UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 3  INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

1. Name and Address of Reporting Person
   Mori, Nobuhiro
   2-14-6, Oyamadai, Setagaya, Ku


   Tokyo, Japan 100-0086
2. Date of Event Requiring Statement (Month/Day/Year)
   11/12/02
3. I.R.S. Identification Number of Reporting Person, if an entity (Voluntary)

4. Issuer Name and Ticker or Trading Symbol
   AFLAC INCORPORATED (AFL)
5. Relationship of Reporting Person to Issuer (Check all applicable)
   [X] Director                   [ ] 10% Owner
   [ ] Officer (give title below) [ ] Other (specify below)

6. If Amendment, Date of Original (Month/Day/Year)
7. Individual or Joint/Group Filing (Check Applicable Line)
   [X] Form filed by One Reporting Person
   [ ] Form filed by More than One Reporting Person



Table I   Non-Derivative Securities Beneficially Owned
- -----------------------------------------------------------------------------------------------------
1)Title of Security                                          2)Amount of         3)  4)Nature of
                                                             Securities          D   Indirect
                                                             Beneficially        or  Beneficial
                                                             Owned               I   Ownership
- -----------------------------------------------------------------------------------------------------
                                                                            


Table II   Derivative Securitites Beneficially Owned
- ------------------------------------------------------------------------------------------------------------------------------------
1)Title of Derivative Security  2)Date Exercisable  3)Title and Amount of                   4)Conver-  5)Ownership 6)Nature of
                                and Expiration Date Securities Underlying                   sion or    Form of     Indirect
                                (Month/Day/Year)    Derivative Security                     exercise   Derivative  Beneficial
                                                                                            price of   Security    Ownership
                                Date      Expira-                                Amount or  Deri-      Direct(D)
                                Exer-     tion                                   Number of  vative     or
                                cisable   Date      Title                        Shares     Security   Indirect(I)
- ------------------------------------------------------------------------------------------------------------------------------------
                                                                                              
Employee Stock Option (right to (1)       11/12/12  Common Stock                 10,000     $31.5300   D           Direct
buy)


Explanation of Responses:

(1)
The option will vest 2000 shares on 11/12/02, 2000 shares on 11/12/03, 2000 shares on 11/12/04, 2000 shares on 11/12/05, and 2000 sh
ares on 11/12/06.



SIGNATURE OF REPORTING PERSON
/S/ By: Patricia A. Bell
    For: Nobuhiro Mori
DATE 11/19/02