Aflac does not replace primary medical coverage. Its supplemental policies pay benefits for covered events, helping policyholders meet expenses that can accompany illness or injury. The company conducts its principal insurance business through subsidiaries in Japan and the United States. The company is headquartered in Columbus, Georgia.
Aflac earns premiums from supplemental health and life insurance policies and investment income from assets held to support policy obligations. Aflac Japan sells cancer, medical, nursing care, and life products through agencies and distribution partners. Aflac U.S. sells voluntary and employer-paid supplemental health, group life and disability, dental, and vision products, primarily through workplaces and brokers.