Institutional Coverage

Bank of America – Merrill Lynch
Barclays Capital
Credit Suisse
Deutsche Bank
Dowling & Partners
Friedman, Billings, Ramsey & Co.
Goldman Sachs
J.P. Morgan
Keefe, Bruyette & Woods, Inc.
Janney Montgomery Scott
Macquarie Research
Morgan Stanley
Raymond James
RBC Capital Markets
SunTrust RH
UBS Securities (US)
Wells Fargo Securities

Aflac Incorporated is followed by the analyst(s) listed above. Please note that any opinions, estimates or forecasts regarding Aflac Incorporated's performance made by these analysts are theirs alone and do not represent opinions, forecasts or predictions of Aflac Incorporated or its management. Aflac Incorporated does not by its reference above or distribution imply its endorsement of or concurrence with such information, conclusions or recommendations.

Investor Contacts

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Coverage underwritten by American Family Life Assurance Company of Columbus. Group coverage underwritten by Continental American Insurance Company, which is not licensed to solicit business in Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For individual coverage in New York or coverage for groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.

One Day PaySM available for most properly documented, individual claims submitted online through Aflac SmartClaim® by 3 PM ET. Aflac SmartClaim® not available on the following: Short Term Disability (excluding Accident and Sickness Riders), Life, Vision, Dental, Medicare Supplement, Long Term Care/Home Health Care, Aflac Plus Rider and Group policies. Aflac processes most other claims in about four days. Processing time is based on business days after all required documentation needed to render a decision is received & no further validation and / or research is required. Individual Company Statistic, 2015.

© 2015 Aflac Incorporated