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
Cover Story
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Moving at the speed of life

Moving at the speed of life, policyholders Norman and Barbara Locke, of Cheswick, Pennsylvania (pictured on the cover and under Financial Highlights), live each moment to its fullest. In July 2003, the Lockes transitioned from policyholders to claimants when, while on a motorcycle sightseeing tour, the husband-and-wife team suffered severe injuries. Unable to return to work for six weeks, Norman was concerned about costly medical bills and travel expenses. "He was worried about the reduction in our income," said Barbara. "But our Aflac policy was truly a blessing. The benefits we received enabled him to concern himself with healing rather than focusing on our financial situation." Barbara went on to say, "I am very happy that I applied for the accident policy. It's not something I want to use ever again, but I am very glad to know I have it."

An experience like the Lockes' demonstrates that the speed of life can be rapid or slow — but when a "now" moment arises, our policyholders will have peace of mind knowing that Aflac will be there just as we promised.

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