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 U.S. insures employees at more than 200,000 worksites in the United States.  
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  Photo of Cincinnati Sub-Zero employees
Cincinnati Sub-Zero employees Amanda Meadors and Sheila Reed pack disposable medical hyper/hypothermia blankets at the companies Cincinnati plant. The blankets help maintain a patient's body temperature during surgical procedures. Cincinnati Sub-Zero, an AFLAC payroll account with 220 employees, began as a distributor of DeepFreeze brand freezers in 1940. It now offers a variety of medical and industrial products, and it also recently acquired a new company that designs and manufuactures products for the postal and food industries. Cincinnati Sub-Zero is just one of the worksites that is part of the vast small-business market in the United States.		  

AFLAC U.S. — A Year of Record Success

       2001 was a record year for AFLAC U.S. by every measure. Our sales soared to an all-time high. We recruited a record number of sales associates. And our name recognition climbed to new heights. Those records reflect our success at marketing our products at worksites throughout the United States. Most important, our financial results kept pace with our marketing success, setting records as well. Following are some highlights for the year.

  • New annualized premium sales increased 29.1% to $919 million, compared with $712 million in 2000.

  • Premium income rose 18.6% to $1.8 billion, up from $1.6 billion in 2000.

  • Net investment income increased 9.6% to $303 million, compared with $277 million in 2000.

  • Total revenues were up 17.4%, rising from $1.8 billion in 2000 to $2.2 billion in 2001.

  • Pretax operating earnings grew 18.7% to $345 million, compared with $290 million in 2000.
  
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