<SEC-DOCUMENT>0000004977-01-500110.txt : 20011010
<SEC-HEADER>0000004977-01-500110.hdr.sgml : 20011010
ACCESSION NUMBER:		0000004977-01-500110
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20011004
ITEM INFORMATION:		Other events
FILED AS OF DATE:		20011005

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AFLAC INC
		CENTRAL INDEX KEY:			0000004977
		STANDARD INDUSTRIAL CLASSIFICATION:	ACCIDENT & HEALTH INSURANCE [6321]
		IRS NUMBER:				581167100
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-07434
		FILM NUMBER:		1752901

	BUSINESS ADDRESS:	
		STREET 1:		1932 WYNNTON RD
		CITY:			COLUMBUS
		STATE:			GA
		ZIP:			31999
		BUSINESS PHONE:		7063233431

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AMERICAN FAMILY CORP
		DATE OF NAME CHANGE:	19920306
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>oct018k.txt
<DESCRIPTION>3/Q SALES RESULTS
<TEXT>
<PAGE>




                    SECURITIES AND EXCHANGE COMMISSION

                           WASHINGTON, DC 20549



                                 FORM 8-K

                              CURRENT REPORT



                    PURSUANT TO SECTION 13 OR 15(d) OF THE
                     SECURITIES AND EXCHANGE ACT OF 1934



   DATE OF REPORT (Date of earliest event reported) OCTOBER 4, 2001
                         COMMISSION FILE NO. 1-7434




                             AFLAC INCORPORATED
            ------------------------------------------------------
            (Exact Name of Registrant as specified in its Charter)




        GEORGIA                                           58-1167100
--------------------------------                  -------------------------
(State or other jurisdiction of                           (I.R.S. Employer
 incorporation or organization)                      Identification Number)




                   1932 WYNNTON ROAD, COLUMBUS, GEORGIA 31999
             -----------------------------------------------------
             (Address of principal executive offices and zip code)



     Registrant's telephone number, including area code:  (706) 323-3431










<PAGE>

ITEM 5.  OTHER

     AFLAC Incorporated announced on October 4, 2001 that new premium sales
in Japan continued to be weak in the third quarter.  Based on preliminary
data for the month of September, the company estimates that AFLAC Japan's
new annualized premium sales in yen declined approximately 17% in the third
quarter, compared with the third quarter of 2000.  Previously, AFLAC Japan
had expected sales to decline 10% to 12% in the quarter.

     New annualized premium sales in the United States remained strong,
rising approximately 22% in the third quarter, compared with a year ago.
Although sales naturally slowed following the attacks of September 11, they
have since regained some momentum.  The company continues to expect that
full-year new annualized premium sales in the United States will increase
20% to 25%.

     Chairman and Chief Executive Officer Daniel P. Amos commented: "Most
importantly, we remain confident that we will achieve our target this year
of increasing earnings per share at the high end of our projected 15% to 17%
range, excluding the impact of the yen.  We also expect to achieve our
earnings objective of 15% to 17% growth before currency translation in 2002
and 2003."


ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS

     (a)  Financial statements:

          Not applicable.

     (b)  Pro forma financial information:

          Not applicable.

     (c)  Exhibits:

          99 - News release from AFLAC Incorporated dated October 4, 2001.





















<PAGE>

                               SIGNATURES


     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 hereunto duly authorized.

                                        AFLAC INCORPORATED



Date:  October 4, 2001                   /s/ Kriss Cloninger, III
      -------------------------        -----------------------------------
                                          KRISS CLONINGER, III
                                          President and
                                          Chief Financial Officer




Date:  October 4, 2001                   /s/ Norman P. Foster
      -------------------------        -----------------------------------
                                          NORMAN P. FOSTER
                                          Executive Vice President,
                                          Corporate Finance

































<PAGE>

EXHIBITS FILED WITH CURRENT FORM 8-K:

     99 - News release from AFLAC Incorporated dated October 4, 2001.














</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>3
<FILENAME>oct01ex998k.txt
<DESCRIPTION>PRESS RELEASE
<TEXT>
<PAGE>























                                EXHIBIT 99



































<PAGE>

        AFLAC INCORPORATED SEES MIXED THIRD QUARTER SALES RESULTS


COLUMBUS, Georgia - October 4, 2001 -- AFLAC Incorporated today announced
that new premium sales in Japan continued to be weak in the third quarter.
Based on preliminary data for the month of September, the company estimates
that AFLAC Japan's new annualized premium sales in yen declined
approximately 17% in the third quarter, compared with the third quarter of
2000.  Previously, AFLAC Japan had expected sales to decline 10% to 12% in
the quarter.

New annualized premium sales in the United States remained strong, rising
approximately 22% in the third quarter, compared with a year ago.  Although
sales naturally slowed following the attacks of September 11, they have
since regained some momentum.  The company continues to expect that full-
year new annualized premium sales in the United States will increase 20% to
25%.

AFLAC Incorporated expects to report third quarter operating earnings of
$.33 to $.34 per share, which is in line with consensus earnings estimates.
The company is scheduled to report third quarter results after the market
closes on October 24.

Commenting on the announcement, Chairman and Chief Executive Officer Daniel
P. Amos said:  "I am obviously disappointed that AFLAC Japan's new sales
were weaker than anticipated.  In light of AFLAC Japan's third quarter
results, we believe fourth quarter sales will likely be weak as well.
Although the current environment in Japan is challenging, we continue to be
optimistic about longer-term demand for quality, affordable supplemental
insurance products in that market.

"We remain very excited about the direction of our business in the United
States.  Recruiting of new U.S. sales associates was strong in the quarter,
and our latest commercial featuring the popular AFLAC duck has been well
received by consumers.  The United States is a vast, underpenetrated market,
and we believe we are well positioned to tap into that potential.

"Most importantly," Amos continued, "we remain confident that we will
achieve our target this year of increasing earnings per share at the high
end of our projected 15% to 17% range, excluding the impact of the yen.  We
also expect to achieve our earnings objective of 15% to 17% growth before
currency translation in 2002 and 2003."

AFLAC Incorporated (NYSE - AFL) is an international holding company.  A
Fortune 500 company, AFLAC insures more than 40 million people worldwide.
It is the leading writer of supplemental insurance marketed at the worksite
in the United States, offering policies to employees at more than 195,000
payroll accounts.  The company is also the largest foreign insurer in Japan,
insuring one out of four Japanese households. In January 2001, AFLAC was
included in Fortune magazine's list of "100 Best Companies to Work For in
America" for the third consecutive year.  In February 2001, Fortune magazine
also named AFLAC as the fifth most admired company in the life and health
insurance sector in its annual listing of "America's Most Admired
Companies."  AFLAC's Internet address is aflac.com.

Forward looking information: Certain statements contained in this press
release are "forward looking statements" within the meaning of the federal

<PAGE>

securities laws.  Although the company believes that these statements are
reasonable, it can give no assurance that they will prove to be correct
because they are prospective in nature.  Actual future results may differ
materially from those discussed herein.  We caution readers that the
following factors, in addition to other factors mentioned from time to time
in our reports filed with the Securities and Exchange Commission, could
cause actual results to differ materially: regulatory developments,
assessments for insurance company insolvencies, competitive conditions, new
products, ability to repatriate profits from Japan, general economic
conditions in the United States and Japan, changes in U.S. and/or Japanese
tax laws or accounting requirements, adequacy of reserves, credit and other
risks associated with AFLAC's investment activities, significant changes in
interest rates, and fluctuations in foreign currency exchange rates.

Analyst and investor contact - Kenneth S. Janke Jr., (800) 235-2667 - option
3, FAX: (706) 324-6330, or kjanke@aflac.com
Media contact - Kathelen V. Spencer, (706) 596-3789, FAX: (706) 323-1448, or
kspencer@aflac.com






</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
