Aflac Incorporated :


Is the largest provider of supplemental insurance in the United States,founded in 1955 and based in Columbus, Georgia. In the United States, Aflac underwrites a wide range of insurance policies, but is perhaps more known for its payroll deduction insurance coverage, which pays cash benefits when a policyholder has a covered accident or illness. The company states it insures "one of four Japanese households" and is "the largest life insurer in Japan in terms of individual insurance policies in force". Aflac is also well known for its supplemental medical policies.


Aflac currently is the number one supplemental health provider in the U.S., followed closely by Allstate Workplace Division. However, its market share is higher than its next four competitors combined. Aflac has a field force of over 72,500 agents in the U.S. In 2009, Aflac acquired Continental American Insurance Company to expand its coverage beyond voluntary benefits alone.


The company was founded by three brothers in Columbus, Georgia, in 1955, as American Family Life Insurance Company of Columbus. In 1964, the company name was changed to American Family Life Assurance Company of Columbus.

The company, in 1990, adopted the Aflac initials, although the official name of the underwriting subsidiary remains American Family Life Assurance Company of Columbus.

Aflac At a Glance:

  • Brothers John, Paul, and Bill Amos founded Aflac in 1955.
  • Aflac is a Fortune 500 company.
  • Aflac Incorporated is an international holding company based in Columbus, Georgia.
  • Aflac introduced one of the world's first cancer expense insurance policies in 1958.
  • Since the 1980s, Aflac has added many new insurance policies, including accident, short-term disability, hospital intensive care, hospital confinement indemnity, lump sum cancer, lump sum critical illness, specified health event, life, dental, and vision.
  • Aflac has the largest on-site child-care facilities in Georgia: Imagination Station and Imagination Station Too. Together, the facilities have capacity for 621 children.

       Business Statistics:

  • Aflac has a presence in all 50 United States and in Guam, Puerto Rico, and the Virgin Islands.
  • Aflac has more than 70,000 licensed agents. (Aflac Annual Report for 2011).
  • Aflac insures more than 50 million people worldwide. (Aflac Annual Report for 2011).
  • Assets at year-end 2011 totaled more than $117 billion with annual revenues of more than $22.2 billion

Our Phnilosophy

To combine innovative strategic marketing with quality products and services at competitive prices to provide the best insurance value for consumers.

Guiding Principals

  • Offer quality products and services at competitive prices and use new technology to better serve our policyholders.
  • Build better value for our shareholders.
  • Supply quality service for our agents.
  • Provide an enriching and rewarding workplace for our employees.



Aflac operates in the United States and Japan, and has its worldwide headquarters and corporate offices in an eighteen story tower just east of Downtown Columbus, Georgia in an area known as MidTown. The Aflac tower is the tallest building in the city.At the end of 2009, the corporation's total assets were more than $84 billion, and the company insured more than 60 million people worldwide.


Aflac is the largest provider of guaranteed-renewable insurance in the United States and the largest insurance company overall in Japan, when measured by individual insurance policies in force.Aflac launched a campaign in 2001 to promote their first accident policy in Japan, which The Wall Street Journal rated as one of the "ten most effective campaigns of 2000."


The company now offers several types of insurance policies in the United States, including the following:

  • Accident
  • Cancer/Specified Disease
  • Dental
  • Hospital Confinement Indemnity
  • Hospital Confinement Sickness Indemnity
  • Hospital Intensive Care
  • Life
  • Lump Sum Cancer
  • Lump Sum Cancer Critical Illness
  • Specified Health Event
  • Short Term Disability
  • Vision

Aflac also offers un-reimbursed medical, dependent day-care, and transportation flexible spending accounts. The company also offers human resources services for HIPAA and COBRA administration. From 1979 to 1997, the company owned several television stations, most of them in small and medium markets. It sold the broadcasting division to what became Raycom Media in 1997.