Aflac Inc is a supplemental health and life insurance company operating primarily in the United States and Japan. Its main products include cancer, accident, critical illness, dental, vision, disability, and life insurance policies designed to complement primary medical coverage by paying cash benefits directly to policyholders. The company operates through two reportable segments: Aflac Japan, which generates the majority of revenue, and Aflac U.S. In Japan, products are sold through affiliated corporate agencies, banks, and direct marketing channels, while in the U.S. the company distributes mainly through independent agents and brokers, with a large share of policies sold at worksites through payroll deduction. Aflac earns revenue from premiums on its insurance policies and from net investment income on its investment portfolio.

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