8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT


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


DATE OF REPORT (Date of earliest event reported)  August 13, 2002
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 Identification No.)
incorporation or organization)
1932 Wynnton Road, Columbus, Georgia	31999
(Address of principal executive offices)	(Zip Code)

706-323-3431

(Registrant's telephone number, including area code)

(Former name, former address and former fiscal year, if changed since last report)

ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS

(a)	Financial statements of businesses acquired.
	Not applicable.
(b)	Pro forma financial information.
	Not applicable.
(c)	Exhibits.

99.1	-	Statement Under Oath of Principal Executive Officer dated August 13, 2002.
99.2	-	Statement Under Oath of Principal Financial Officer dated August 13, 2002.
99.3	-	Statement dated August 13, 2002, Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

ITEM 9.  REGULATION FD DISCLOSURE

     On August 13, 2002, each of the Chief Executive Officer, Daniel P. Amos, and the Chief Financial Officer, Kriss Cloninger, III, of AFLAC Incorporated ("AFLAC") submitted to the Securities and Exchange Commission ("SEC") a sworn statement pursuant to the SEC's June 27, 2002, Order Requiring the Filing of Sworn Statements Pursuant to Section 21(a)(1) of the Securities and Exchange Act of 1934.

     A copy of each of these statements is attached hereto as an Exhibit (99.1 and 99.2).

     Also, on August 13, 2002, AFLAC filed its Quarterly Report on Form 10-Q for the period ended June 30, 2002, which was accompanied by a written statement by the Chief Executive Officer and the Chief Financial Officer of AFLAC pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

     A copy of the written statement is attached hereto as an Exhibit (99.3).

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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 thereunto duly authorized.

AFLAC INCORPORATED
/s/ Ralph A. Rogers, Jr.	Senior Vice President,	August 13, 2002
(Ralph A. Rogers, Jr.)	Financial Services; Chief
	Accounting Officer

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EXHIBITS FILED WITH CURRENT FORM 8-K:

99.1	-	Statement Under Oath of Principal Executive Officer dated August 13, 2002.
99.2	-	Statement Under Oath of Principal Financial Officer dated August 13, 2002.
99.3	-	Statement dated August 13, 2002, Pursuant to 18 U.S.C. Section 1350, as Adopted
		Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

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EX-99.1

Exhibit 99.1

Statement Under Oath of Principal Executive Officer and Principal Financial Officer
Regarding Facts and Circumstances Relating to Exchange Act Filings

I, Daniel P. Amos, state and attest that:

(1)	To the best of my knowledge, based upon a review of the covered reports of AFLAC Incorporated, and, except as corrected or supplemented in a subsequent covered report:
	•	no covered report contained an untrue statement of a material fact as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed); and
	•	no covered report omitted to state a material fact necessary to make the statements in the covered report, in light of the circumstances under which they were made, not misleading as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed).
(2)	I have reviewed the contents of this statement with the Company's audit committee.
(3)	In this statement under oath, each of the following, if filed on or before the date of this statement, is a "covered report":
	•	the 2001 Annual Report on Form 10-K of AFLAC Incorporated;
	•	all reports on Form 10-Q, all reports on Form 8-K and all definitive proxy materials of AFLAC Incorporated filed with the Commission subsequent to the filing of the Form 10-K identified above; and
	•	any amendments to any of the foregoing.

/s/ Daniel P. Amos	Subscribed and sworn to before me
Daniel P. Amos	this 13th day of August, 2002.
Chairman and Chief Executive Officer
August 13, 2002	/s/ Susan C. Clemmons
	Notary Public
	My Commission Expires:  October 28, 2004

EX-99.2

Exhibit 99.2

Statement Under Oath of Principal Executive Officer and Principal Financial Officer
Regarding Facts and Circumstances Relating to Exchange Act Filings

I, Kriss Cloninger, III, state and attest that:

(1)	To the best of my knowledge, based upon a review of the covered reports of AFLAC Incorporated, and, except as corrected or supplemented in a subsequent covered report:
	•	no covered report contained an untrue statement of a material fact as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed); and
	•	no covered report omitted to state a material fact necessary to make the statements in the covered report, in light of the circumstances under which they were made, not misleading as of the end of the period covered by such report (or in the case of a report on Form 8-K or definitive proxy materials, as of the date on which it was filed).
(2)	I have reviewed the contents of this statement with the Company's audit committee.
(3)	In this statement under oath, each of the following, if filed on or before the date of this statement, is a "covered report":
	•	the 2001 Annual Report on Form 10-K of AFLAC Incorporated;
	•	all reports on Form 10-Q, all reports on Form 8-K and all definitive proxy materials of AFLAC Incorporated filed with the Commission subsequent to the filing of the Form 10-K identified above; and
	•	any amendments to any of the foregoing.

/s/ Kriss Cloninger, III	Subscribed and sworn to before me
Kriss Cloninger, III	this 13th day of August, 2002.
President and Chief Financial Officer
August 13, 2002	/s/ Susan C. Clemmons
	Notary Public
	My Commission Expires:  October 28, 2004

EX-99.3

Exhibit 99.3

Certification of CEO and CFO Pursuant to
18 U.S.C. Section 1350,
as Adopted Pursuant to
Section 906 of the Sarbanes-Oxley Act of 2002

In connection with the Quarterly Report on Form 10-Q of AFLAC Incorporated (the "Company") for the quarterly period ended June 30, 2002 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), Daniel P. Amos, as Chief Executive Officer of the Company, and Kriss Cloninger, III, as Chief Financial Officer of the Company, each hereby certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to the best of his knowledge:

(1)	The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
(2)	The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

   /s/ Daniel P. Amos                
Name: Daniel P. Amos
Title: Chief Executive Officer
Date: August 13, 2002




   /s/ Kriss Cloninger, III            
Name: Kriss Cloninger, III
Title: Chief Financial Officer
Date: August 13, 2002




This certification accompanies the Report pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 and shall not, except to the extent required by the Sarbanes-Oxley Act of 2002, be deemed filed by the Company for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.