region, and sovereign
and financial investments in both perpetual and peripheral Eurozone
securities.

Aflac Incorporated will webcast its quarterly conference call via the
"Investors" page of aflac.com at 9:00 a.m. (EST) on Wednesday, February 6,
2013.

AFLAC INCORPORATED AND SUBSIDIARIES CONDENSED INCOME STATEMENT
(UNAUDITED – IN MILLIONS, EXCEPT FOR SHARE AND PER-SHARE AMOUNTS)
THREE MONTHS ENDED DECEMBER 31,                    2012     2011   % Change
Total revenues                                   $ 6,375  $ 5,979  6.6   %
Benefits and claims                                3,989    3,700  7.8
Total acquisition and operating expenses           1,506    1,457  3.4
Earnings before income taxes                       880      822    7.0
Income taxes                                       299      284
Net earnings                                     $ 581    $ 538    8.0   %
Net earnings per share – basic                   $ 1.24   $ 1.16   6.9   %
Net earnings per share – diluted                   1.24     1.15   7.8
Shares used to compute earnings per share (000):
                      Basic                      467,364  465,559  .4    %
                      Diluted                    470,291  467,734  .5
Dividends paid per share                         $ .35    $ .33    6.1   %

Certain prior period numbers have been restated to reflect the retrospective
adoption of revised accounting guidance  for accounting for costs associated
with acquiring or renewing insurance contracts (deferred acquisition costs, or
DAC).

AFLAC INCORPORATED AND SUBSIDIARIES CONDENSED INCOME STATEMENT
(UNAUDITED – IN MILLIONS, EXCEPT FOR SHARE AND PER-SHARE AMOUNTS)
 TWELVE MONTHS ENDED DECEMBER 31,                   2012      2011    % Change
 Total revenues                                   $ 25,364  $ 22,171  14.4  %
 Benefits and claims                                15,330    13,749  11.5
 Total acquisition and operating expenses           5,732     5,472   4.8
 Earnings before income taxes                       4,302     2,950   45.8
 Income taxes                                       1,436     1,013
 Net earnings                                     $ 2,866   $ 1,937   48.0  %
 Net earnings per share – basic                   $ 6.14    $ 4.16    47.6  %
 Net earnings per share – diluted                   6.11      4.12    48.3
 Shares used to compute earnings per share (000):
                      Basic                       466,868   466,519   .1    %
                      Diluted                     469,287   469,370   –
 Dividends paid per share                         $ 1.34    $ 1.23    8.9   %

Certain prior period numbers have been restated to reflect the retrospective
adoption of revised accounting guidance for accounting for costs associated
with acquiring or renewing insurance contracts (deferred acquisition costs, or
DAC).

AFLAC INCORPORATED AND SUBSIDIARIES CONDENSED BALANCE SHEET
(UNAUDITED – IN MILLIONS, EXCEPT FOR SHARE AMOUNTS)
DECEMBER 31,                                 2012       2011     % Change
Assets:
Total investments and cash                 $ 118,219  $ 103,462  14.3   %
Deferred policy acquisition costs            9,658      9,789    (1.3)
Other assets                                 3,217      2,986    7.7
Total assets                               $ 131,094  $ 116,237  12.8   %
Liabilities and shareholders' equity:
Policy liabilities                         $ 97,949   $ 94,593   3.5    %
Notes payable                                4,352      3,285    32.5
Other liabilities                            12,815     5,413    136.7
Shareholders' equity                         15,978     12,946   23.4
Total liabilities and shareholders' equity $ 131,094  $ 116,237  12.8   %
Shares outstanding at end of period (000)    467,786    466,310  .3     %

Certain prior period numbers have been restated to reflect the retrospective
adoption of revised accounting guidance  for accounting for costs associated
with acquiring or renewing insurance contracts (deferred acquisition costs, or
DAC).

                          RECONCILIATION OF OPERATING EARNINGS TO NET EARNINGS
                          (UNAUDITED – IN MILLIONS, EXCEPT FOR PER-SHARE
                          AMOUNTS)
THREE MONTHS ENDED DECEMBER 31,                      2012     2011   % Change
Operating earnings                                 $ 697    $ 684    2.0   %
Reconciling items, net of tax:
Realized investment gains (losses):
 Securities transactions and impairments     (141)    (168)
 Hedge costs related to foreign
 currency investments                       (3)      –
 Impact of other derivative/hedging            33       22
activities
 Other non-operating income (loss)                (5)      –
Net earnings                                       $ 581    $ 538    8.0   %
Operating earnings per diluted share               $ 1.48   $ 1.45   2.1   %
Reconciling items, net of tax:
 Realized investment gains (losses):
 Securities transactions and                      (.29)    (.35)
impairments
 Hedge costs related to foreign
 currency investments                          (.01)    –
 Impact of other derivative/hedging activities    .07      .05
Other non-operating income (loss)                    (.01)    –
Net earnings per diluted share                     $ 1.24   $ 1.15   7.8   %

Certain prior period numbers have been restated to reflect the retrospective
adoption of revised accounting guidance  for accounting for costs associated
with acquiring or renewing insurance contracts (deferred acquisition costs, or
DAC).



                           RECONCILIATION OF OPERATING EARNINGS TO NET
                           EARNINGS
                           (UNAUDITED – IN MILLIONS, EXCEPT FOR PER-SHARE
                           AMOUNTS)
TWELVE MONTHS ENDED DECEMBER 31,                    2012     2011    % Change
Operating earnings                                $ 3,097  $ 2,946   5.1   %
Reconciling items, net of tax:
Realized investment gains (losses):
 Securities transactions and impairments    (326)    (850)
 Hedge costs related to foreign

 currency investments                      (5)      –
 Impact of other derivative/hedging           105      (159)
activities
 Other non-operating income (loss)               (5)      –
Net earnings                                      $ 2,866  $ 1,937   48.0  %
Operating earnings per diluted share              $ 6.60   $ 6.27    5.3   %
Reconciling items, net of tax:
 Realized investment gains (losses): 
 Securities transactions and                     (.69)    (1.81)
impairments
 Hedge costs related to foreign
 currency investments                         (.01)    –
 Impact of other derivative/hedging activities   .22      (.34)
Other non-operating income (loss)                   (.01)    –
Net earnings per diluted share                    $ 6.11   $ 4.12    48.3  %

Certain prior period numbers have been restated to reflect the retrospective
adoption of revised accounting guidance  for accounting for costs associated
with acquiring or renewing insurance contracts (deferred acquisition costs, or
DAC).



EFFECT OF FOREIGN CURRENCY ON OPERATING RESULTS^1
(SELECTED PERCENTAGE CHANGES, UNAUDITED)
                                 Including               Excluding

THREE MONTHS ENDED DECEMBER 31,   Currency                Currency
2012
                                  Changes                 Changes^2
Premium income                    6.0           %         9.6          %
Net investment income             2.0                     4.5
Total benefits and expenses       6.6                     10.0
Operating earnings                2.0                     5.0
Operating earnings per diluted    2.1                     4.8
share
^1 The numbers in this table are presented on an operating basis, as
previously described.
^2 Amounts excluding currency changes were determined using the same
yen/dollar exchange rate for the current period as the comparable period in
the prior year.

Certain prior period numbers have been restated to reflect the retrospective
adoption of revised accounting guidance  for accounting for costs associated
with acquiring or renewing insurance contracts (deferred acquisition costs, or
DAC).



EFFECT OF FOREIGN CURRENCY ON OPERATING RESULTS^1
(SELECTED PERCENTAGE CHANGES, UNAUDITED)
                                 Including               Excluding

TWELVE MONTHS ENDED DECEMBER 31,  Currency                Currency
2012
                                  Changes                 Changes^2
Premium income                    8.8           %         8.8         %
Net investment income             5.9                     5.9
Total benefits and expenses       9.6                     9.6
Operating earnings                5.1                     4.9
Operating earnings per diluted    5.3                     5.1
share
^1 The numbers in this table are presented on an operating basis, as
previously described.
^2 Amounts excluding currency changes were determined using the same
yen/dollar exchange rate for the current period as the comparable period in
the prior year.

Certain prior period numbers have been restated to reflect the retrospective
adoption of revised accounting guidance  for accounting for costs associated
with acquiring or renewing insurance contracts (deferred acquisition costs, or
DAC).



                          2013 OPERATING EARNINGS PER SHARE SCENARIOS
                         Annual               % Growth       Yen
Average Exchange Rate    Operating            Over 2012      Impact
                         EPS
79.81*                   $  6.86   -  7.06    3.9 - 7.0   %  $ -
85                          6.60   -  6.80    0.0 - 3.0      (.26)
90                          6.37   -  6.57 (3.5)  - (.5)     (.49)
95                          6.17   -  6.37  (6.5) - (3.5)    (.69)
100                         5.99   -  6.19  (9.2) - (6.2)    (.87)

*Actual 2012 weighted-average exchange rate

Certain prior period numbers have been restated to reflect the retrospective
adoption of revised accounting guidance for accounting for costs associated
with acquiring or renewing insurance contracts (deferred acquisition costs, or
DAC).



FORWARD-LOOKING INFORMATION

The Private Securities Litigation Reform Act of 1995 provides a "safe harbor"
to encourage companies to provide prospective information, so long as those
informational statements are identified as forward-looking and are accompanied
by meaningful cautionary statements identifying important factors that could
cause actual results to differ materially from those included in the
forward-looking statements. We desire to take advantage of these provisions.
This document contains cautionary statements identifying important factors
that could cause actual results to differ materially from those projected
herein, and in any other statements made by company officials in
communications with the financial community and contained in documents filed
with the Securities and Exchange Commission (SEC).

Forward-looking statements are not based on historical information and relate
to future operations, strategies, financial results or other developments.
Furthermore, forward-looking information is subject to numerous assumptions,
risks and uncertainties. In particular, statements containing words such as
"expect," "anticipate," "believe," "goal," "objective," "may," "should,"
"estimate," "intends," "projects," "will," "assumes," "potential," "target" or
similar words as well as specific projections of future results,  generally
qualify as forward-looking. Aflac undertakes no obligation to update such
forward-looking statements. We caution readers that the following factors, in
addition to other factors mentioned from time to time, could cause actual
results to differ materially from those contemplated by the forward-looking
statements: difficult conditions in global capital markets and the economy;
governmental actions for the purpose of stabilizing the financial markets;
defaults and credit downgrades of securities in our investment portfolio;
impairment of financial institutions; credit and other risks associated with
Aflac's investment in perpetual securities; differing judgments applied to
investment valuations; significant valuation judgments in determination of
amount of impairments taken on our investments; limited availability of
acceptable yen-denominated investments; concentration of our investments in
any particular single-issuer or sector; concentration of business in Japan;
ongoing changes in our industry; exposure to significant financial and capital
markets risk; fluctuations in foreign currency exchange rates; significant
changes in investment yield rates; deviations in actual experience from
pricing and reserving assumptions; subsidiaries' ability to pay dividends to
Aflac Incorporated; changes in law or regulation by governmental authorities;
ability to attract and retain qualified sales associates and employees;
decreases in our financial strength or debt ratings; ability to continue to
develop and implement improvements in information technology systems; changes
in U.S. and/or Japanese accounting standards; failure to comply with
restrictions on patient privacy and information security; level and outcome of
litigation; ability to effectively manage key executive succession; impact of
the recent earthquake and tsunami natural disaster and related events at the
nuclear plant in Japan and their aftermath; catastrophic events including, but
not necessarily limited to, tornadoes, hurricanes, earthquakes, tsunamis, and
damage incidental to such events; and failure of internal controls or
corporate governance policies and procedures.

(Logo: http://photos.prnewswire.com/prnh/20100423/CL92305LOGO)

Analyst and investor contact – Robin Y. Wilkey, 706.596.3264 or 800.235.2667,
FAX: 706.324.6330 or rwilkey@aflac.com
Media contact – Laura Kane, 706.596.3493, FAX: 706.320.2288, or
lkane@aflac.com



SOURCE Aflac Incorporated

Website: http://www.aflac.com
 
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