AFLAC INCORPORATED
Annual Report for 2001

Financial Highlights
Message from Management
AFLAC Japan
Management's Discussion & Analysis
Glossary & Investor Information

AFLAC's Mission
Interview with CEO
AFLAC U.S.
Financials & Footnotes
Board & Management
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  AFLAC's Mission   page 1 of 2  
 

       AFLAC insures more than 40 million people in the United States and Japan. We are a leading provider of individual insurance policies at the worksite in the United States. We are also the largest foreign life insurance company in Japan in terms of profits. AFLAC insures one out of every four Japanese households.

       Our mission is to provide the best supplemental insurance value in the marketplace. AFLAC's products are designed to help consumers pay out-of-pocket expenses associated with illnesses or injuries. Such expenses could include copayments, deductibles, and other medical expenses. In addition, our policies help pay nonmedical expenses such as child care, travel, and lost wages.

       Marketing at the worksite provides AFLAC with an effective and efficient way to sell its products. Employers like being able to offer additional benefits to their workers. And employees like the convenience of paying premiums via payroll deduction. That's why many employees in the United States and Japan ask about AFLAC at work.

       AFLAC Incorporated, a Fortune 500 company, is traded on the New York Stock Exchange under the symbol "AFL" and is included in the Standard & Poor's 500 Index. In January 2002, AFLAC was the number one insurance company in Fortune magazine's annual listing of "The 100 Best Places to Work for in America" and was included in the overall listing for the fourth year in a row. In February 2002, Forbes ranked AFLAC 112th in its "Platinum 400" list of "America's Best Big Companies." We were also included in Fortune's March 2002 list of the most admired insurance companies. AFLAC is rated "AA" by Standard & Poor's and "Aa3" by Moody's for financial strength. Fitch Ratings also rates AFLAC "AA" for financial strength. A.M. Best assigns AFLAC an "A+, Superior" rating for financial strength and operating performance.

  AFLAC Sales Associates and Employees
AFLAC sales associates Trip Reynolds, Lisa Miller and Cameron Michels (in front) work each day with AFLAC employees(several of whom are pictured in the background) to provide the best possible service to our customers. AFLAC has more than 43,000 sales associates in the United States and more than 52,000 sales associates in Japan. Our workforce, meanwhile, has grown from 4,200 full-time employees in 1995 to more than 5,700 at the end of 2001.
 
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