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<SEC-DOCUMENT>0000950144-09-003836.txt : 20090504
<SEC-HEADER>0000950144-09-003836.hdr.sgml : 20090504
<ACCEPTANCE-DATETIME>20090504170959
ACCESSION NUMBER:		0000950144-09-003836
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		5
FILED AS OF DATE:		20090504
DATE AS OF CHANGE:		20090504
EFFECTIVENESS DATE:		20090504

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:		S-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-158969
		FILM NUMBER:		09794313

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

	MAIL ADDRESS:	
		STREET 1:		1932 WYNNTON ROAD
		CITY:			COLUMBUS
		STATE:			GA
		ZIP:			31999

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AMERICAN FAMILY CORP
		DATE OF NAME CHANGE:	19920306
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-8
<SEQUENCE>1
<FILENAME>g18888sv8.htm
<DESCRIPTION>AFLAC INCORPORATED
<TEXT>
<HTML>
<HEAD>
<TITLE>AFLAC INCORPORATED</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 12pt; margin-top: 12pt">As filed with the Securities and Exchange Commission on May&nbsp;4, 2009&nbsp;&nbsp;Registration No.&nbsp;333-</DIV>

<DIV align="center" style="font-size: 10pt"><DIV style="width: 96%; border-bottom: 2px solid #000000; font-size: 1px">&nbsp;</DIV></DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B>Washington, D.C. 20549</B>
</DIV>

<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>FORM S-8</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 24pt"><IMG src="g18888g1888800.gif" alt="(AFLAC LOGO)">

</DIV>
<DIV align="center" style="font-size: 20pt; margin-top: 12pt"><B>Aflac Incorporated</B>
</DIV>

<DIV align="center" style="font-size: 10pt"><DIV align="center"><DIV style="font-size: 3pt; margin-top: 0pt; width: 50%; border-top: 1px solid #000000">&nbsp;</DIV></DIV></DIV>


<DIV align="center" style="font-size: 9pt">(Exact name of registrant as specified in its charter)</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom" style="font-size-8pt">
    <TD width="48%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="48%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top"><FONT style="font-size:12pt"><B>Georgia</B></FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT style="font-size:12pt"><B>58-1167100</B></FONT></TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="3" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT style="font-size:9pt">(State or other jurisdiction of incorporation or organization)</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT style="font-size:9pt">(I.R.S. Employer Identification No.)</FONT></TD>
</TR>
<TR valign="bottom" style="font-size-8pt">
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT style="font-size:12pt"><B>1932 Wynnton Road, Columbus, Georgia</B></FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT style="font-size:12pt"><B>31999</B></FONT></TD>
</TR>
<TR style="font-size: 1px">
    <TD colspan="3" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT style="font-size:9pt">(Address of principal executive offices)</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT style="font-size:9pt">(ZIP Code)</FONT></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="center" style="font-size: 12pt; margin-top: 8pt"><B>706.323.3431</B></DIV>

<DIV align="center" style="font-size: 10pt"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV></DIV>


<DIV align="center" style="font-size: 9pt">(Registrant&#146;s telephone number, including area code)</DIV>



<DIV align="Center" style="font-size: 10pt; margin-top: 12pt"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>

</DIV>
<DIV align="center" style="font-size: 9pt">(Former name, former address and former fiscal year, if changed since last report)</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>Aflac Incorporated 401(k) Savings and Profit Sharing Plan</B></DIV>

<DIV align="center" style="font-size: 10pt"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV></DIV>


<DIV align="center" style="font-size: 9pt">(Full Title of the Plan)</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt">Joey M. Loudermilk<BR>
Executive Vice President, General Counsel and Corporate Secretary<BR>
Aflac Incorporated<BR>
1932 Wynnton Road, Columbus, Georgia 31999</DIV>

<DIV align="center" style="font-size: 10pt"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV></DIV>


<DIV align="center" style="font-size: 9pt">(Name and Address of Agent For Service)</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>706.323.3431</B></DIV>

<DIV align="center" style="font-size: 10pt"><DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV></DIV>


<DIV align="center" style="font-size: 10pt">(Telephone number, including area code of Agent for Service )</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 11pt">The Securities and Exchange Commission is requested to send copies of all<BR>
communication and notice to:<BR>
<B>MICHAEL P. ROGAN, ESQ.</B><BR>
Skadden, Arps, Slate, Meagher &#038; Flom LLP<BR>
1440 New York Avenue, N.W.<BR>
Washington, D.C. 20005</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 10pt">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See
the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule&nbsp;12b-2 of the Exchange Act.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="96%">
<!-- Begin Table Head -->
<TR valign="bottom" style="font-size-12pt">
    <TD width="10%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="40%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top" nowrap><DIV style="margin-left:0px; text-indent:-0px">Large accelerated filer <FONT face="Wingdings">&#254;</FONT>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Accelerated filer <FONT face="Wingdings">&#111;</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Non-accelerated filer &nbsp;&nbsp;<FONT face="Wingdings">&#111;</FONT>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(Do not check if a smaller reporting company)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Smaller reporting company <FONT face="Wingdings">&#111;</FONT></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>



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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 12pt; margin-top: 24pt">CALCULATION OF REGISTRATION FEE</DIV>

<DIV align="center">
<TABLE style="font-size: 12pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="24%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
</TR>
<TR style="font-size: 12pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Proposed</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Proposed</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 12pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Maximum</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Maximum</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Amount of</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 12pt" valign="bottom">
    <TD nowrap align="left">Title of Securities To Be</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Amount To Be</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Offering Price</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Aggregate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Registration</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 12pt" valign="bottom">
    <TD nowrap align="left">Registered</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Registered (1)(2)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Per Share(3)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Offering Price(3)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Fee(3)</TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap><DIV style="margin-left:0px; text-indent:-0px">Common Stock, par value
<BR>
$.10 per share</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center" nowrap>5,000,000 shares</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="left">27.945&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="left">139,725,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="left">7,796.65</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 24pt">(1)&nbsp;Pursuant to Rule 416(c) of the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), this
Registration Statement also covers an indeterminate amount of interests to be offered or sold pursuant to the
employee benefit plan described herein.
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 12pt">(2)&nbsp;Pursuant to Rule&nbsp;416 of the Securities Act, this Registration Statement shall be deemed to
cover an indeterminate number of additional shares as may be required to be issued in the event of an
adjustment as a result of an increase in the number of issued shares of the Registrant&#146;s Common Stock
resulting from a subdivision of such shares, the payment of stock dividends or certain other capital
adjustments.
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 12pt">(3)&nbsp;Pursuant to Rule 457(c) and 457(h) of the Securities Act, and solely for the purpose of
calculating the registration fee, the proposed maximum offering price per share is based on the average of
the high and low sales prices of the Common Stock on the New York Stock Exchange on
April&nbsp;28, 2009.
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 12pt; margin-top: 10pt"><B>EXPLANATORY NOTE</B>
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Registration Statement on Form S-8 is filed by Aflac Incorporated, a Georgia corporation
(&#147;Aflac&#148; or the &#147;Company&#148;), to register 5,000,000 additional shares of Aflac&#146;s common stock, par
value of $.10 per share (the &#147;Common Stock&#148;) issuable under the Aflac Incorporated 401(k) Savings
and Profit Sharing Plan (the &#147;Plan&#148;). Aflac&#146;s registration statement on Form S-8 filed with the
Securities and Exchange Commission (the &#147;SEC&#148;) on January&nbsp;11, 1990 (File No.&nbsp;33-41552) registering
439,960 shares of the Common Stock (adjusted by subsequent capital adjustments) issuable under the
Plan and Aflac&#146;s registration statement on Form S-8 filed with the SEC on June&nbsp;26, 2006 (File No.
333-135324) registering 1,000,000 shares of the Common Stock issuable under the Plan, are
incorporated herein by reference, except to the extent that the items in this Registration
Statement update such information contained therein. This Registration Statement is filed pursuant
to General Instruction E to Form S-8.
</DIV>

<!-- link1 "PART I INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS" -->
<DIV align="left"><A NAME="000"></A></DIV>
<DIV align="left" style="font-size: 12pt; margin-top: 17pt"><B>PART I INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</B>
</DIV>

<!-- link2 "Item&nbsp;1. Plan Information" -->
<DIV align="left"><A NAME="001"></A></DIV>
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>Item&nbsp;1. Plan Information.*</B>
</DIV>

<!-- link2 "Item&nbsp;2. Registrant Information and Employee Plan Annual Information" -->
<DIV align="left"><A NAME="002"></A></DIV>
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>Item&nbsp;2. Registrant Information and Employee Plan Annual Information.*</B>
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Information required by Part&nbsp;I to be contained in the Section 10(a) prospectus is omitted
from this Registration Statement in accordance with Rule&nbsp;428(b)(1) under the Securities Act of
1933, as amended (the &#147;Securities Act&#148;), and the introductory note to Part&nbsp;I of Form S-8. The
documents containing the information specified in Part&nbsp;I have been or will be delivered to the
participants in the Plan as required by Rule&nbsp;428(b).
</DIV>


<P align="center" style="font-size: 12pt"><!-- Folio -->2<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<!-- link1 "PART II INFORMATION REQUIRED IN THE REGISTRATION' STATEMENT" -->
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>PART II INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</B>
</DIV>

<!-- link2 "Item&nbsp;3. Incorporation of Documents by Reference" -->
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>Item&nbsp;3. Incorporation of Documents by Reference.</B>
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following documents filed with the SEC by Aflac and the Plan are incorporated herein by
reference and made a part hereof:
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;Aflac&#146;s Annual Report on Form 10-K for the fiscal year ended December&nbsp;31, 2008 and the
Plan&#146;s Annual Report on Form 11-K for the fiscal year ended December&nbsp;31, 2007;
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;All other reports filed by Aflac pursuant to Section 13(a) or 15(d) of the Securities
Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;) since December&nbsp;31, 2008, and all other reports filed by the Plan pursuant to
Section 15(d) of the Exchange Act since December&nbsp;31, 2007; and
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;The description of the Common Stock contained in Aflac&#146;s Registration Statement No.&nbsp;0-7671
on Form 8-A, filed March&nbsp;29, 1974, including any amendments or reports filed for the purpose of updating such description.
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 17pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents subsequently filed by Aflac and the Plan pursuant to Sections&nbsp;13(a), 13(c), 14
and 15(d) of the Exchange Act, prior to the filing of a post-effective amendment which indicates
that all securities offered have been sold or which deregisters all securities then remaining
unsold, shall be deemed to be incorporated by reference herein and to be a part hereof from the
dates of filing of such documents.
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any statement contained in a document incorporated or deemed to be incorporated by reference
herein shall be deemed to be modified or superseded for purposes of this Registration Statement to
the extent that a statement contained herein or in any other subsequently filed document which also
is or is deemed to be incorporated by reference herein modifies or supersedes such statement. Any
statement so modified or superseded shall not be deemed, except as so modified or superseded, to
constitute a part of this Registration Statement.
</DIV>

<!-- link2 "Item&nbsp;4. Description of Securities" -->
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>Item&nbsp;4. Description of Securities.</B>
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</DIV>

<!-- link2 "Item&nbsp;5. Interests of Named Experts and Counsel" -->
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>Item&nbsp;5. Interests of Named Experts and Counsel.</B>
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The validity of the securities described herein has been passed upon for Aflac by Joey M.
Loudermilk, Executive Vice President, General Counsel and Corporate Secretary for Aflac. As of May
4, 2009, Mr.&nbsp;Loudermilk beneficially owned 247,662 shares of Common Stock, 316,146
options to purchase shares of Common Stock that are exercisable
within 60&nbsp;days and 29,384 shares of
restricted stock for which he has the right to vote but may not receive until they have vested
three years from the date of grant and certain Company performance goals have been met.
</DIV>

<!-- link2 "Item&nbsp;6. Indemnification of Directors and Officers" -->
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>Item&nbsp;6. Indemnification of Directors and Officers.</B>
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Georgia Business Corporation Code permits a corporation to indemnify a director or officer
if the director or officer seeking indemnification acted in good faith and reasonably believed (i)
in the case of conduct in his or her official capacity, that his or her action was in the best
interest of the corporation, (ii)&nbsp;in all other cases, that his or her action was at least not
opposed to the best interests of the corporation, and (iii)&nbsp;in the case of any
</DIV>

<P align="center" style="font-size: 12pt"><!-- Folio -->3<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 12pt; margin-top: 10pt">criminal proceedings, that he or she had no reasonable cause to believe his or her conduct was
unlawful, provided that indemnification in connection with a proceeding by or in the right of the
corporation is limited to reasonable expenses incurred in connection with the proceeding. The
Georgia Business Corporation Code prohibits indemnification of a director or officer with respect
to conduct for which he or she was adjudged liable on the basis that personal benefit was
improperly received by him or her, whether or not involving action in his or her official capacity.
The Bylaws of the Company provide for indemnification of officers and directors to the fullest
extent permitted by Georgia law. The Company&#146;s Articles of Incorporation also limit the potential
personal monetary liability of the members of the Company&#146;s Board of Directors to the Company or
its stockholders for certain breaches of their duty of care or other duties as a director.
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 17pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Company maintains (i)&nbsp;director and officer liability insurance that provides for
indemnification of the directors and officers of the Company and of its majority-owned
subsidiaries, and (ii)&nbsp;company reimbursement insurance that provides for indemnification of the
Company and its majority-owned subsidiaries in those instances where the Company and/or its
majority-owned subsidiaries indemnified its directors and officers.
</DIV>

<!-- link2 "Item&nbsp;7. Exemption from Registration Claimed" -->
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>Item&nbsp;7. Exemption from Registration Claimed.</B>
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</DIV>

<!-- link2 "Item&nbsp;8. Exhibits" -->
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>Item&nbsp;8. Exhibits.</B>
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following is a list of exhibits filed or incorporated by reference as part of this
Registration Statement.
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="2%">&nbsp;</TD>
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="right">5.1</TD>
    <TD width="6%">&nbsp;</TD>
    <TD>Opinion of Joey M. Loudermilk, General Counsel of Aflac, regarding legality of the
securities being registered.</TD>
</TR>

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="2%">&nbsp;</TD>
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="right">23.1</TD>
    <TD width="6%">&nbsp;</TD>
    <TD>Consent of KPMG LLP, Independent Registered Public Accounting Firm.</TD>
</TR>

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="2%">&nbsp;</TD>
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="right">23.2</TD>
    <TD width="6%">&nbsp;</TD>
    <TD>Consent of Joey M. Loudermilk, General Counsel of Aflac (included in opinion filed
as Exhibit&nbsp;5.1 hereto).</TD>
</TR>

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="2%">&nbsp;</TD>
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="right">24.1</TD>
    <TD width="6%">&nbsp;</TD>
    <TD>Powers of Attorney (included on the signature page of this Registration Statement).</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 29pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Aflac hereby undertakes that it will submit or has submitted the Plan and any amendment
thereto to the Internal Revenue Service (&#147;IRS&#148;) in a timely manner and has made or will make all
changes required by the IRS in order to qualify the Plan.
</DIV>

<!-- link2 "Item&nbsp;9. Undertakings" -->
<DIV align="left" style="font-size: 12pt; margin-top: 10pt"><B>Item&nbsp;9. Undertakings.</B>
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Aflac hereby undertakes:
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">(a)&nbsp;</TD>
    <TD width="2%" nowrap align="left">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To file, during any period in which offers or sales are being made, a post-effective amendment
to the registration statement:</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;to include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act of 1933;
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;to reflect in the prospectus any facts or events arising after the effective date of the
registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the
registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that
which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant
to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20&nbsp;percent change in
</DIV>


<P align="center" style="font-size: 12pt"><!-- Folio -->4<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 12pt; margin-top: 10pt">the maximum aggregate offering price set forth in the &#147;Calculation of
Registration Fee&#148; table in the effective registration statement; and
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;to include any material information with respect to the plan of distribution not previously
disclosed in the registration statement or any material change to such information in the registration statement;
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;provided, however, that paragraphs (a)(1)(i) and (a)(1)(ii) of this section do not apply if the registration statement is on Form S-8 and the information required to be included
in a post-effective amendment by those paragraphs is contained in reports filed with or furnished to the Commission by the registrant pursuant to section 13 or section 15(d) of
the Securities Exchange Act of 1934 that are incorporated by reference in the registration statement.
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 24pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;That, for the purposes of determining any liability under the Securities Act of 1933, each
such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be
deemed to be the initial <I>bona fide </I>offering thereof.
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;To remove from registration by means of a post-effective amendment any of the securities
being registered which remain unsold at the termination of the offering.
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4)&nbsp;That, for the purpose of determining liability of the registrant under the Securities Act of 1933
to any purchaser in the initial distribution of the securities:
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The undersigned registrant undertakes that in a primary offering of securities of the undersigned
registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such
purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such
purchaser:
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 24pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering
required
to be filed pursuant to Rule&nbsp;424;
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned
registrant or used or referred to by the undersigned registrant;
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;The portion of any other free writing prospectus relating to the offering containing material
information about the undersigned registrant or its securities provided by or on behalf of the undersigned registrant; and
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 12pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv)&nbsp;Any other communication that is an offer in the offering made by the undersigned registrant to
the purchaser.
</DIV>

<DIV style="margin-top: 12pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>That, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant&#146;s annual report
pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 (and where applicable, each filing of an
employee benefit plan&#146;s annual report pursuant to Section 15(d) of the Securities Exchange Act of 1934) that is incorporated by
reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered
therein, and the offering of such securities at that time shall be deemed to be the initial <I>bona fide </I>offering thereof.</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 12pt"><!-- Folio -->5<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 12pt">


<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and
controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that
in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act
and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment
by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful
defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the
securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by
controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against
public policy as expressed in the Act and will be governed by the final adjudication of such issue.</TD>
</TR>

</TABLE>
</DIV>




<P align="center" style="font-size: 12pt"><!-- Folio -->6<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<!-- link1 "SIGNATURES" -->

<DIV align="center" style="font-size: 12pt; margin-top: 18pt"><B>SIGNATURES</B>
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>The Registrant. </B>Pursuant to the requirements of the Securities Act of 1933, the registrant
certifies that it has reasonable grounds to believe that it meets all of the requirements for
filing on Form S-8 and has duly caused this registration statement to be signed on its behalf by
the undersigned, thereunto duly authorized, in the city of Columbus, state of Georgia, on this
4<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> day of May, 2009.
</DIV>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 12pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>


</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">Aflac Incorporated<BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/ <B><I>Daniel P. Amos</I></B>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Name:&nbsp;&nbsp;</TD>
    <TD align="left">Daniel P. Amos&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Title:&nbsp;&nbsp;</TD>
    <TD align="left">Chief Executive Officer and Chairman of the Board of
Directors&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<DIV align="center" style="font-size: 12pt; margin-top: 18pt"><B>SIGNATURES AND POWER OF ATTORNEY</B>
</DIV>



<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We, the undersigned officers and directors of Aflac Incorporated, hereby severally constitute
and appoint Joey M. Loudermilk and Kriss Cloninger III, and each of them the lawful attorneys and
agents, with full power of substitution and authority, to sign for us and in our names in the
capacities indicated below, the Registration Statement on Form S-8 filed herewith and any and all
pre-effective and post-effective amendments to said Registration Statement, and generally to do all
such things in our names and on our behalf in our capacities as officers and directors to enable
Aflac Incorporated to comply with the provisions of the Securities Act of 1933, as amended, and all
rules, regulations and requirements of the Securities and Exchange Commission, hereby ratifying and
confirming our signatures as they may be signed by either of said attorneys to said Registration
Statement and any and all amendments thereto as may be necessary or desirable, including, but
without limiting the generality of the foregoing, the power and authority to sign the name of Aflac
Incorporated in the names of the undersigned directors and officers in the capacities indicated
below to all such registration statements, amendments or post-effective amendments thereto.
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has
been signed by the following persons in the capacities and on the date indicated.
</DIV>
<DIV align="center">
<TABLE style="font-size: 12pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="42%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>

</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="left" nowrap valign="top">/s/ <B><I>Daniel P. Amos</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Daniel P. Amos</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Chief Executive Officer and Chairman of the <br>
Board of Directors
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Kriss Cloninger III</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Kriss Cloninger III</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
President, Chief Financial Officer, <br>
Treasurer and Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 12pt"><!-- Folio -->7<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 12pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="42%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>

</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Ralph A. Rogers, Jr.</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Ralph A. Rogers, Jr.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Senior Vice President, Financial Services; <br>
Chief Accounting Officer
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>John Shelby Amos II</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
John Shelby Amos II</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Paul S. Amos II</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Paul S. Amos II</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">&nbsp;
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Yoshiro Aoki</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Michael H. Armacost</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Michael H. Armacost</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Joe Frank Harris</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Joe Frank Harris</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Elizabeth J. Hudson</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Elizabeth J. Hudson</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Kenneth S. Janke Sr.</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Kenneth S. Janke Sr.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Douglas W. Johnson</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Douglas W. Johnson</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Robert B. Johnson</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Robert B. Johnson</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Charles B. Knapp</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Charles B. Knapp</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>E. Stephen Purdom</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
E. Stephen Purdom</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Barbara K. Rimer</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Barbara K. Rimer</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>Marvin R. Schuster</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Marvin R. Schuster</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">/s/ <B><I>David G. Thompson</I></B>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
David G. Thompson</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">&nbsp;
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Robert L. Wright</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">May 4, 2009</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 12pt"><!-- Folio -->8<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>The Plan</B>. Pursuant to the requirements of the Securities Act of 1933, the trustees (or other<BR>
persons who administer the employee benefit plan) have duly caused this registration statement to<BR>
be signed on its behalf by the undersigned, thereunto duly authorized, in the city of Columbus,<BR>
state of Georgia, on this 4<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> day of May, 2009.
</DIV>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 12pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">Aflac Incorporated 401(k) Savings and Profit Sharing Plan<BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/ <B><I>Kenneth L. Graves</I></B>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Name:&nbsp;&nbsp;</TD>
    <TD align="left">Kenneth L. Graves&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD valign="top">Title:&nbsp;&nbsp;</TD>
    <TD align="left">Vice President, Human Resources&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<P align="center" style="font-size: 12pt"><!-- Folio -->9<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "EXHIBIT INDEX" -->

<DIV align="center" style="font-size: 12pt; margin-top: 27pt"><B>EXHIBIT INDEX</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="right">5.1</TD>
    <TD width="3%">&nbsp;</TD>
    <TD>Opinion of Joey M. Loudermilk, General Counsel of Aflac, regarding legality of the
securities being registered.</TD>
</TR>

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="right">23.1</TD>
    <TD width="3%">&nbsp;</TD>
    <TD>Consent of KPMG LLP, Independent Registered Public Accounting Firm.</TD>
</TR>

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="right">23.2</TD>
    <TD width="3%">&nbsp;</TD>
    <TD>Consent of Joey M. Loudermilk, General Counsel of Aflac (included in opinion filed
as Exhibit&nbsp;5.1 hereto).</TD>
</TR>

<TR valign="top" style="font-size: 12pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="right">24.1</TD>
    <TD width="3%">&nbsp;</TD>
    <TD>Powers of Attorney (included on the signature page of this Registration Statement).</TD>
</TR>

</TABLE>
</DIV>


<P align="center" style="font-size: 12pt"><!-- Folio -->10<!-- /Folio -->
</DIV>



</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>g18888exv5w1.htm
<DESCRIPTION>EX-5.1 OPINION OF JOEY M. LOUDERMILK
<TEXT>
<HTML>
<HEAD>
<TITLE>EX-5.1 OPINION OF JOEY M. LOUDERMILD</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 12pt; margin-top: 12pt"><B>EXHIBIT 5.1</B>
</DIV>

<DIV align="left" style="font-size: 12pt; margin-left: 79%; margin-top: 6pt">May&nbsp;4, 2009
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 6pt">The Board of Directors<BR>
Aflac Incorporated<BR>
1932 Wynnton Road<BR>
Columbus, Georgia 31999

</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 12pt">Ladies and Gentlemen:
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As General Counsel of Aflac Incorporated, a Georgia corporation (the &#147;Company&#148;), I have
represented the Company in connection with the preparation of a Registration Statement on Form S-8,
which is being filed by the Company with the Securities and Exchange Commission (the &#147;Commission&#148;)
on the date hereof (the &#147;Registration Statement&#148;) relating to the registration and issuance by the
Company of an aggregate of up to 5,000,000 shares (the &#147;Shares&#148;) of the common stock, par value
$0.10 per share, of the Company pursuant to the Aflac Incorporated 401(k) Savings and Profit
Sharing Plan (the &#147;Plan&#148;).
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This opinion is delivered in accordance with the requirements of Item&nbsp;601(b)(5)(i) of
Regulation&nbsp;S-K under the Securities Act of 1933, as amended.
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In connection with this opinion, I am familiar with the corporate proceedings taken by the
Company in connection with the authorization of the Plan, and have made such other examinations of
law and fact as considered necessary in order to form a basis for the opinion hereafter expressed.
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I am admitted to the bar in the State of Georgia, and I do not express any opinion with
respect to the law of any other jurisdiction. The opinion expressed herein is based on laws in
effect on the date hereof, which laws are subject to change with possible retroactive effect.
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Based upon and subject to the foregoing, I am of the opinion that when certificates
representing the Shares have been delivered and paid for in accordance with the terms and
conditions of the Plan, the issuance and sale of the Shares will have been duly authorized and,
subject to any restrictions imposed by the Plan, the Shares will be validly issued, fully paid and
nonassessable.
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I hereby consent to the filing of this opinion with the Commission as Exhibit&nbsp;5.1 to the
Registration Statement.
</DIV>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 12pt">
<TR>
    <TD width="40%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="33%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD align="left">Very truly yours,</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
</TR>
<TR>
    <TD align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000" align="left">/s/&nbsp;&nbsp;<B>Joey
M. Loudermilk</B></TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
</TR>
<TR>
    <TD align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD align="left">&nbsp;</TD>
    <TD align="left">Joey M. Loudermilk</TD>
</TR>
</TABLE>



<P align="center" style="font-size: 10pt"><!-- Folio --><!-- /Folio -->
</DIV>



</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>g18888exv23w1.htm
<DESCRIPTION>EX-23.1 CONSENT OF KPMG LLP
<TEXT>
<HTML>
<HEAD>
<TITLE>EX-23.1 CONSENT OF KPMG LLP</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 12pt; margin-top: 12pt"><B>EXHIBIT 23.1</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 18pt"><B>Consent of Independent Registered Public Accounting Firm</B>
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">The Shareholders and Board of Directors of Aflac Incorporated:
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">We consent to incorporation by reference in the registration statement on Form S-8 of Aflac
Incorporated of our reports dated February&nbsp;19, 2009, with respect to the consolidated balance
sheets of Aflac Incorporated and subsidiaries (the Company) as of December&nbsp;31, 2008 and 2007, and
the related consolidated statements of earnings, shareholders&#146; equity, cash flows and comprehensive
income for each of the years in the three-year period ended December&nbsp;31, 2008, and all related
financial statement schedules and the effectiveness of internal control over financial reporting as
of December&nbsp;31, 2008, which reports appear in the December&nbsp;31, 2008 annual report on Form 10-K of
the Company. Our reports with respect to the financial statements and all related financial
statement schedules refers to the adoption by the Company of the provisions of Staff Accounting
Bulletin No.&nbsp;108, <I>Considering the Effects of Prior Year Misstatements when Quantifying
Misstatements in Current Year Financial Statements</I>, and Statement of Financial Accounting Standards
No.&nbsp;158, <I>Employers&#146; Accounting for Defined Benefit Pension and Other Postretirement Plans, an
amendment to FASB Statements No.&nbsp;87, 88, 106 and 132(R)</I>, in 2006.
</DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt">We also consent to incorporation by reference of our report dated June&nbsp;26, 2008, with respect to
the statements of net assets available for plan benefits of the Aflac Incorporated 401(k) Savings
and Profit Sharing Plan (the Plan) as of December&nbsp;31, 2007 and 2006, and the related statements of
changes in net assets available for plan benefits for the years then ended, which report appears in
the December&nbsp;31, 2007 annual report on Form 11-K of the Plan.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><IMG src="g18888kpmg.gif" alt="(KPMG LLP LOGO)">
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 6pt">Atlanta, Georgia
</DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 6pt">May&nbsp;4, 2009
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio --><!-- /Folio -->
</DIV>



</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
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