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AFLAC Chairman Paul S. Amos, left, and President and Chief Executive Officer Daniel P. Amos

2000 was a tremendous year for AFLAC. Sales rose to record levels. Revenues were also at an all-time high. Most importantly, we achieved our earnings per share target for the 11th year in a row. There are many reasons for our lengthy record of success. Distribution, technology and brand awareness have contributed to our growth. But ultimately, our success is derived from providing our customers with the affordable protection they need.

AFLAC's products offer valuable coverage to consumers in the United States and Japan. Aging populations and rising medical costs have heightened the need for supplemental insurance. In the United States, millions of people need broader coverage than the insurance their employers provide. In Japan, businesses and consumers are struggling with the effects of a decade-long economic malaise. American and Japanese consumers alike are looking for ways to help protect their savings from the effects of a serious illness or accident. For them, supplemental insurance has become an essential part of their health care coverage. That's why we say, "AFLAC - Without it, no insurance is complete."

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