Annual Report for 2004 Aflac
Financial Highlights
Our Mission and Philosophy
Cover Story
Composition of Aflac's Market in Japan and the United States
Message from Management
Q & A with the CEO
Aflac Japan
Aflac U.S.
Selected Financial Data
Management's Discussion and Analysis
Consolidated Financial Statements
Notes to the Consolidated Financial Statements
Investor Information
Board of Directors and Management
Aflac Duck
Contact Information

Aflac Incorporated
Worldwide Headquarters
1932 Wynnton Road
Columbus, Georgia 31999

Aflac Japan
Shinjuku Mitsui Bldg.
2-1-1, Nishishinjuku, Shinjuku-ku,
Tokyo, 163-0456, Japan

Independent Registered
Public Accountants

303 Peachtree Street, N.E.
Suite 2000
Atlanta, Georgia 30308

Synovus Trust Company
P.O. Box 23024
Columbus, Georgia 31902-3024

Legal Counsel
Skadden, Arps, Slate,
Meagher & Flom LLP
New York, New York 10036

Stock Transfer Agent
Aflac Incorporated
Shareholder Services Dept.
Columbus, Georgia 31999
800.235.2667 - option 2
or 706.596.3581
Fax: 706.596.3488

Annual Meeting
Aflac Incorporated’s annual
meeting of shareholders will be
held at 10 a.m. on May 2, 2005,
at the Columbus Museum,
1251 Wynnton Road,
Columbus, Georgia.

Customer Service
Policyholders and claimants needing assistance may call 800.992.3522. Sales associates may call 800.462.3522.

Shareholder Inquiries
Communication regarding stock purchase plans, dividends, lost stock certificates, etc., should be directed to the Shareholder Services Department at 800.235.2667 - option 2.

Form 10-K
We have included as Exhibit 31 to our Annual Report to the Securities and Exchange Commission (Form 10-K) certificates of the CEO and CFO of the Company certifying the quality of the Company's public disclosure. Copies of Aflac Incorporated's Form 10-K can be obtained free of charge by calling the Investor Relations Department at 800.235.2667 - option 3.

New York Stock Exchange Certification
The Company has submitted to the NYSE a certificate of the CEO certifying that he is not aware of any violation by the Company of NYSE corporate governance listing standards.

For more information concerning the company, please contact:
Kenneth S. Janke Jr.
Sr. V.P., Investor Relations
800.235.2667 - option 3
or 706.596.3264
Fax: 706.324.6330

In Japan contact:
Hisayuki Shinkai
Investor Relations Support Office
Shinjuku Mitsui Bldg.,
2-1-1, Nishishinjuku, Shinjuku-ku,
Tokyo, 163-0456, Japan