AFL

AFLAC Inc. is a leading provider of supplemental health and life insurance in the United States and Japan, helping policyholders pay out-of-pocket medical expenses not covered by major medical insurance. The company sells voluntary insurance policies through workplace enrollment, covering cancer, accident, short-term disability, hospital indemnity, dental, vision, and life insurance. AFLAC's products provide cash benefits directly to policyholders to cover expenses like deductibles, copayments, living expenses, and treatments during illness or injury. The company operates primarily in Japan and the United States, with Japan representing a significant portion of revenues. AFLAC distributes products through independent agents, brokers, and worksite marketing. Founded in 1955 and headquartered in Columbus, Georgia, AFLAC has built one of the most recognized brands in insurance through its iconic duck marketing campaign. The company benefits from aging populations, rising healthcare costs, and gaps in traditional medical coverage. AFLAC emphasizes technology integration, digital enrollment, and customer service while maintaining financial strength, dividend growth, and shareholder-friendly capital management.