Exhibit 23.1


                         INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this Registration Statement of
AFLAC Incorporated on Form S-8 of our report dated February 2, 2004 relating to
the consolidated balance sheets of AFLAC Incorporated and subsidiaries as of
December 31, 2003 and 2002, and the related consolidated statements of
earnings, shareholders' equity, cash flows, and comprehensive income for each of
the years in the three-year period ended December 31, 2003, and all related
financial statement schedules, which appear in the Annual Report on Form 10-K of
AFLAC Incorporated Annual Report for the year ended December 31, 2003.




/s/ KPMG LLP


Atlanta, Georgia
May 3, 2004