Aflac 2013 Annual Report Download - page 25

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AFLAC U.S. DISTRIBUTION CHANNELS
DISTRIBUTION CHANNEL EMPLOYEE MARKET SEGMENT PRODUCTS
Career agents < 100 employees Individual
Core insurance brokers
(local and regional) 100 – 1,000 employees Individual /
Group (standardized)
Large insurance brokers
(national) > 1,000 employees Group (customized)
PRODUCTS EASE LIFE’S FINANCIAL BURDENS
With the uncertainty surrounding the implementation of health care reform in
the U.S. and a tentative business environment, we believe people need Aflac
voluntary products now more than ever. Our products provide cash benefits
that can be used to help with out-of-pocket medical expenses, help cover
household costs, or protect against income and asset loss. Our portfolio
of group and individual products provides consumers with outstanding
value, while offering businesses the opportunity to give their employees a
more valuable and comprehensive selection of benefit options. We regularly
evaluate the marketplace to identify opportunities to develop valuable, cost-
effective products for employees at businesses of all sizes.
AFLAC U.S. 2013 FINANCIAL HIGHLIGHTS:
Premium income rose 3.1% to
$5.2 billion.
Total revenues rose 2.9% to
$5.8 billion.
Pretax operating earnings rose
by 4.1% to $1.0 billion.
AFLAC U.S. PRODUCTS
INCOMELOSS PROTECTION ASSETLOSS PROTECTION SUPPLEMENTAL MEDICAL
Life insurance products, including:
Short-Term Disability**
Life (term, whole)**
Supplemental insurance products,
including:
Accident**
Cancer*
Critical Illness**
Hospital Intensive Care*
Supplemental insurance products,
including:
Hospital Indemnity**
Dental**
Vision*
*Available as individual product only
**Available in both individual and group products. Benefits of group and individual products may vary.
AFLAC INCORPORATED 2013 YEAR IN REVIEW – AFLAC U.S. 23