A Plan for Your Employees and Business

BUSINESS PLAN
Aflac
1444 S. 17th Street, Wilmington
North Carolina
28401
Office: 910-208-6699
Agent: Nioka Jewett
Executive Summary
The Company
Aflac is a Fortune 500 company, providing financial protection to more than 50 million people
worldwide. When a policyholder or insured gets sick or hurt, Aflac pays cash benefits fairly,
promptly and directly to the insured. For nearly six decades, Aflac voluntary insurance policies
have given policyholders the opportunity to focus on recovery, not financial stress.
The Ownership
The company is structured as a sole proprietorship.
The Management
Our company is made up of a diverse group of people, each person bringing different strengths
that have added to the overall success of our organization. With offices in the U.S. and Japan, it
is important that we attract and retain top talent.
The Goals and Objectives
Since 1995, Aflac has raised and donated more than $100 million to the Aflac Cancer and Blood
Disorders Center of Children’s Healthcare of Atlanta. Much of Aflac’s support comes from its
independent sales agents, who contribute donations from their monthly commission checks, as
well as Aflac employees who contribute each month through payroll deduction.
The Aflac Cancer and Blood Disorders Center is a national leader among childhood cancer,
hematology, and blood and marrow transplant programs, serving infants through young adults.

The Aflac Cancer and Blood Disorders Center is recognized as one of the largest and most
renowned childhood cancer centers in the U.S., annually caring for more than 2,300 children
with cancer and more than 4,200 children with sickle cell disease, hemophilia and other blood
disorders.
Aflac is the No. 1 provider of voluntary insurance at the worksite in the United States.
Aflac is proud to be a founding member of the nonprofit Sustainable Purchasing Leadership
Council (SPLC) whose vision is “... a world where the production, distribution, use and disposal
of goods and services enhance the long-term health and vitality of society, economies and the
planet.” Aflac works with SPLC to apply its principles of leadership in sustainable purchasing:
Understanding environmental, social and economic (ESE) procurement impacts
Committing to Aflac’s responsibility for ESE procurement impacts
Delivering results for improved ESE procurement impacts
Promoting internal and external innovation that advances a positive future in ESE procurement
impacts
Pursuing transparency of information that supports a marketplace of innovation
The goal is to focus on our customers need, in making sure there covered 24 hours a day, seven
days a week in making sure there protected financially in their everyday living needs and not just
medical needs for Major medical bills.
The Product
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.
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 U.S.
Aflac is the No. 1 provider of voluntary insurance at the work site in the United States.*
Your employees depend on having the right benefits. Aflac supplemental insurance lets you offer
your employees more robust coverage at no direct cost to you. Help protect your employees—

and your bottom line—from the rising cost of health care expenses.
About 1 out of 8 people seek medical attention for an injury.1
Accident Insurance
Provide your employees access to Aflac accident insurance that pays cash benefits to help
provide peace of mind during the different stages of accident care and recovery. Benefits can be
used to help pay for emergency treatment, as well as for treatment-related transportation and
lodging.
38% of Americans believe they might never financially recover from a battle with cancer.
Cancer Insurance
Aflac cancer insurance is here to help your employees’ better cope financially—and
emotionally—if a positive diagnosis of cancer ever occurs. That way, you can help your
employees focus on more important things in life–like getting better.
Only 1-in-10 middle-income Americans feel confident in having enough savings to cover family
emergencies.
Critical Illness Insurance
Our critical illness insurance can help with the treatment costs of a serious health event, so
employees can focus on more important things in life–like getting better.
About 2in10 households prefer to buy life insurance through their workplace.
Life Insurance
Most people don’t have enough life insurance. Help your employees provide security for their
loved ones with Aflac term life insurance.
Health insurance premiums for families have increased 80% since 2003.
Hospital Insurance
A trip to the hospital can be a little intimidating. And while we can’t take all the uncertainty out
of the stay, Aflac hospital insurance can help your employees be better prepared for unexpected
hospital expenses not covered by their major medical coverage.
90% of disabilities aren’t work-related and therefore don’t qualify for Workers’ Compensation
benefits.
Short-Term Disability Insurance

Your employees’ income is often their most important financial asset. Aflac shortterm disability
insurance offers income replacement benefits to help with the loss of income due to a covered
illness or injury.
93% of Americans believe good dental care is important to their overall health.
Dental Insurance
It’s no secret that routine dental care contributes to good medical health. Offer Aflac’s flexible
dental insurance, which provides benefits for a variety of services, with no networks,
deductibles, or precertification requirements.
90% of all eye vision injuries could be prevented with simple safety steps like wearing protective
eyewear.
Vision Insurance
Beyond helping maintain healthy vision, eye exams can help spot high blood pressure, diabetes,
high cholesterol, and even brain tumors. The Aflac vision plan encourages employees and their
families to be more proactive about caring for their vision.
The Target Market
Aflac uses the Duck, helps reach out to consumers individually but also the small business,
medium and large to help promote the insurance supplemental needed to complete anyone needs
in everyday living expenses due to care not all covered by major medical insurance. The age
does not matter as long the individual is eighteen and up and understands what it is there buying.
We focus on the needs that the employer thinks is most important in the package and deal with
each policyholder individually. Giving them 100 percent of our time nd filling their claims
ourselves with next day payment if put in buy 3:00pm directly in the claim holders bank account.
Pricing Strategy
We strive to give the best price with groups, making sure the needs are all focussed to what the
individuals need and not what we want them to buy. Prices can be 50 to 60 percent cheaper with
group rates and if payroll deducted the company can save money on payroll taxes along with
serving their employees with our products. Companies can also save on workers compensation
by being able to let them know you provide Aflac to your workers.

Business Plan - Aflac
The Company
Business Sector
The company currently operates in the finance and insurance sector.
Company History
Aflac is a Fortune 500 company, providing financial protection to more than 50 million people
worldwide. When a policyholder or insured gets sick or hurt, Aflac pays cash benefits fairly,
promptly and directly to the insured. For nearly six decades, Aflac voluntary insurance policies
have given policyholders the opportunity to focus on recovery, not financial stress.
Company Goals and Objectives
Since 1995, Aflac has raised and donated more than $100 million to the Aflac Cancer and Blood
Disorders Center of Children’s Healthcare of Atlanta. Much of Aflac’s support comes from its
independent sales agents, who contribute donations from their monthly commission checks, as
well as Aflac employees who contribute each month through payroll deduction.
The Aflac Cancer and Blood Disorders Center is a national leader among childhood cancer,
hematology, and blood and marrow transplant programs, serving infants through young adults.
The Aflac Cancer and Blood Disorders Center is recognized as one of the largest and most
renowned childhood cancer centers in the U.S., annually caring for more than 2,300 children
with cancer and more than 4,200 children with sickle cell disease, hemophilia and other blood
disorders.
Aflac is the No. 1 provider of voluntary insurance at the worksite in the United States.
Aflac is proud to be a founding member of the nonprofit Sustainable Purchasing Leadership
Council (SPLC) whose vision is “... a world where the production, distribution, use and disposal
of goods and services enhance the long-term health and vitality of society, economies and the
planet.” Aflac works with SPLC to apply its principles of leadership in sustainable purchasing:
Understanding environmental, social and economic (ESE) procurement impacts
Committing to Aflac’s responsibility for ESE procurement impacts
Delivering results for improved ESE procurement impacts
Promoting internal and external innovation that advances a positive future in ESE procurement

impacts
Pursuing transparency of information that supports a marketplace of innovation
The goal is to focus on our customers need, in making sure there covered 24 hours a day, seven
days a week in making sure there protected financially in their everyday living needs and not just
medical needs for Major medical bills.
Company Ownership Structure
The company is structured as a sole proprietorship.
Ownership Background
John, Paul and Bill Amos (owner):
1955 – 1969: A Time of Vision
1955
Aflac in the Swift building
American Family Life Insurance Company of Columbus was founded on November 17, when
John, Paul and Bill Amos started in a small six-room complex in downtown Columbus, Georgia.
The company began with just 16 employees and 60 agents. After its first year of operation,
American Family Life Insurance Company had over 6,400 policyholders and $388,000 in assets.
1958
American Family Life pioneered the introduction of a cancer policy after identifying the need to
lift the financial burden of cancer patients and their families.
1964
Aflac office in the 1950s
American Family Life began “cluster selling,” which involved selling our cancer products at the
work site in addition to selling directly to individuals.
The company became American Family Life Assurance Company of Columbus – a name change
that would later set Aflac up for one of the most groundbreaking advertising campaigns in
history.

Company Management Structure
Organizational Timeline
As a leader in the supplemental insurance industry, we are dedicated to the health and well-being
of the people where we serve and the environment. From the materials we use in our daily
operations to the construction and renovation of our facilities, we carefully consider the impact
our actions will have — not only today, but in the years to come.
Although our corporate environmental impact is minimal due to the nature of our business, we’re
always looking for innovative ways to reduce that impact. The Aflac Board of Directors
Sustainability Committee leads our program, which is called Aflac SmartGreen®. The Aflac
SmartGreen® philosophy outlines our corporate commitment to wisely choosing, using and
disposing of the resources we use each day. Our SmartGreen® Initiative can be broken down
into five key areas:
Business Operations
Facilities Management
Waste Management
Employee Engagement
Strategic Sourcing and Procurement
2013
Aflac CEO Dan Amos accepted the “Salute to Greatness” award from the Dr. Martin Luther
King, Jr. Center in Atlanta.
2013
Aflac appeared on Fortune magazine’s list of The World’s Most Admired Companies for the
13th time.
Company Assets
Supplier Diversity Accolades

2014
Georgia Minority Supplier Development Council, in conjunction with Business Radio X,
featured Wassel Lewis in a segment called “Let’s Talk Small Business.”
DiversityBusiness.com awarded Aflac as one of the top 50 organizations for multicultural
business opportunities.
2013
Georgia Small Business Development Council (GSBDC) and the University of Georgia
recognized Aflac for supporting the Georgia Small Business Development Center and
Entrepreneurs in Georgia.
2012
Aflac named to Profiles in Diversity Journal’s “Diversity Leader Award” list for the Aflac Quick
Poll questions posted on the Intranet that allows employees to vote on various topics.
Atlanta Tribune named Aflac’s Eric Seldon one of its “2012 Men of the Year” for his advocacy
of supplier diversity.
2011
Aflac named to Profiles in Diversity Journal’s “Diversity Leader Award” list for advancing
diversity and inclusion by participating in three or more issues of the magazine in 2010.
2010
Professional WOMAN’s Magazine named Aflac as one of the “Top 100 Supplier Diversity
Programs for Women.”
2009
Aflac named to Hispanic Enterprise magazine’s “50 Best Companies for Supplier Diversity.”
2008
Georgia Minority Supplier Development Council, Inc. (GMSDC) named Aflac’s Eric Seldon its
“Executive of the Year.”
Aflac recognized as Georgia Women’s Business Council (GWBC) Golf Tournament Silver
Sponsor.

Aflac named to Hispanic Enterprise magazine’s “50 Best Companies for Supplier Diversity.”
2007
DiversityBusiness.com named Aflac “America’s Top Corporation for Multicultural Business
Opportunities.”
Aflac received the Georgia Minority Supplier Development Council, Inc. (GMSDC) “Spirit of
Alliance Award.”
Greater Columbus Chamber of Commerce and University of Georgia Small Business
Development Center award presented to William Haley for serving as a business mentor.
Aflac recognized as the Silver Sponsor of the Georgia Women’s Business Council’s Ladies
Achieving Continuing Excellence Awards (LACE).
Aflac recognized as the Sliver Sponsor of the Georgia Women’s Business Council’s Power of
Partnering Marketplace.
2006
Aflac received the GMSDC "Spirit of Alliance Award."
Aflac recognized as Georgia Women’s Business Council Power of Partnering Marketplace Silver
Sponsor.
2005
Aflac Chairman and CEO Dan Amos presented a check for $1 million to the Smithsonian
Institute for the building of the new National Museum of African-American History and Culture
in Washington, D.C.
Aflac Incorporated announced a gift of $1 million toward the construction of the national
memorial commemorating the life and work of Dr. Martin Luther King Jr. in Washington, D. C.
The monument was dedicated in 2011.

Aflac named Georgia Women’s Business Council Silver Sponsor Award.
Diversity Champions
2014
Aflac EVP and COO Teresa White named to The Network Journal’s “25 Influential Black
Women in Business” list.
Essence magazine includes Aflac's Teresa White in “The Black Woman's Career Playbook: The
Rules of Engagement.”.
The Product
The Product
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.
customers.
Aflac U.S.
Aflac is the No. 1 provider of voluntary insurance at the work site in the United States.*
Your employees depend on having the right benefits. Aflac supplemental insurance lets you offer
your employees more robust coverage at no direct cost to you. Help protect your employees—
and your bottom line—from the rising cost of health care expenses.
About 1 out of 8 people seek medical attention for an injury.1
Accident Insurance
Provide your employees access to Aflac accident insurance that pays cash benefits to help
provide peace of mind during the different stages of accident care and recovery. Benefits can be
used to help pay for emergency treatment, as well as for treatmentrelated transportation and
lodging.

38% of Americans believe they might never financially recover from a battle with cancer.
Cancer Insurance
Aflac cancer insurance is here to help your employees’ better cope financially—and
emotionally—if a positive diagnosis of cancer ever occurs. That way, you can help your
employees focus on more important things in life–like getting better.
Only 1-in-10 middle-income Americans feel confident in having enough savings to cover family
emergencies.
Critical Illness Insurance
Our critical illness insurance can help with the treatment costs of a serious health event, so
employees can focus on more important things in life–like getting better.
About 2in10 households prefer to buy life insurance through their workplace.
Life Insurance
Most people don’t have enough life insurance. Help your employees provide security for their
loved ones with Aflac term life insurance.
Health insurance premiums for families have increased 80% since 2003.
Hospital Insurance
A trip to the hospital can be a little intimidating. And while we can’t take all the uncertainty out
of the stay, Aflac hospital insurance can help your employees be better prepared for unexpected
hospital expenses not covered by their major medical coverage.
90% of disabilities aren’t work-related and therefore don’t qualify for Workers’ Compensation
benefits.
Short-Term Disability Insurance
Your employees’ income is often their most important financial asset. Aflac shortterm disability
insurance offers income replacement benefits to help with the loss of income due to a covered
illness or injury.
93% of Americans believe good dental care is important to their overall health.
Dental Insurance

It’s no secret that routine dental care contributes to good medical health. Offer Aflac’s flexible
dental insurance, which provides benefits for a variety of services, with no networks,
deductibles, or precertification requirements.
90% of all eye vision injuries could be prevented with simple safety steps like wearing protective
eyewear.
Vision Insurance
Beyond helping maintain healthy vision, eye exams can help spot high blood pressure, diabetes,
high cholesterol, and even brain tumors. The Aflac vision plan encourages employees and their
families to be more proactive about caring for their vision.
It is important to us that you, and our other visitors, have a special experience while using the
Services and that when you use the Services you are fully aware of your respective legal rights
and obligations. For that reason, we have created these Terms as the legally binding terms to
govern your use of the Services. Please read these Terms carefully before using the Services,
because they affect your legal rights and obligations (e.g., requiring arbitration and no class relief
and limiting our liability).
The Aflac Duck crossed international borders when he was introduced to Japan in 2003. Since
then, he has become just as popular as he is in the United States. Aflac Japan creates separate and
unique spin-off characters related to the Aflac Duck to market specific products that suit the
needs of our sales channels and customers alike. By capitalizing on the popularity of the Aflac
Duck, we’ve achieved overall awareness in Japan where more than 9 out of 10 people know the
Aflac brand.
Aflac Duck Milestones
2000
The Aflac Duck campaign debuted with the television commercial “Park Bench.”
2003
The Aflac Duck made his international debut in Japan where he has become one of their favorite
advertising icons.
2004
The Aflac Duck was inducted into the Advertising Walk of Fame.

2005
Aflac changed its logo to include the Aflac Duck.
2011
The Aflac Duck was named to the PR News Public Relations Hall of Fame.
The Aflac Duck debuted in the Macy’s Thanksgiving Parade.
2013
The Aflac Duck became the symbol of Aflac’s new Duckprints campaign designed to raise
money and awareness for childhood cancer.
2014
Aflac’s brand recognition soared in 14 years from 11 percent to 94 percent, ranking it among the
most well-known companies in the world.
As the demographic nature of the United States changes over time, Aflac must change with it.
We must appeal to an ever more diverse set of people.
As Aflac expands its business into diverse communities, our challenge is also to expand the
business opportunities we offer to diverse suppliers. It’s important to understand that the
economic enrichment of these various communities through business development is necessary
to maintain our company’s and our nation’s competitiveness and growth. If we want these
communities to do business with us, we must do business with them.
Aflac is an active participant in initiatives that support the development of minority-, woman-
and veteran-owned business enterprises and their economic development. We maintain corporate
memberships and provide sponsorships to the National Minority Supplier Development Council
(NMSDC), the Georgia Women’s Business Council (Women’s Business Enterprise National
Council [WBENC] affiliate), the Georgia Hispanic Chamber of Commerce (GHCC), the Latin
American Chamber of Commerce (LACC), the U.S. Pan Asian American Chamber of
Commerce (USPAACC) and the National Veteran-Owned Business Association (NaVOBA).
Recognized Certifications
National Minority Supplier Development Council (NMSDC)
Women's Business Enterprise National Council (WBENC)

National Gay & Lesbian Chamber of Commerce (NGLCC)
Veteran-Owned Business Enterprise (VET)
Disabled Veterans Business Enterprises (DVET)
Small Business Administration 8(a) Program [SBA8(a)]
Small Disadvantaged Business Enterprise (SDB)
Disabled Business Enterprises (DIS)
Certifications from federal, state and local government agencies
Aflac Diversity in the News
Aflac Looking for More Female, Minority Suppliers Columbus Ledger-Enquirer — "It’s a $24
million pie. And Aflac says it is looking for more than a few good female and minority suppliers
to earn a slice of that business as it attempts to mirror increasingly diverse U.S. demographics."
Read More...
Aflac's supplier program opens doors to diverse businesses and encourages inclusivity Mother
Nature Network — "Aflac believes that a diverse workplace makes for a stronger company, and
its commitment to including more women and minorities in its own employee ranks extends to
the suppliers it works with. Aflac's supplier diversity program opens doors to diverse businesses
like Edge Solutions, a majority women-owned business that's unique in the male-dominated IT
industry.
Marketing Plan
The Target Market
Aflac uses the Duck, helps reach out to consumers individually but also the small business,
medium and large to help promote the insurance supplemental needed to complete anyone needs
in everyday living expenses due to care not all covered by major medical insurance. The age
does not matter as long the individual is eighteen and up and understands what it is there buying.
We focus on the needs that the employer thinks is most important in the package and deal with
each policyholder individually. Giving them 100 percent of our time nd filling their claims
ourselves with next day payment if put in buy 3:00 pm directly in the claim holders bank
account.
Location Analysis

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.
Established Customers
Aflac has a variatey of companies for instance Capital One, TD Industries, Balfour Beatty
Construction, Nordstrom, Roche Diagnostics Corporation, Bright Horizons Family Solutions,
Accenture, Hasbro, Goldman Sachs Group, Starbucks ,Mars, Mattel, These are some of the
companies that have Aflac along with a huge bit more.
Pricing
We strive to give the best price with groups, making sure the needs are all focussed to what the
individuals need and not what we want them to buy. Prices can be 50 to 60 percent cheaper with
group rates and if payroll deducted the company can save money on payroll taxes along with
serving their employees with our products. Companies can also save on workers compensation
by being able to let them know you provide Aflac to your workers.
Advertising
customers
Protecting against:
Asset loss
Income loss
Supplemental medical expenses
Reaching customers:
At the work site
At home

At retail locations
Insuring:
More than 50 million people and growing.
Operations
Staffing
Product Patents
Effective Date: September 16, 2015
Welcome to an offering of Aflac Incorporated and the Aflac group of insurance companies,
including American Family Life Assurance Company of Columbus, its wholly owned subsidiary,
American Family Life Assurance Company of New York, and Continental American Insurance
Company (“CAIC”) (the Aflac group of insurance companies are collectively, “Aflac,” “we,”
our” or “us”). The aforementioned Aflac companies are separate legal entities. These Terms of
Use (“Terms”) apply to (1) your use of the websites which are located at the domains
www.aflac.com, www.aflacgroupinsurance.com, www.aflacny.com, and
https://phs.aflac.com/aflac.phs.app/account/login, our mobile websites, and other applications
(the “Site”), and (2) our offline services and tools, including call centers, offline enrollment
tools, surveys, and other applications (“Offline Services”). The Site and Offline Services are
collectively referred to in this policy as the “Services.” The Services are owned and operated by
Aflac. Thank you for learning more about Aflac!
Aflac Agents Nioka Jewett & Quentin Gore
Office Number
910-208-6699
Personal Number
Nioka Jewett
910-442-7697
Quentin Gore
910-352-6684

A Plan for Your Employees and Business

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