AFLAC - AFL Stock Plan

To join plan: Minimum $1000 unless already a shareholder.

Optional cash investments: Min $50, normally invested twice monthly.

Fees: ($=Low)

• Sales fee: commissions and taxes.

Information:

AFLAC Incorporated Worldwide Headquarters
Investor Relations Department
1932 Wynnton Road
Columbus, Georgia 31999

or call the Investor Relations Department at (800) 235-2667 or (706)596-3264.

from prospectus dated Jan. 27, 2003.