Aflac’s 2014 Year in Review

Aflac Worldwide Headquarters

1932 Wynnton Rd.

Columbus, GA 31999

tel: 706.323.3431

aflac.com

Shareholders

in the U.S. with

questions about individual

stock accounts

Shareholder Services

tel: 706.596.3581 or 800.227.4756

Email:

shareholder@aflac.com

Institutional investors

with

questions about the company

Robin Y. Wilkey

Senior Vice President,

Investor and Rating Agency Relations

tel: 706.596.3264 or 800.235.2667

David A. Young

Second Vice President,

Investor and Rating Agency Relations

tel: 706.596.3264 or 800.235.2667

Rating agencies

with questions

about the company

Delia H. Moore

Director,

Rating Agency and Investor Relations

tel: 706.596.3264 or 800.235.2667

Individual/retail shareholders

with questions about the

company

Daniel A. Bellware

Senior Manager,

Investor Relations

tel: 706.596.3264 or 800.235.2667

Information requests

such as

Form 10-K, quarterly earnings

releases and other financial

materials

Investor Relations

tel: 706.596.3264 or 800.235.2667

Policyholders/claimants

tel: 800.992.3522

(en Español, tel: 800.742.3522)

Aflac Japan

Shinjuku Mitsui Building

2-1-1, Nishishinjuku

Shinjuku-ku, Tokyo

163-0456, Japan

Ichiro Murakami aflac.co.jp

General Manager,

Aflac Japan Investor Relations Support Office

tel: 011.81.3.3344.0481

CONTACT INFORMATION

This 2014 Year in Review contains forward-looking statements based on expectations, estimates and

projections as of the date of this report. These cautionary statements by their nature are subject to risks,

uncertainties and assumptions, and are influenced by various factors. As a consequence, actual results may

differ materially from those expressed in the forward-looking statements. Aflac undertakes no obligation to

update such forward-looking statements. For more information, see “Item 7. Management’s Discussion and

Analysis of Financial Condition and Results of Operations – Forward-Looking Information” in Aflac’s Annual

Report on Form 10-K for the year ended December 31, 2014, filed with the Securities and Exchange Commission.

Communicorp,Aflac’s printing and communications subsidiary,

has received Forest Stewardship Council

(FSC) certification.This

chain-of-custody certification is part of a not-for-profit organization

program that brings people together to find solutions and reward

good forest management.

Aflac

is a registered trademark of American Family Life Assurance Company of Columbus.

One Day Pay

is a service mark of American Family Life Assurance Company of Columbus.