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Our Company

Since the founding of our company in 1955, we've put the customer first by reminding ourselves daily of the promises we've made to those we insure. By doing so, we've gained the trust of more than 50 million people who count on us to pay claims fairly and promptly when they need us most. Our customers choose Aflac because of our commitment to providing them with the confidence that comes from knowing they have assistance in being prepared for whatever life may bring.

Our Business Operations & Strategy

Our strategy for growth in the United States and Japan has remained straightforward and consistent for many years: Aflac develops relevant voluntary insurance products and sells them through expanded distribution channels.

Relevant Products

Protecting against:

  • Asset loss
  • Income loss
  • Supplemental medical expenses
Expanded Distribution Channels

Reaching customers:

  • At the work site
  • At home
  • At retail locations
New Accounts & Customers

Insuring:

  • More than 50 million people and growing

Aflac is made up of thousands of people whose actions are dedicated to providing exemplary service and solutions for businesses and individuals. It’s important that we accomplish this by staying true to our values and our culture, which embody something we call “The Aflac Way.” Each day, we work to advance our straightforward, time-tested strategy to ensure we protect our customers.

Aflac does business in the two largest insurance markets in the world, the United States and Japan, and our policies cover more than 50 million people worldwide. For nearly six decades, our strategy for growth in these segments has remained straightforward and consistent – develop relevant voluntary insurance products and sell them through expanded distribution channels.

Aflac U.S.

Aflac is the No. 1 provider of voluntary insurance at the work site in the United States.*

Income-Loss Protection

  • Short-Term Disability**
  • Life (term, whole)***

Asset-Loss Protection

  • Accident***
  • Cancer**
  • Critical Illness***
  • Hospital Intensive Care**

Supplemental Medical

  • Hospital Indemnity***
  • Dental***
  • Vision**

*Source: Eastbridge Consulting Group, Inc. U.S. Worksite/Voluntary Sales Report. Carrier Results for 2012. Avon, CT: April 2013
**Available as individual product only
***Available in both individual and group products. Benefits of group and individual products may vary.

Aflac Japan

Aflac is the No. 1 life insurance company in terms of the number of individual insurance policies in force in Japan.

First Sector Products

Life insurance products, including:

  • Life (term, whole, hybrid)
  • Child Endowment
  • Fixed Annuity

Third Sector Products

Supplemental insurance products, including:

  • Cancer
  • Medical

Insurer Financial Strength Ratings

Date Published

Rating Agency

IFS Rating

Outlook

June 2, 2015

A.M. Best

A+

Stable

June 30, 2014

Standard & Poor’s

AA-

Negative

March 20, 2015

Moody’s

Aa3

Stable

January 21, 2015

Rating and Investment
Information (R&I)

AA-

Stable