Aflac Incorporated (Aflac) is a general business holding company and acts as a management company, overseeing the operations of its subsidiaries by providing management services and making capital available. The Company’s principal business is supplemental health and life insurance, which is marketed and administered through its subsidiary, American Family Life Assurance Company of Columbus (Aflac), which operates in the United States and as a branch in Japan. Its insurance operations in the United States and its branch in Japan service the two markets for its insurance business. Aflac United States markets and administers group products and sells insurance products including designed to protect individuals from depletion of assets and loss-of-income products. Aflac Japan sells insurance products, including cancer plans, general medical indemnity plans, medical/sickness riders, care plans, living benefit life plans, ordinary life insurance plans and annuities.

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