AFLAC INC

Aflac Incorporated provides financial protection through supplemental health and life insurance products to millions of policyholders and customers in Japan and the United States. The company's principal business is to offer supplemental insurance products designed to provide cash benefits for eligible claims when a policyholder or insured becomes sick or injured. Aflac has a 70-year history in the supplemental insurance market. The company is authorized to conduct insurance business in all 50 U.S. states, the District of Columbia, several U.S. territories, and Japan. Aflac's growth strategy in both Japan and the U.S. focuses on developing supplemental health insurance products that offer financial protection against increasing out-of-pocket medical expenses not covered by primary insurance. Additionally, the company provides a range of other voluntary and employer-paid health and life insurance products. Aflac aims to reach customers through various sales channels, including agents, brokers, distribution partners, or direct sales. The Aflac Duck is featured in its marketing campaigns to promote its insurance products. In 1999, the company's brand awareness was approximately 10%.