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) November 1, 2004

AFLAC INCORPORATED

(Exact name of Registrant as specified in its charter)

GEORGIA	1-7434	58-1167100
(State or Other Jurisdiction	(Commission	(I.R.S. Employer
of Incorporation)	File Number)	Identification No.)
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)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[  ]	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[  ]	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[  ]	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[  ]	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

ITEM 5.02 DEPARTURE OF DIRECTORS OR PRINCIPAL OFFICERS; ELECTION OF DIRECTORS; APPOINTMENT OF PRINCIPAL OFFICERS

     AFLAC Incorporated is providing its press release dated November 1, 2004 announcing the appointment of Mr. Toru Tonoike to its board of directors herein as Exhibit 99.1. Mr. Tonoike's appointment to the AFLAC board of directors and its Acquisition Committee was effective November 1, 2004. His term will expire at the annual shareholder's meeting in May 2005, at which time he will stand for election along with the other director nominees. Mr. Tonoike is Managing Executive Officer and Head of the Financial Products Unit at Mizuho Corporate Bank, Ltd., a member of the Mizuho Financial Group, Inc.

ITEM 9.01 FINANCIAL STATEMENT AND EXHIBITS

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

1

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/ Kriss Cloninger III	November 5, 2004
(Kriss Cloninger III)
President, Treasurer and
Chief Financial Officer

2

EXHIBITS FURNISHED WITH CURRENT FORM 8-K:

99.1 - Press release of AFLAC Incorporated dated November 1, 2004

3

EX-99.1

EXHIBIT 99.1

FOR IMMEDIATE RELEASE

TORU TONOIKE JOINS AFLAC INCORPORATED BOARD OF DIRECTORS

COLUMBUS, Ga., Nov 1, 2004 -- AFLAC Incorporated today announced that Toru Tonoike has been appointed to its board of directors. Mr. Tonoike will begin serving on the AFLAC board of directors effective November 1, 2004. His term will expire at the annual shareholder's meeting in May 2005, at which time he will stand for election along with the other director nominees.

Mr. Tonoike, is the managing executive officer in charge of the products unit division at Mizuho Corporate Bank. He also has worked for Mizuho as an executive officer - sales first general manager of Uchisaiwaicho and executive officer in charge of USA sales to Japanese-affiliated companies. Prior to working for Mizuho Corporate Bank, which was created by the merger of three banks, Mr. Tonoike worked for Dai-ichi Kangyo Bank Limited as an executive officer, sales general manager for DKB USA, senior counselor for the bank's international office, and was chief assistant to the director in the international administrative division. Mr. Tonoike holds an economics degree from Hitotsubashi University.

"We are pleased to have Mr. Tonoike join our board of directors. We welcome his extensive financial knowledge and look forward to his contributions as an AFLAC board member," said AFLAC Incorporated Chairman and CEO Daniel P. Amos.

AFLAC Incorporated (NYSE - AFL) is an international holding company. A Fortune 500^® company, AFLAC insures more than 40 million people worldwide. It is a leading writer of insurance products marketed at the worksite in the United States, offering policies to employees at more than 312,900 payroll accounts. The company insures one out of four Japanese households and is the largest life insurer in Japan in terms of individual insurance policies in force. In January 2004, AFLAC was included in Fortune magazine's list of "The 100 Best Companies to Work For in America" for the sixth consecutive year. Also in January 2004, AFLAC was named to Forbes magazine's "Platinum 400 List of Best Big Companies in America" for the fifth consecutive year. In March 2004, Fortune magazine included AFLAC in its annual listing of "America's Most Admired Companies." AFLAC's Internet address is aflac.com.

Media Contact:	Analysts Contact:
Laura Kane	Ken Janke Jr.
AFLAC Incorporated	AFLAC Incorporated
706-596-3493	800-235-2667 option 3
706-320-2288 (Fax)