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Ratings

The ratings listed below are provided for informational purposes only. All ratings are solely the opinions of the rating agencies. Neither insurer financial strength nor credit ratings are statements of fact nor are they recommendations to purchase, hold or sell any security, contract or policy. The ratings may be changed, superseded or withdrawn by the rating agencies at any time.

Insurer Financial Strength Ratings AM Best S&P Moody's Fitch JCR R&I
Aflac of Columbus A+ A+ Aa3 AA- AA AA-
Aflac of New York A+ A+ --- AA- --- ---
Continental American Insurance Company A+ --- --- --- --- ---
Aflac Life Insurance Japan, Ltd. A+ A+ Aa3 AA- AA AA-
Credit Ratings AM Best S&P Moody's Fitch JCR R&I
Aflac Incorporated
Long-term Senior Debt a- A- A3 A- A+ A
Junior Subordinated Debt bbb+ BBB Baa1 BBB --- BBB+
Aflac of Columbus
Long-term Senior Debt aa- A+ --- --- AA ---
Aflac Life Insurance Japan, Ltd.
Long-term Senior Debt aa- A+ --- --- AA ---
Perpetual Subordinated Bonds --- --- --- --- A+ ---

The outlook for all ratings assigned by AM Best, Fitch, Moody's, and JCR is stable.
The outlook for all ratings assigned by S&P and R&I is positive.