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
Our Mission and Philosophy
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Our Philosophy

We understand that life happens when you're not looking. Challenging and unexpected life events occur on a timetable of their own, not one we can choose. We also understand that life can get complicated. Our goal is to keep it simple: to move at the speed of life to help policyholders handle the twists and turns life presents.

We're committed to the "now" by providing policyholders with the immediate peace of mind that comes from knowing they are prepared for whatever life may bring. While other insurance companies promise future solutions, we recognize that getting through today is what matters most during a stressful health event.

Our Mission

We're a community of thousands with a focused mission: To fill vital gaps, provide peace of mind, and reduce financial burdens for our policyholders during times of medical distress so they can focus on recovery rather than monetary issues. We do this by offering affordable policies that provide cash directly to help consumers pay out-of-pocket expenses arising from illnesses or accidents. When policyholders become claimants, we process their claims quickly and fairly. We stay in tune with what our customers want by offering valuable products at affordable prices with superior claims service. Each year, we refine and create products, expand our sales force, and use technology to the fullest to better serve our customers. We don't wait for change; we create it.

Aflac is the number one provider of guaranteed-renewable insurance in the United States and the number one insurance company in terms of individual insurance policies in force in Japan. Aflac is rated "AA" by Standard & Poor's, "Aa2 (Excellent)" by Moody's, and "AA" by Fitch Ratings for financial strength. A.M. Best rates Aflac as "A+ (Superior)" for financial strength and operating performance.

In January 2005, Aflac was included in Fortune magazine's list of the "100 Best Companies to Work For in America" for the seventh consecutive year. Aflac has also been included in Forbes magazine's "Platinum 400 List of America's Best Big Companies" for five consecutive years and in Fortune magazine's listing of "America's Most Admired Companies" for five consecutive years. Aflac Incorporated is a Fortune 500 company listed on the New York Stock Exchange under the symbol AFL.

Annual Cash Dividends Per Share chart

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