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 15, 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 15, 2004 announcing the promotion of Mr. Akitoshi Kan to Chairman of AFLAC International and the appointment of Mr. Paul S. Amos II to Executive Vice President, AFLAC U.S. Operations, herein as Exhibit 99.1. These changes will be effective January 1, 2005.

     Mr. Kan, 56, has been Executive Vice President, Internal Operations, AFLAC, since January 2000; Deputy Chief Financial Officer, AFLAC Incorporated from April 1999 until September 2000; Executive Vice President, AFLAC International until December 1999. Mr. Kan has a current employment agreement for his current position. An employment agreement for his new position has not been finalized.

     Mr. Amos, 29, has been employed by AFLAC as State Sales Coordinator of Georgia North since November 2002. In 2004, $233,585 was paid by AFLAC to Mr. Amos. This amount was earned as renewal and first-year commissions before expenses. State Sales Coordinators are not salaried employees but are compensated on a commission basis and are required to pay their own expenses, including travel, office expenses, incentives for District and Regional Sales Coordinators and Associates in their states, and recruiting and training costs. The compensation arrangement with Mr. Amos was similar, when contracted, to that of other State Sales Coordinators.

     Prior to joining AFLAC as a State Sales Coordinator, Mr. Amos earned a juris doctorate from Tulane University. Mr. Amos is the son of Daniel P. Amos, Chairman and Chief Executive Officer of AFLAC Incorporated. His employment agreement has not been finalized.

ITEM 9.01 FINANCIAL STATEMENT AND EXHIBITS

(a)	Financial statements of businesses acquired.
	Not applicable
(b)	Pro forma financial information.
	Not applicable
(c)	Exhibits.
	99.1 - Press release of AFLAC Incorporated dated November 15, 2004

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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.	November 19, 2004
(Ralph A. Rogers, Jr.)
Senior Vice President, Financial Services
Chief Accounting Officer

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EXHIBITS FURNISHED WITH CURRENT FORM 8-K:

99.1 - Press release of AFLAC Incorporated dated November 15, 2004

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EX-99.1

EXHIBIT 99.1

AFLAC Promotes Akitoshi Kan to Chairman, AFLAC International; Appoints Paul S. Amos II to AFLAC U.S. Executive Vice President

COLUMBUS, Ga., Nov. 15 - AFLAC Incorporated announced today that Akitoshi Kan has been promoted to chairman of AFLAC International. This promotion follows AFLAC Japan President Charles Lake's more active involvement in the company's strategic and policy initiatives in Japan. Lake will remain president of AFLAC Japan and will concentrate on regulatory issues. The company also announced today that Paul S. Amos II has been appointed executive vice president, AFLAC U.S. operations. These changes are effective January 1, 2005.

Kan, a graduate of Kanagawa University in Japan, joined AFLAC Japan's financial department in 1980. Prior to relocating to AFLAC's Worldwide Headquarters in 1999, he was executive vice president of internal operations for AFLAC Japan. Since 1999, Kan has served as executive vice president of AFLAC U.S. internal operations, where his responsibilities include the administration of AFLAC's U.S. insurance operations. In his new capacity, he will oversee all operations of AFLAC in Japan.

Amos received a bachelor's degree in economics from Duke University and a master's of business administration from Emory University. He also earned a juris doctorate from Tulane University. Amos joined AFLAC in 2002 as state sales coordinator of Georgia North. Today Georgia North ranks number one among all of AFLAC's 87 state operations in terms of total new annualized premium sales and has produced a 26% increase in new sales for the first nine months of 2004.

"I look forward to working with Aki and Paul in their new roles for years to come, and I believe they will enhance our management team and strengthen our organization," said AFLAC Incorporated Chairman and CEO Daniel P. Amos. "I am also pleased with Charles' leadership in the policy area. As a former director of Japan affairs for the office of the U.S. Trade Representative, Charles will be a great advocate for U.S. insurers at a time when the insurance industry faces the unique challenges presented by deregulation of banking distribution and Japan's postal insurance system.

"Aki has extensive knowledge of the Japanese market and our operations in Japan. He has produced a lengthy record of success in Japan and the United States during his career with AFLAC, and he leaves AFLAC U.S. in a very strong position from an administrative standpoint. At the same time, Paul brings discipline that will enable us to continue improving our operating efficiency. We can also benefit from his first-hand knowledge of the U.S. market and the management techniques that have led to Georgia North becoming our top state operation. These men have the skills, drive and energy that will help us maintain our market-leading positions in both the United States and Japan and promote synergy within our operations."

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 http://www.aflac.com.

Analyst and investor contact - Kenneth S. Janke Jr., (800) 235-2667 - option 3, FAX: (706) 324-6330, or kjanke@aflac.com

Media contact - Laura Kane, (706) 596-3493, FAX: (706) 320-2288, or lkane@aflac.com