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25

AFLAC U.S.

Innovative Aflac Products Help Protect Consumers from Financial Burdens

Offering competitive and valued products has long been one of Aflac’s strengths.

Aflac policies provide cash benefits that can be used to help consumers cope

with out-of-pocket medical expenses, help cover household costs, or protect

against income and asset loss. We believe our portfolio of individual and group

products provides consumers with outstanding value while offering businesses the

opportunity to give their employees a valuable and comprehensive selection of

benefit solutions. We are focused on providing valuable, cost-effective products to

employees at businesses of all sizes.

In 2014, we sought creative solutions to the challenges consumers face by

introducing revised policies on both an individual and group basis. Among these,

we introduced a revised critical care and protection plan, a new guaranteed-issue

term-life product and a critical care rider that provides various benefits and can be

attached to three different stand-alone policies.

Hammie Ward III

, Aflac agent (

left

), and

Lauren Baker, D.C.

, licensed chiropractor,

have developed a long-lasting friendship

that illuminates the unique bonds that

form between Aflac agents and our policy-

holders. After being referred to Lauren’s

chiropractic office in early 2014, Hammie

and Lauren have established a profes-

sional relationship where they often refer

business to one another.

When Hammie became an Aflac agent

in 2004, he thought that he would only

be in the profession for a year. Ten years

later, being an Aflac agent has meant

more to him than just opportunity – it has

meant being a part of a supportive team

that has aided in his growth both profes-

sionally and personally. “When you love

what you do time flies by,” says Hammie.

“Aflac provides all of the support, tools and

training needed for you to be successful

and rewards you for your effort. You are

surrounded by an environment where you

feel appreciated and there are no limits to

your success.”

After hearing her mother discuss the

benefitsofhavingAflacwhenshereceived

cash benefits from an accident and yearly

exams, Lauren became a policyholder

herself. “Thanks to Aflac, my mom now

remembers her checkups and it serves as

an incentive for her to go,” says Lauren.

“As a wellness and prevention advocate,

I believe wellness and prevention are

key to preventing sickness and disease

as well as improving the livelihood of

my patients. I have encouraged many of

my patients to get Aflac and have even

helped them fill out their claims forms. I

enjoy the fact that Aflac pays benefits for

these features and amproud to offer Aflac

products to my employees.”