About AFLAC  Aflac is a leading provider of insurance sold on a voluntary basis at the worksite in the United States and the largest foreign insurer in Japan.
Insuring more than 40 million people worldwide, Aflac is the principal subsidiary of Aflac Incorporated, an international holding company based in Georgia. At year-end 2003, the corporation’s total assets were more than $50 billion, with annual revenues of more than $11.4 billion. A Fortune 500 company, Aflac is a world leader in guaranteed-renewable insurance, offering policies to employees at more than 313,000 payroll accounts.  In March 2004, Fortune magazine named Aflac to its list of “America’s Most Admired Companies” in the life and health insurance industry.
Aflac Facts - Aflac or its affiliates are licensed to do business in all 50 states as well as in Puerto Rico and the Virgin Islands.
- Aflac offers a broad line of insurance products to more than 313,000 U.S. payroll accounts.
- Aflac insures more than 40 million people worldwide
Company Information Brothers John, Paul, and Bill Amos founded Aflac in 1955. - Aflac stands for American Family Life Assurance Company of Columbus.
- Aflac is a Fortune 500 company.
- Aflac Incorporated is an international holding company based in Columbus, Georgia.
- Aflac introduced its first cancer expense policy in 1958.
- Since the 1980s, Aflac has added coverage offerings such as accident/disability, short-term disability, hospital intensive care, hospital confinement indemnity, long-term care, specified health event, life, and dental.
AFLAC is Growing - Aflac or its affiliates are licensed to do business in all 50 states as well as in Puerto Rico and the Virgin Islands.
- Aflac has more than 56,000 licensed agents.
- Aflac offers a broad line of insurance products to more than 313,000 U.S. payroll groups.
- Aflac insures more than 40 million people worldwide.
- Assets at year-end 2003 totaled more than $50 billion with annual revenues of more than $11.4 billion.
- Aflac has received an “A+ (Superior)” rating from A.M. Best (June 2004).
- Aflac is a component of the Standard & Poor’s 500 Index.
- Aflac pays most claims within four days.
- Aflac is the top underwriter of individual insurance policies in Japan. In fact, we are the third most profitable foreign company operating in Japan (Teikoku Data Bank).
- Approximately 12.8 million (one out of four) Japanese households are insured by Aflac Japan.
- Weekly Economist magazine again ranked Aflac Japan number one on its list of “The Most Reliable Insurance Companies” in Japan (June 2004).
AFLAC in the Community  - In December 2001, Aflac pledged $10 million to the Aflac Cancer Center and Blood Disorders Service at Children’s Healthcare of Atlanta.
- Aflac pledged $3 million in 1995 to establish the Aflac Cancer Center at Egleston Children’s Hospital. (In 1999, Egleston Children’s Hospital merged with Scottish Rite Children’s Hospital to form Children’s Healthcare of Atlanta, the nation’s second-largest children's hospital.)
- In 1995, Aflac committed $2 million to the American Red Cross to establish Corporate America’s Helping Hands Fund for relief from the Kobe, Japan, earthquake.
- In 1997, Aflac committed $1.5 million to establish the Aflac Chair for Cancer Research at USC/Norris Comprehensive Cancer Center in Los Angeles.
- In 2001, Aflac committed $1,000 to each family of the police officers, firefighters, or emergency medical technicians killed in the attacks on New York City and Washington.
- The Aflac sales force’s support of the Aflac Cancer Center at Children’s Healthcare of Atlanta has reached $5 million since its inception.
AFLAC's Achievements - Named on Fortune magazine’s list of “America’s Most Admired Companies” for the fourth consecutive year (March 2004).
- Ranked Number 41 by BusinessWeek magazine on its 2003 “Performance Rankings of the S&P 500” list (March 2003).
- Ranked Number 120 by BusinessWeek on the Global 1000 list of top companies (July 2003).
- Included in Forbes magazine’s annual Platinum 400 List of “America’s Best Big Companies” (January 2004).
- Named the number one provider of individual health insurance and guaranteed-renewable insurance (National Underwriter, “Life & Health Statistical Report,” August 16, 2004).
- Rated “AA” in insurer financial strength by Standard & Poor’s (April 2004).*
- Rated “A+ (Superior)” by the A.M. Best Company Report (June 2004).
**Ratings refer only to the overall financial status of Aflac and are not recommendations of specific policy provisions, rates, or practices. WHY AFLAC MAKES SENSE Is the role of independent sales associate right for you? Ask yourself the following questions: - Are you making the money you deserve to be making?
- Are you tired of working hard for someone else’s benefit?
- Are your efforts paying off the way you want—the way you expect?
- Are you just treading water in your career?
Aflac’s business begins with the people who make up our sales force. We now have more than 56,000 licensed independent sales associates and brokers, and our sales force continues to grow. Our sales associates don’t just sell insurance. They listen to customers, help assess their needs, and help them select the appropriate coverages. We continue to develop our products and services in response to customer needs. At Aflac, we’ll give you the opportunity to manage your own time and schedule, in a position with an earning potential of more than $100,000 annually, not including the incentives, stock bonus, and excellent support structure we have in place for our sales associates. For more information on becoming an independent agent, simply complete an online interest form, view our presentation on Why Aflac Makes Sense, or call 1-800-488-1771. Once your application is accepted, you are eligible to participate in our specialized programs for sales associates, including orientation, training, and certifications to ensure that all associates are well-versed in Aflac’s products and services. Selling Aflac insurance gives you the freedom to manage yourself and your career, to set your own pace and schedule, and to have the opportunity to earn great commissions. Additionally, sales associates are eligible for many incentives and prizes. While our sales associates are independent contractors, they are by no means on their own. In addition to our compensation and benefits packages, Aflac provides a wide variety of tools, training, and collateral materials to support our associates. BENEFITS FOR SALES ASSOCIATES Aflac sales associates enjoy these benefits: - First-year commissions are paid in advance during the first policy year or as you earn them.
- Renewal commissions are paid beginning the second policy year (in accordance with the terms of your agreement).
- Aflac’s stock bonus program allows career associates to participate in the company’s growth, profitability, and success as stockholders.
- Aflac’s Associate Bonus Club (ABC) rewards associates for recruiting new members to the field force.
- Aflac associates have the opportunity to join the National Association of Professional Agents (NAPA).
Compensation and Benefits for Aflac Sales Associates* In addition to commissions and Aflac’s associate stock bonus program, Aflac offers a number of special recognitions and awards to associates to help motivate them to achieve and exceed production goals. Rewards include cash bonuses, prizes, and trips. First-Year and Renewal Commissions. First-year commissions are awarded for each policy sold by our sales associates. First-year commissions can be paid in advance or as earned. Renewal commissions are awarded for each policy renewed. Stock Bonus Program. Our stock bonus plan lets all associates share in Aflac’s success, and no contribution is required from sales associates participating in the program. Aflac associates are automatic participants beginning with the first month of service; bonuses are paid when a policyholder pays the thirteenth month’s premium and will be calculated as a percent of annualized premium. Dividends can be reinvested in Aflac stock (AFL) or paid directly to associates. Benefits. When you join Aflac, you have the opportunity to join the National Association of Professional Agents (NAPA). As an Aflac sales associate, you can receive insurance coverage for yourself and your family through NAPA, including health, guaranteed-issue life, dental, and errors and omissions, in addition to other discount services and benefits. *See Associate’s Agreement for further details. Aflac’s sales associates do more than just sell insurance. Our agents act as ambassadors for the company, introducing Aflac to new customers, maintaining relationships with existing customers, and keeping us abreast of customer needs. At Aflac, we do everything we can to assist our associates, from professional training by the best in the business to top-notch electronic selling tools and marketing materials. One of the most valuable tools our sales associates have is Aflac’s brand visibility. Our national advertising campaign adds to associates’ credibility and lays the groundwork for enhancing customer confidence. Aflac offers its associates the following support tools: - State-of-the-art technological support and electronic selling tools
- Associate customer service toll-free numbers
- Professional orientation, training, and certifications
- Professional field-marketing materials
- Sales leads
- Aflac Magazine and associate newsletters
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