Work with the leader in voluntary insurance to deliver exceptional value and service to your employees.

1
LET THE NUMBERS SPEAK FOR THEMSELVES.

x2
We pay
SAT I SFA C T I ON WIT H PRODUCT S E A SE O F D O ING BUSINESS E A SE O F E N R OLLM ENT C L A I M S SAT ISFA CT ION

S M T W T F S 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30

Key
Aflac3 4 days American Fidelity4 710 days Allstate5 10 days Colonial6 10 days Unum7 varies

as much in claims as we do in administrative costs.2

And we do it faster than our competitors.

BE SURE THE POLICIES YOU PROVIDE YOUR EMPLOYEES DELIVER THE MOST VALUE FOR THEIR PREMIUMS.

Aflac3

Allstate5 5th 5th 5th 5th

Colonial6 4th 2rd 3rd 4th

1st 1st 1st 1

st

American Fidelity4 3rd 4th 4th 3rd

Unum7 2nd 3rd 2nd 2nd

Worldwide Headquarters | 1932 Wynnton Rd | Columbus, GA 31999 | aflac.com

A.M. BEST Financial Strength Rating: A+ (Superior)8

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SOURCES
All information provided pertains to accident and health insurance only.
1

 astbridge Study, U.S. Worksite Voluntary Sales report April E 2012, Carrier Results for 2011.

 olonial herein means Colonial Life and Accident Insurance. C Colonials goal is to process 90 percent of claims in less than or equal to ten days.  num herein means Provident Life and Accident Insurance U Company which underwrites accident and health insurance under the Unum brand. Unum claims processing times vary by product, and conditions may apply.  epresents Aflacs A.M. Best rating as of May 27, 2011. The R A+ rating is the second highest (of 16 levels) given by A.M. Best with the highest being A++ (Superior).

Administrative cost/claims formula: Cost of Claims = Average Premium Size x Loss Ratio. Administrative Cost = Average Premium Size x (1 Loss Ratio).
2

Average premium size: Annual statement for the year December 31, 2011, of American Family Life Assurance Company of Columbus (60380); exhibit of number of policies, contracts, certificates, income payable, and account values in force for supplementary contracts, annuities, and accident & health, and other policies. Loss ratio: A.M. Best Insurance Reports Life Health, U.S. 2012 Edition (2011 Annual Data, Version 2012.1): American Family Life Assurance Company of Columbus. Aflac herein means American Family Life Assurance Company of Columbus, which includes Aflacs Japanese operations. Aflac processes most claims in an average of four days.
3 4

Claims processing speed: aflac.com ahlcorp.com/ClaimInfo.aspx Colonial Life Service Goal Report Card, 4th Quarter 2010 afaadvantage.com unum.com/employees/WhatToExpect/default.aspx Product satisfaction, claims satisfaction, ease of doing business, and ease of enrollment: Competitor Loyalty 2012, Prince Market Research. Prince Market Research is an independent marketing research firm that conducted an online competitor loyalty survey with benefit administrators at U.S. companies.

 FA and American Fidelity herein mean American Fidelity A Assurance Company. American Fidelity claims will be processed in seven to ten business days from the time all necessary paperwork is submitted.  llstate herein means American Heritage Life Insurance A Company. Allstate claims will be processed in less than ten business days (if all claim forms are completed accurately and no additional information is required).

We are honored to be recognized as one of Ethispheres Worlds Most Ethical Companies for the 6th year in a row. The Ethisphere Institute annually recognizes companies around the world that demonstrate a commitment to ethical leadership, compliance practices, and corporate social responsibility. Aflac is the only insurance company to appear on the list each year since the inception of the award.

Worldwide Headquarters | 1932 Wynnton Rd | Columbus, GA 31999 | aflac.com

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