COLUMBUS, Ga., Nov 24, 2004 /PRNewswire-FirstCall via COMTEX/ -- AFLAC Incorporated announced today that it will make a presentation at the Friedman Billings Ramsey 11th Annual Investor Conference. Mr. Kriss Cloninger III, President and CFO, will represent AFLAC Incorporated and is scheduled to speak at 1:00 p.m. on December 1, 2004.

Mr. Cloninger's presentation will be Webcast live at the following web address: http://wsw.com/webcast/fbr7/afl

During the AFLAC Incorporated presentation, Mr. Cloninger will discuss the company's outlook 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 312,900 payroll accounts. The company insures one out of four Japanese households and is the largest life insurer in Japan in terms of individual insurance policies in force. In January 2004, AFLAC was included in Fortune magazine's list of "The 100 Best Companies to Work For in America" 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. In March 2004, Fortune magazine included AFLAC in its annual listing of "America's Most Admired Companies." 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