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.
Langen McAlenney
Macquarie Research
Morgan Stanley
Raymond James
RBC Capital Markets
Sterne Agee & Leach
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.

Aflac processes most claims in about four days, and online claims received by 3pm ET in an average of one day. This does not include mail time. Online claim process is available for accident, sickness, cancer, and wellness type claims. Processing time is based on business days after all required documentation is received. Aflac Individual Company Statistic, October 2013.

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