Aflac announced that the company will allow a 90-day grace period for premium payments due from its policyholders in counties and parishes proclaimed disaster areas by the Federal Emergency Management Agency due to Hurricane Katrina.

     The Company does not anticipate changing its 2005 U.S. sales targets as a result of Hurricane Katrina.

     The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. We desire to take advantage of these provisions. This report contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by company officials in oral discussions with the financial community and contained in documents filed with the Securities and Exchange Commission (SEC). Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward-looking information is subject to numerous assumptions, risks, and uncertainties. In particular, statements containing words such as "expect," "anticipate," "believe," "goal," "objective," "may," "should," "estimate," "intends," "projects," "will," "assumes," "potential," "target," or similar words as well as specific projections of future results, generally qualify as forward-looking. Aflac undertakes no obligation to update such forward-looking statements.

     We caution readers that the following factors, in addition to other factors mentioned from time to time in our reports filed with the SEC, could cause actual results to differ materially from those contemplated by the forward-looking statements:

• legislative and regulatory developments
• assessments for insurance company insolvencies
• competitive conditions in the United States and Japan
• new product development and customer response to new products and new marketing initiatives
• ability to attract and retain qualified sales associates
• ability to repatriate profits from Japan
• changes in U.S. and/or Japanese tax laws or accounting requirements
• credit and other risks associated with Aflac's investment activities
• significant changes in investment yield rates
• fluctuations in foreign currency exchange rates
• deviations in actual experience from pricing and reserving assumptions including, but not limited to, morbidity, mortality, persistency, expenses, and investment yields
• level and outcome of litigation
• downgrades in the company's credit rating
• changes in rating agency policies or practices
• subsidiary's ability to pay dividends to parent company
• ineffectiveness of hedging strategies used to minimize the exposure of our shareholders' equity to foreign currency translation fluctuations
• events resulting in catastrophic loss of life or injury
• general economic conditions in the United States and Japan

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     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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