Press Releases
AFLAC Incorporated to Present at Merrill Lynch Insurance Investor Conference

COLUMBUS, Ga., Feb 23, 2004 /PRNewswire-FirstCall via COMTEX/ -- AFLAC Incorporated announced today that it will make a presentation at the Merrill Lynch Insurance Investors Conference. Mr. Daniel P. Amos, chairman and chief executive officer, will represent AFLAC Incorporated and is scheduled to speak at 8:50 a.m. EST on February 25, 2004.

Mr. Amos' presentation will be Webcast live at the following web address: http://www.wallstreetwebcasting.com/webcast/ml21/afl/

During the AFLAC Incorporated presentation, Mr. Amos will discuss on the company's outlook for 2004 and its strategy for growth in the U.S. and Japanese insurance markets.

AFLAC Incorporated (NYSE: AFL) is an international holding company. A Fortune 500(R) company, AFLAC insures more than 40 million people worldwide. It is a leading writer of insurance products marketed at the worksite in the United States, offering policies to employees at more than 288,100 payroll accounts. The company insures one out of four Japanese households and is the largest life insurer in Japan in terms of individual policies in force. In March 2003, Fortune magazine included AFLAC in its annual listing of "America's Most Admired Companies." In July 2003, Fortune named AFLAC to its list of "America's 50 Best Companies for Minorities." In January 2004, AFLAC was included in Fortune magazine's list of "The 100 Best Companies to Work for" for the sixth consecutive year. Also in January 2004, AFLAC was named to Forbes magazine's "Platinum 400 List of Best Big Companies in America" for the fifth consecutive year. AFLAC's Internet address is aflac.com.

Analyst and investor contact -- Kenneth S. Janke Jr., (800) 235-2667 - option 3, FAX: (706) 324-6330, or kjanke@aflac.com

Media contact -- Laura Kane, (706) 596-3493, FAX: (706) 320-2288, or lkane@aflac.com

SOURCE AFLAC Incorporated

Analysts and Investors, Kenneth S. Janke Jr., +1-800-235-2667,
option 3, or fax, +1-706-324-6330, or kjanke@aflac.com, or Media, Laura Kane,
+1-706-596-3493, or fax, +1-706-320-2288, or lkane@aflac.com, both of AFLAC
Incorporated

 For Business, National and       International media.
 For Trade and regional       press inquiries.
 For General inquiries.
Contact:
Laura Kane
Vice President
External Relations
Aflac incorporated
at 1-706-596-3493.
or
Jon Sullivan
Executive Publicist
External Communications
Aflac incorporated
at 1-706-763-4813.