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AFLAC INCORPORATED 2014 YEAR IN REVIEW

The Importance of Aflac’s Trusted Brand

Aflac has been, and continues to be, a trusted brand in Japan. We have been able to

leverage our brand through innovative advertising campaigns in our efforts to drive

sales. Our advertising stands out in what has become an increasingly crowded and

competitive market, especially within the medical insurance arena. In 2003, Aflac

Japan began using the Aflac Duck, and its popularity continues to resonate with

consumers today.

Aflac Japan continues to create separate and unique spin-off characters

related to the Aflac Duck to market specific products and help drive sales. Most

recently, we introduced an advertising campaign in Japan featuring a new character

called “Hajimete,” or “Pioneer,” Duck to promote New Cancer DAYS, our most recent

product offering. This character was developed to remind customers that Aflac was

the “pioneer” of cancer insurance in Japan. This campaign follows several years of

success with other characters created to promote Aflac Japan-specific products. In

2009, the first character combined the Aflac Duck with the traditional Japanese cat

character called Maneki Neko to promote a new medical product.

Aflac Japan created “

Hajimete

,”

or “

Pioneer

,” Duck to promote our

New Cancer DAYS product. This

character reminds customers that

Aflac was the pioneer of cancer

insurance in Japan.

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