2020 AFLAC HONOR CLUBS AND REWARDS - RECOGNIZING TOP PRODUCERS

ASSOCIATES

Surf,shine
& sunsets
2021 Aflac Convention PRESIDENT’S
San Diego, CA CLUB
An Unparalleled Experience
25 29

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 JOIN US AND HELP GIVE WINGS TO HOPE. AFLACCHILDHOODCANCER.ORG

Confidential and Proprietary. For Internal Use Only. Do Not Distribute. These materials contain proprietary information
and material that is owned by Aflac and/or its licensors, and is protected by applicable intellectual property and other
laws, including but not limited to copyright. By accessing these materials, you agree that you will not use such
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materials. Any use not specifically permitted herein shall be considered to be a material breach of your Agent’s contract
with Aflac and is strictly prohibited. Any use not specifically permitted herein is strictly prohibited and may subject you
to civil and criminal penalties, including possible monetary damages and termination of your agreement with Aflac.

CT1907726 2 Exp. 12/20

TABLE OF CONTENTS
2 Convention Preview: San Diego

5 Message from the Director of Sales

7 Key Changes

9 General Guidelines

15 Associate Bonus Program – Triple Crown

19 Associate Bonus Program – VIP

25 2021 National Convention

29 2021 President’s Club

33 Top Ten Awards

35 Founders Week

36 Aflac Million Dollar Club

2 29 35
PAGE PAGE PAGE

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4 2
 USS Midway Museum
The longest-serving aircraft carrier in the world
has been permanently moored at San Diego’s
Embarcadero since 2004. Commissioned in 1945,
the USS Midway served in the Vietnam War and
Operation Desert Storm, before becoming the
largest museum dedicated to aircraft carriers and
naval aviation anywhere.

San Diego Zoo

The San Diego Zoo is located in Balboa Park
and houses more than 3,500 animals with
over 650 species and subspecies.
La Jolla Cove
A small, picturesque cove and beach
surrounded by cliffs, La Jolla Cove is
protected as part of a marine reserve.
Underwater, it is very rich in marine life and
is popular with snorkelers, swimmers and
scuba divers.

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 ANDY GLAUB
Senior Vice President
Director of Sales

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 Making Milestones

What an exciting time to be with Aflac. This year, we celebrate the 65th anniversary of
the company’s founding, 25 years supporting the Aflac Cancer Center and our beloved
Aflac Duck turns 20 years old.

While we commemorate these significant milestones, we also salute you, the people
who’ve made it all possible. Whether you're a new agent or a 35-year veteran, you’ve
played a vital role in the history of our company. After all, nothing happens at Aflac until
a sale is made.

The 2020 Honor Clubs are a tribute to your hard work and dedication. They’re a reminder
that with Aflac, anything is possible. You’re in charge of your success. So dream big.

Set your sights on Convention and President’s Club. Capture your VIP bonus. Make your
mark by achieving Triple Crown.

Wherever your Aflac journey takes you in 2020, rest assured, we’ll help you celebrate
every step of the way.

Sincerely,

ANDY GLAUB
Senior Vice President
Director of Sales

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 20TH ANNIVERSARY
The Aflac Duck’s first commercial, “Park Bench,” aired on Jan. 1, 2000. It was
a hit. The Duck was an even bigger one. Since then, the Duck has become
an international celebrity, a world-renowned sales rep, a television star and an
advertising icon. Along the way, he helped boost Aflac’s awareness from 10%
to 85%, making him a driving force for brand knowledge and connection. And
the Duck? His fame grew, too. In fact, the Aflac Duck is one of the 10 most-
recognizable brand icons in the United States.

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 General Guidelines
Key Changes and
Key Changes

The 2020 Honor Clubs and Rewards have changed to better reward you. These honors are
evaluated each year to make sure they give you the cash and prizes you want most. Some of
these key changes include:

• First-year series is now only for associates/rookies with 52 weeks of

service or fewer.
• Second-year transition series will continue for associates within
Triple Crown
53-104 weeks during the 2019 calendar year (weeks 1-52).
• Higher payout amounts for new account bonus achievements.

• Eligibility for associates 53 weeks or greater.

• New minimum AP requirements for Tier I and Tier II.
• New growth rate for Tier II and Tier III.
VIP
• New Account requirement added.
• Qualification is based on Traditional AP.
• Payout based on Traditional and Group commissionable AP.

President’s Club • Additional Associate Board of Director category has been added.

Convention • Additional Associate Amos Award category has been added.

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10 8
 General Guidelines
The guidelines governing all Aflac Honor Clubs and Rewards are designed to give all associates and
coordinators an equal and fair opportunity to qualify for awards.
Effective date
The 2020 Honor Clubs and Rewards booklet is
effective for the 2020 sales incentive programs
and the specified time frames for each. This
supersedes Aflac’s 2019 Honor Clubs and Rewards
booklet (N180568A) and any other Honor Clubs
and Rewards booklets issued previously. The
criteria displayed in this book are for reference
only and may be changed at any time at the sole
discretion of Aflac. Please refer to Field Force
Services > Rewards & Recognition > Honor Clubs
for the most current criteria. The online version
supersedes any Honor Clubs and Rewards
booklets issued previously.
Participation
Participation in any Aflac Honor Clubs and
Rewards program is voluntary. All awards
valued at $25 or greater are considered income
and are reported to the Internal Revenue Service.
Qualification
Qualification for Aflac Honor Clubs and Rewards
is based on total gross annualized premium (AP)
produced for Aflac Traditional, Aflac New York
and Aflac Group new business with a no-pay
rate of 13.04% or less (unless otherwise noted in
the specific contest criteria). Note: Aflac Group
policies are not included in the no-pay rate.
All potential qualifiers are subject to verification.
Any holds or garnishments could result in the
disqualification of a contest or a change in the
cash prize. The qualifier must possess an active
open level to be considered a qualifier; qualifiers
are assessed at their highest active level (unless
otherwise noted in the specific contest criteria).
If a person qualifies for a contest in which a trip
or a cash prize is the award and is no longer
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in a 1099 role, is terminated or is not in good
standing before the trip or receiving the cash,
they are not entitled to attend the trip or receive
any other form of compensation. In the event
of a role change/promotion to a W-2 employee,
outright qualification prior to the role change will
be honored. Aflac Honor Clubs and Rewards
are for qualifiers only. Under no circumstances
is a substitute allowed, and awards are not
transferable. Only one award will be given per
qualifier. Awards are subject to availability and
may be changed without notice at Aflac’s sole
discretion.
Giving, splitting or receiving business for the
purpose of contest qualification is strictly
prohibited. Aflac will initiate an investigation
if contest manipulation is suspected, and all
persons involved in any such manipulation will
be disqualified. Disciplinary actions range from
suspension up to and including termination of
your agreement to represent Aflac.
Contest start date/week
A new producer’s participation in the Honor Clubs
program is determined by the contest start date.
The contest start date, also called the entry week,
is established in one of two ways:
• 60 days from the contract date.
OR
• The first week that gross new annualized
premium is processed, whichever occurs first,
unless otherwise noted in the specific contest
criteria/requirements.
Qualification guarantee day
For contest purposes, the guarantee day for each
production week is Wednesday (unless otherwise
noted in the contest rules or as communicated).
All clean business that does not pend for any
reason must be received at Aflac headquarters
by the close of the qualification period to ensure
processing based on cutoff times below:
• Paper applications received by 5:00 p.m.
Eastern time.
• Electronic transmissions released by
11:59 p.m. Eastern time.
For business to count for contest qualification,
it must be processed or issued by the close of
the qualification period. Please note that Friday
is usually the day each production week closes,
except at the end of each quarter and during
production weeks that end special contest
qualification periods or Power Weeks. Note that
Aflac Group guarantee dates differ from Traditional
business guarantee dates. All guarantee dates
for Traditional and Group business are routinely
communicated on Field Force Services.
No-pay rate
The no-pay rate measures the percentage of
policies issued for which premiums are not
received during the first 13 weeks after the policy
effective date, or 17 weeks for Aflac New York-
issued policies. At the end of the qualification
period for all contests, your no-pay rate must
be 13.04% or less to qualify, unless otherwise
specified in the contest criteria. Aflac Group
policies are not included within the no-pay
calculation. To help you understand the term
no-pay rate, you need to understand another
important term: paid-to date. Paid-to date refers
to the premium due date of a policy.
A policy will be considered not paid if the paid-to
date is equal to the effective date of the policy.
This is a no-pay status. Your no-pay rate compares
the total number of policies issued to the number
of policies receiving a no-pay status within the
calculation period. Policies enter the no-pay rate
calculation 13 weeks (17 weeks for Aflac New York)
10
after the policy effective date and become part of
a rolling 52-week calculation.
Example: A policy with an effective date Week 1
enters the no-pay calculation during Week 14 and
remains in the calculation through Week 13 of the
following year. During Week 14 of the following
year, it cycles out of the calculation.
Once enough premium is received and applied
to advance the paid-to date, the policy will
change to a paid status. It will then begin
positively impacting your no-pay rate as long as
the policy is still within the calculation period.
Conversely, if a paid policy is terminated as of
the effective date and premiums are refunded,
that policy will change to a no-pay status and
will begin negatively impacting your no-pay rate
as long as the policy is still within the calculation
period.
The no-pay rate updates at the close of each
production week and is calculated by dividing
the number of nonpaid policies by the number
of total policies in the calculation period. Policies
are summed based on the fractional percentage
credited to the associate and coordinator, as
indicated on the transmittal.
Example: 25.8 nonpaid policies divided by 315.3
total policies = 8.18% no-pay rate.
No-pay relief for exceeding production
target/goal:
• At least 140% AP achievement, no-pay between
13.05% - 13.99%.
• At least 150% AP achievement, no-pay between
14% - 14.99%.
• Excludes Amos Awards and Convention
Upgrades, President’s Club and Top Ten contests.
Coordinator-in-training qualification
Coordinators in training must qualify for any Honor
Clubs and Rewards based on associate criteria (i.e.,
business processed at Level 01).
Agency/corporation qualification
Agencies and corporations with more than one
producer (multiple-producer entity) agreements
are ineligible for all Aflac Honor Clubs and
Rewards. A new, single-producer entity is eligible
to participate in Aflac’s Triple Crown Series and
Founders Week only, based on associate criteria
(i.e., business processed at Level 01). If at any
time additional producers are added, the entity
then becomes ineligible for all contests. For
contests where qualification criteria includes new-
associate premium, business produced by a new,
multiple-producer entity counts as new associate
premium only through the 52nd week of service
from the contest start date.
New associate/rookie
A new associate/rookie is a producer with 52
weeks of service or fewer from their contest
start date, unless otherwise stated within a
specific contest.
Veteran associate
A veteran associate is a producer with 53 weeks
or more of service at the end of a contest
qualification period, unless otherwise stated
within a specific contest.
Promotion/demotion
Level changes are defined as promotions and/or
demotions (voluntary or involuntary step-down).
Please see specific contest/bonus guidelines for
details.
Six-week rule (FAME and NASB credit)
• FAME credit for Super Fast Start-All Star Series
is given to the SIT Code 0 DSC who has been
in place for six consecutive weeks at the time
the associate qualifies.
• If the associate has not been assigned to a DSC
for at least six consecutive weeks at the time of
qualification AND a previous DSC never existed,
the credit goes to the current SIT Code 0 DSC
and hierarchy.
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• If the associate has not been assigned to a DSC
for at least six consecutive weeks at the time of
qualification AND a previous DSC existed who
was in place at least six weeks AND is still an
active DSC, that previous SIT Code 0 DSC and
hierarchy receive the credit.
– EXCEPTION: If a DSC is promoted to RSC and
his or her DSC contract remains open, the
new SIT Code 0 DSC will be given credit
for all Fireball/Star Series qualifications
occurring under the new district from the
promotion week forward.
• If the associate has not been assigned to a DSC
for at least six consecutive weeks at the time of
qualification AND the previous DSC was not in
place for six consecutive weeks, the current SIT
Code 0 DSC and hierarchy receive the credit.
• Personally producing DSCs who are eligible
for the First Year Series contest will receive
FAME credit for their own First Year Series
qualifications if:
– They were hired directly as a DSC.
OR
– If their contest start date is equal to or greater
than the start date of the DSC promotion.
OR
– If there is no previous DSC.
In-force premium
In-force premium refers to policies that are active
and currently paying premiums. 
Conversion production
Conversion premium is counted for all contests
as gross new annualized premium, and business is
credited to production at the time the conversion is
processed, even if it is placed in a delayed billing
status. The only production credit applied for
contests is the difference in premium between the
old and new policy. When a policy is converted in
its first year, no production credit is given for the
conversion.
Production credit for agent payroll account
Production credit will be suppressed for agents
who write repeat business on themselves or any
other applicant on the agents’ payroll or any
home office account. This applies to business
written on the agent and any other person (i.e.,
spouse, dependent, office worker, etc.) who has
a previous policy of the same line of business
on any home office account. Producers will only
get production credit for writing policies on
themselves or any other applicant one time per
line of business, even if the policy was canceled
and then reinstated. Producers will still receive
commissions on the policies.
Production credit for Aflac Group Business
Production credit for Aflac Group business will only
be credited at the Level 01 for commissionable
business. If no commissions are received at
the Level 01 then no production credit will be
provided for contest purposes.
Production credit for Aflac Group business
will only be credited one time. If a certificate
is re-written for the same line of business no
production credit will be applied for contest
purposes even if no premium was received on
the original certificate.
Split-business credit
Giving, splitting or receiving business for the
purpose of contest qualification is strictly
prohibited. When business is split among
producers, production is credited according
to percentage of the split.
Disqualification
Aflac reserves the right to disqualify anyone from
any contest at any time if justifiable cause is
determined according to the contest qualifications
and headquarters’ discretion. If a contest qualifier
is determined to have qualified for the contest
under fraudulent reasons and has received the
award, Aflac reserves the right to charge back for
the financial value of the award.
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Trip guidelines
Contest-related trips are intended to honor,
educate and entertain our best producers.
To make the experience as pleasant and
rewarding as possible for everyone, anyone
engaging in disorderly or unruly conduct at any
time during a company-sponsored trip may, at
Aflac’s discretion, be excluded from the remaining
events and activities and asked to leave the
venue at the qualifier’s expense.
Guests
Guests are not necessarily included or permitted
on an incentive program trip. If the qualifier may
bring a guest, this information will be specifically
stated within the program rules and the registration
process for each trip.
The guest cannot be a member of the Aflac
field force or an employee, unless they are an
immediate family member or meet the criteria
of a significant relationship as stated below. An
immediate family member is defined as legal
spouse/member of a civil union/registered
domestic partner, parent who stood in loco
parentis to the sales professional, sibling or adult
child. No guests under the age of 18 (including
infants) are allowed.
When a guest is in a significant relationship with
the qualifier but not legally married or otherwise
defined as an immediate family member, and the
guest is a member of the field force or an Aflac
employee, we will require validation.
Aflac will need proof consisting of one of the
following:
• A copy of each person’s driver’s license
showing they live at the same address.
OR
• Mortgage statement or rental agreement
showing they live at the same address.
OR
• A copy of a household bill showing their
residency together is also acceptable.
Termination prior to trip
If a person qualifies for a contest in which a trip is
the award and is terminated or on 30-day notice
as an Aflac associate before the trip, they are not
entitled to attend the trip or receive any other
compensation.
Transportation
Aflac purchases airline tickets in bulk at
large discounts. Generally, the tickets are not
refundable, either to the qualifier or to the
company. Once a ticket is issued, it may not be
transferred to another individual. Cancellation
of any Honor Clubs trip after tickets have been
issued will result in the value of these tickets
being added to the qualifier’s 1099. The qualifier
does not need to return the tickets. The value of
other items such as hotel room, tours and food are
also subject to being added to the qualifier’s 1099
if Aflac incurs costs related to the cancellation.
Cancellation of President’s Club or the National
Convention trip after airline tickets have been
issued will void the monetary prize substitution
normally given in lieu of the trip. The qualifier
does not need to return the tickets. No other
compensation will be provided.
Airlines now require, without exception, photo
identification to be certain that the person
ticketed is the same person checking in to board
the aircraft. You must decide early who will
accompany you. No change for any reason is
possible once the ticket is issued.
If a qualifier chooses to alter travel arrangements
made by Aflac, they are fully responsible for their
own arrangements. Aflac’s Travel, Meetings and
Incentives department books airline reservations
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for the qualifier according to the arrival and
departure dates for the event. After qualifiers
receive their airline tickets, they may deal directly
with the airline reservation/ticketing office to
alter travel plans as they desire. Qualifiers are
responsible for any additional fees imposed by
the airline to change travel dates or to upgrade
airline tickets. If a qualifier chooses to drive
to any incentive trip, the maximum mileage
reimbursement is 400 miles each way per qualifier
at the current allowable IRS rate or the cost of an
airline ticket, whichever is less.
Qualifiers who do not show up to any Aflac Honor
Clubs and Rewards trip may have the entire value
of the trip added to their tax Form 1099.
Prize substitutions
If a qualifier, for whatever reason, plans not to
attend the President’s Club trip, the qualifier will
be given $1,000 in lieu of the trip. If a qualifier, for
whatever reason, plans not to attend the National
Convention trip, the qualifier will be given $500
in lieu of the trip. If the qualifier cancels the trip
after airline tickets have been issued and they are
nonrefundable, the qualifier is allowed to keep
the airline tickets but forfeits the monetary prize
substitution. The qualifier must contact the airline
before the original travel dates for future travel
options using the tickets.
This cash compensation does not apply to any
other Aflac Honor Clubs and Rewards trip and
will not be issued until after the conclusion of the
trip activities. Qualifiers for all other Aflac Honor
Clubs and Rewards trips who do not attend will
forfeit their trip, and no other compensation will
be offered.
 TRIPLE CROWN
RETURNS TO COLUMBUS
An unforgettable trip to Columbus, Ga. — the home of Aflac Worldwide
Headquarters — awaits Triple Crown award winners. Tour the Aflac
campus, take part in exclusive sales seminars and be honored by
senior sales leaders at the prestigious Triple Crown Awards Banquet.

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 Program - Triple Crown
Associate Bonus
Qualification period:
Based on the associate’s contest start date.
• First-year series: Weeks 1-52.
• Second-year transition series: Weeks 53-104.

Eligibility:
New Associate/Rookie (Weeks 1-52):
• First-year series.
• Qualification is based on personal production of Aflac Traditional gross annualized
premium.
• The tiered no-pay rate for new associates only applies to the levels indicated within
the Triple Crown First-Year Series.

Second-Year Associate Transition Series (Weeks 53-104):

• Second-year series.
• Qualification is based on personal production of Aflac Traditional and Aflac Group
gross annualized premium.
• Only associates within 53-104 weeks during the 2019 calendar year (weeks 1-52) will
continue in the second year series until their 105th week.

Broker qualification (New single-producer brokers):

• First-year series.
• Only business processed at Level 01 will count toward contest qualification.

Promotion/demotion:
• All reinstated producers who had at least a one-year lapse in service will again be
eligible for the entire Triple Crown Series.
• Producers hired directly to DSCs or those producers promoted to DSC may
complete the entire Triple Crown Series but will not be eligible for the DSC New
Agent Success Bonus payout on themselves.
• Promotions from associate level to any level other than DSC are not allowed to
complete the entire Triple Crown Series.

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Payment:
• Payments will be processed approximately 30 days after achievement.
• Payments must be reviewed and approved by Aflac Trust prior to payout.

Plaque/plate:
A plaque will be awarded the first time a series level of Fireball or higher is achieved. Each
subsequent achievement will result in an award of a plate for the level achieved to be attached
to the plaque.

New-account bonus:
• Both the annualized premium and the new-account requirements must be met prior to the close
of the qualification week in order to receive the new-account bonus.
• If an associate does not achieve the series level annualized premium requirements but achieves
the required new accounts, a new-account bonus will not be paid.
• If an associate achieves the annualized premium requirement but fails to achieve the new-
account requirement, they will still receive the annualized premium bonus payout and awards
for that level.
• Series-level qualification will be earned based on annualized premium and no-pay requirements.
• For contest purposes, new account refers to any account that meets all the new-account
guidelines established, including:
-- Three or more unique policyholders with new policies issued.
-- Existing policies that are transferred to the account will not fulfill the policies issued criteria.
-- Sub-accounts (those linked to master accounts) will not provide credit for this criteria.
-- Only the associate listed as the original servicing agent will be credited as the account opener.

CONTEST START DATE

All levels in Triple Crown are based on the contest start date, also called the entry
week. The contest start date is established in one of two ways: 60 days from the
contract date OR the first week that Traditional gross new annualized premium
is processed, whichever occurs first.

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Triple Crown – First-Year Series

Qualification
Period AP AP New-Account New-Account
Series Level No-Pay Rate1 Award
(Based on contest Requirement2 Bonus Requirement4 Bonus
start date)

500 Personalized
Within first
Fast Start N/A $5,000 N/A N/A N/A Business Cards;
four weeks
Certificate

Within first Super

N/A $15,000 $2003 2 $1,0003 Certificate
eight weeks Fast Start

Within first
Fireball N/A $25,000 $3003 3 $1,5003 Plaque / Plate
13 weeks

Week 26 Super Fireball 20% $50,000 $5004 7 $2,0004 Plaque / Plate

Trip to Aflac
headquarters for
Week 39 Triple Crown 16% $80,000 $7004 11 $2,5004 you and a guest5,6
and a
Plaque / Plate

Week 52 All-Star 13.04% $120,000 $1,0004 15 $4,0004 Plaque / Plate5

Total Potential Bonus for TRIPLE CROWN – FIRST-YEAR SERIES = $13,700

1
Aflac Group policies are not included in the no-pay rate.
2
AP and new-account credit only include Aflac Traditional.
3
The Super Fast Start and Fireball cash bonuses will be assessed and paid upon achievement, up to the close of the series level’s qualification period, based
on contest start date.
4
The Super Fireball, Triple Crown and All-Star cash bonuses will be assessed and paid following the close of the series level’s qualification period (based on
contest start date), regardless of the week of achievement.
5
Qualification for the Triple Crown trip requires the AP and new-account requirement to be met. If you miss qualifying for the Triple Crown trip at the Triple
Crown Series level, but qualified for All-Star AP and New Accounts, you have a second chance to qualify for the Triple Crown trip.
6
One Triple Crown trip will occur in 2020, October 1-4, 2020. The qualification period for this trip will end at the close of Week 26, 2020. Qualifications that
occur Week 27, 2020 to Week 52, 2020 will be assessed for attendance of the first Triple Crown Trip of 2021 (dates to be determined).
Note: Associate will transition to the Veteran Series at week 53 if they began the year in the first-year series.

Triple Crown – Second-Year Transition Series

Qualification
Period AP AP Bonus New-Account New-Account
Series Level No-Pay Rate1
(Based on contest Requirement2 and Award3 Requirement4 Bonus3
start date)

$600 Bonus;
Week 65 Bronze Star 13.04% $35,000 4 $1,200
Plaque / Plate

$800 Bonus;
Week 78 Silver Star 13.04% $75,000 8 $1,600
Plaque / Plate

$1,000 Bonus;
Week 91 Gold Star 13.04% $120,000 12 $2,000
Plaque / Plate

$1,500 Bonus;
Week 1045 Platinum Star 13.04% $180,000 16 $3,000
Plaque / Plate

Total Potential Bonus for TRIPLE CROWN – SECOND-YEAR SERIES = $11,700

1
Aflac Group policies are not included in the no-pay rate.
2
Aflac Traditional and Group AP.
3
All cash bonuses will be assessed and paid following the close of the qualification period (based on the contest start date), regardless of the week
of achievement.
4
Aflac Group accounts are not included in the new account credit.
5
Associate will transition to the Veteran Series at week 105 if they began the year in the second-year transition series.

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 YOU’VE EARNED IT
As a veteran agent, you’ve honed your skills and delivered the Aflac promise
time and time again. Your knowledge and experience make you one of
Aflac’s most valuable assets. The Veteran Incentive Program recognizes your
dedication and growth with an exclusive bonus opportunity. You’ve earned
your VIP status — now earn your reward.

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 Associate Bonus
Program - VIP
Qualification period:
• Quarterly and annually.
• Based on current production year.

Eligibility:
• Weeks 53+, based on the associate’s contest start date.
• A veteran associate eligible for Triple Crown second-year transition series
will be eligible for VIP at 105 weeks.
• Qualification is based on personal production of Aflac Traditional gross
annualized premium.

Payments:
• Are based on Aflac Traditional and Group commissionable AP.
• Will be processed approximately 30 days from quarter-end.
• Must be reviewed and approved by Aflac Trust prior to payout.

Contest start date:

VIP is based on contest start date, also called the entry week. The contest start date is
established in one of two ways: 60 days from the contract date OR the week the first
gross new annualized premium is processed, whichever occurs first.

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VIP quarterly criteria
Qualification Period Qualification Requirement1 Quarterly Payout3

TIER I – Less than $55,000

10% growth year over year in traditional

AP for the quarter
AND
2 New Accounts
AND
Less than or equal to 13.04% no-pay2
AND
Minimum $35,000 in quarterly new AP.

TIER II – $55,000-$74,999.99

Quarterly 7.5% growth year over year in traditional 1% of actual quarterly AP.
AP for the quarter
AND
1 New Account
AND
Less than or equal to 13.04%
no-pay.2

TIER III – $75,000 and above

5% growth year over year in traditional

AP for the quarter
AND
Less than or equal to 13.04%
no-pay.2

1
Traditional AP.
2
Aflac Group policies are not included in the no-pay rate.
3
Actual quarterly AP includes both traditional and group commissionable AP.

VIP annual AP criteria

Qualification Period Qualification Requirement1 Annual Payout3

TIER I

10% growth year over year in annual AP

AND
Less than or equal to 13.04% no-pay2
AND
Minimum $100,000 in annual AP.

TIER II • 1 VIP – 0.5% of annual AP.

• 2 VIPs – 1% of annual AP.
Annual 7.5% growth year over year in annual AP • 3 VIPs – 3% of annual AP.
AND
• 4 VIPs – 5% of annual AP.
Less than or equal to 13.04% no-pay2
AND
Minimum $200,000 in annual AP.

TIER III

5% growth year over year in annual AP

AND
Less than or equal to 13.04% no-pay2
AND
Minimum $300,000 in annual AP.

1
Traditional AP.
2
Aflac Group policies are not included in the no-pay rate.
3
Actual annual AP includes both traditional and group commissionable AP.

20
Tier I examples
VIP quarterly bonus

Qualification Goal New-Account New-Account Payout

Quarter Previous year AP Actual Payout Rate
Status AP plus 10% Goal Actual Amount

1 Achieved $35,000 $36,100 2 2 1% $361

2 Missed $37,250 $35,000 2 3 0% $0

3 Achieved $40,500 $42,275 2 2 1% $423

4 Achieved $44,450 $46,600 2 5 1% $466

Total 3 Qualifications $1,250

VIP annual bonus

Annual Goal Annual Bonus
Annual Traditional Payout Rate Annual Bonus Total VIP
Previous year Qualification
AP plus 10% AP Actual on AP Actual Amount Bonus1
Achieved
3 quarterly
$157,200 $159,975 Yes $4,799 $6,049
VIPs = 3%

1
Total VIP bonus includes all quarterly and annual bonus payout amounts.
Note: Year-over-year comparison is AP produced at the 01 level.

VIP quarterly bonus

Qualification Goal New-Account New-Account Payout

Quarter Previous year AP Actual Payout Rate
Status AP plus 10% Goal Actual Amount

1 Achieved $35,000 $36,100 2 4 1% $361

2 Missed $37,250 $35,000 2 1 0% $0

3 Achieved $40,500 $42,275 2 3 1% $423

4 Missed $44,450 $25,000 2 2 0% $0

Total 2 Qualifications $784

VIP annual bonus

Annual Goal Annual Bonus
Annual Traditional Payout Rate Annual Bonus Total VIP
Previous year Qualification
AP plus 10% AP Actual on AP Actual Amount Bonus1
Achieved

$157,200 $138,375 No Did not qualify. $0 $784

1
Total VIP bonus includes all quarterly and annual bonus payout amounts.
Note: Year-over-year comparison is AP produced at the 01 level.

21
Tier II example
VIP quarterly bonus
Goal
Qualification New-Account New-Account Payout
Quarter Previous year AP Actual Payout Rate
Status Goal Actual Amount
AP plus 7.5%

1 Achieved $67,881 $72,200 1 2 1% $722

2 Achieved $64,575 $69,025 1 1 1% $690

3 Achieved $62,600 $67,715 1 3 1% $677

4 Achieved $68,250 $69,500 1 2 1% $695

Total 4 Qualifications $2,784

VIP annual bonus

Annual Goal Annual Annual Bonus
Payout Rate Annual Bonus Total VIP
Previous year Traditional Qualification
on AP Actual Amount Bonus1
AP plus 7.5% AP Actual Achieved
4 quarterly
$265,306 $278,840 Yes $13,942 $16,726
VIPs = 5%
1
Total VIP bonus includes all quarterly and annual bonus payout amounts.
Note: Year-over-year comparison is AP produced at the 01 level.

Tier III example

VIP quarterly bonus
Goal
Qualification New-Account New-Account Payout Payout
Quarter Previous year AP Actual
Status Goal Actual Rate Amount
AP plus 5%

1 Missed $76,543 $75,200 0 2 0% $0

2 Achieved $78,650 $81,309 0 1 1% $813

3 Missed $80,000 $77,715 0 3 0% $0

4 Achieved $81,900 $100,000 0 4 1% $1,000

Total 2 Qualifications $1,813

VIP annual bonus

Annual Goal Annual Bonus
Annual Traditional Payout Rate Annual Bonus Total VIP
Previous year Qualification
AP Actual on AP Actual Amount Bonus1
AP plus 5% Achieved
2 quarterly
$317,093 $334,224 Yes $3,342 $5,155
VIPs = 1%
1
Total VIP bonus includes all quarterly and annual bonus payout amounts.
Note: Year-over-year comparison is AP produced at the 01 level.

22
VIP level change guidelines

Level VIP

Coordinators who are demoted are eligible immediately and are no

longer required to wait 52 weeks from the date of demotion.
DSC If a demotion occurs • Must meet minimum quarterly requirements of $35,000 in
RSC during the contest: new traditional AP or 10% growth year over year, whichever
is greater.
• Year-over-year comparison is AP produced at the 01 level.

Level Annual Bonus

Eligibility for the Annual VIP Bonus is based on the following criteria:
If a demotion occurs
• Minimum of one quarterly VIP achieved.
OR
Associate • AP minimum requirement prorated to $25,000 per quarter or
If an associate
DSC 10% year-over-year growth, whichever is greater, on quarters
transitions to veteran
RSC with a veteran associate status.
status during the contest:
• Payout is based on AP on quarters with a veteran associate
status.

Aflac at your fingertips

Track your contest
progress.
File claims.
Submit nominations.

Download Aflac Agent Hub from the Apple App Store or Google Play.

23
 SURF, SHINE
& SUNSETS
There’s a place where the sea meets the sky and the
possibilities are as endless as the ocean breeze. San
Diego, home to Aflac National Convention 2021.

Enjoy a night out in the famous Gas Lamp quarter. Explore

the iconic San Diego Zoo or simply relax while enjoying
everything San Diego has to offer.

San Diego has something for everyone, but during

National Convention, Aflac has reserved America’s finest
city for the company’s finest performers.

24
2021 National Convention
San Diego, California; April 15-19, 2021
Qualification period: Weeks 1-52, 2020
Length of contest: 52 Weeks
Eligibility: Associate (excluding broker)

Level Qualification Requirement Qualification Criteria Awards

All new associates1 have the same

$200,000 gross AP qualification requirement. The target will
New
AND be prorated for new associates starting
Associate1 Week 1, 2020, through Week 15, 2020. See
Less than or equal to 13.04% no-pay.2
prorated table for additional clarification.
• Convention trip.
$275,000 gross AP
• Convention trophy.
AND

National Convention
Less than or equal to 13.04% no-pay2
Veteran
OR
Associate1

2021
A veteran may qualify by achieving 4 of 4 VIPs3
AND
Must achieve a minimum of $220,000 gross AP.

1
New Associate is defined as an associate with 52 weeks or less at the start of the qualification period. Veteran Associate is defined as an associate
with 53 weeks or greater at the start of the qualification period.
2
The no-pay rate must be 13.04% or less at Week 52 to qualify. Aflac Group policies are not included in the no-pay rate.
3
To be considered for Convention qualification, all VIP manual adjustments must be received by the close of Week 4, 2021.
Note: Level 01 gross AP is based on Traditional and Group commissionable AP.

25
Amos Awards
Level Qualification Requirement1 Qualification Criteria

• Associate recognized as Convention President five times during Aflac career.

President Emeritus • Once recognized as President Emeritus, the qualifier will be retired and cannot be
named to any other Convention office position thereafter.

Convention President • Veteran associate2 with highest gross AP.

Convention Executive
• Veteran associate2 with second-highest gross AP.
Vice President

• Top veteran associate qualifier in each territory with highest gross traditional AP (3-99).
• If awarded Convention President or Convention Executive Vice President, you are
ineligible for Chairman’s Council.
Associate Chairman’s Council
• For territories from which Convention President and Executive Vice President are
appointed, the second- or third-place associate with the highest gross traditional AP
(3-99) will be named for that territory.
• T op associate qualifier in each territory with highest gross AP.
• If awarded Convention President or Convention Executive Vice President, you are
ineligible for Convention Vice President.
Convention Vice Presidents
• For territories from which Convention President and Executive Vice President are
appointed, the second- or third-place associate with the highest gross AP will be
named for that territory.

• Rookie associate3 with highest gross AP.

Convention Rookie
• Rookie associate is also eligible for Convention Vice President award.

1
To be eligible for any Amos Award, you must first meet Convention qualification criteria.
2
Veteran associate is defined as an associate with 53 weeks or greater at the start of the qualification period.
3
Rookie associate is defined as an associate with 52 weeks or less at the end of the qualification period.

Convention promotion and demotion guidelines1

Level Promotion

Meet all published criteria at associate level,

If a promotion occurs during
the contest, there are two ways
to qualify during the year of
promotion:
Associate
including personal production at Level 01 written If both level qualifications
after promotion. are achieved, then
qualification will be honored
Meet all published criteria at new or promoted at the highest active level.
level, regardless of time in position.
Demotion

If a demotion occurs during

Meet all published criteria at the demoted level Demotion is defined as
the contest period, the
when contest period ends. voluntary or involuntary.
associate must:

1
If an associate and/or coordinator is promoted and demoted back to the original level within a 52-week period, qualification will be assessed
at original level for the entire contest as if no level change occurred. This also applies to a demotion followed by a promotion back to the
original level within a 52-week period.

26
Proration
Gross AP requirement proration is given to new associates during the contest period (demotions
are excluded). For proration purposes, the contest entry date is based on contract date, not based
on adjusted contest date. Your contract date is used in Convention to establish your eligibility in
the contest. Gross AP requirement reduction is based on contest start date and week the new
associate enters the contest period at that level. Proration will occur during Weeks 1-15, 2020. No
further proration will occur after Week 15, 2020. If the contest start date and week is after Week 15,
2020, the minimum qualification will equal Week 15, 2020, proration regardless of start date.

Associate proration chart

Contest Start Week Convention Gross AP

Week 52, 2019, and before $200,000

Week 1, 2020 $196,154

Week 2, 2020 $192,308

Week 3, 2020 $188,462

Week 4, 2020 $184,615

Week 5, 2020 $180,769

Week 6, 2020 $176,923

Week 7, 2020 $173,077

Week 8, 2020 $169,231

Week 9, 2020 $165,385

Week 10, 2020 $161,538

Week 11, 2020 $157,692

Week 12, 2020 $153,846

Week 13, 2020 $150,000

Week 14, 2020 $146,154

Week 15, 2020 and after $142,308

Proration per Week $3,846.15

Note: Proration is only for new associates and does not apply to demotions.

27
 AN UNPARALLELED
EXPERIENCE
All aboard! Qualifiers for Aflac’s most elite Honor Club will chart a course for
Key West and the Cayman Islands onboard one of the world’s most luxurious
cruise liners — the Regent Seven Seas Navigator. Five nights of impeccable
service, exquisite cuisine and breathtaking ocean views await. So, heed the
advice of Mark Twain and “throw off the bowlines. Sail away from safe harbor.
Catch the wind in your sails. Explore. Dream. Discover.” When you do, you’ll
arrive at Aflac President’s Club.

28
2021 President’s Club
Regent Seven Seas Navigator; May 11-16, 2021
Embarking in Miami, Florida and traveling to Key West and the Cayman Islands
Qualification period: Weeks 1-52, 2020

President's Club
Length of contest: 52 Weeks

2021
Eligibility: Associate (excluding broker)
Top Ten
Level Qualification Requirement1 Qualification Criteria Award

Top-85 performers with the highest • President’s Club trip.

gross AP • President’s Club trophy.
Associate N/A
AND
• President’s Club business cards
Less than or equal to 13.04% no-pay.2 (250) and stationery.

Outright qualifiers at the close of Week 52 will not be eliminated by additional qualifiers being identified. All other General Guidelines apply.
1

The no-pay rate must be 13.04% or less to qualify. Aflac Group policies are not included in the no-pay rate.
2

Note: Level 01 gross AP is based on Traditional and Group commissionable AP.

29
President’s Club Board of Directors
Level Qualification Requirement1 Qualification Criteria

• An associate recognized as Chairman of the Board during their Aflac

career will be retired to the honored position of Chairman Emeritus
the year of their fifth achievement.
Chairman Emeritus
• The associate can continue to qualify for President’s
Club but will not be eligible for other associate-level
board positions.
Associate
Chairman of the Board • Veteran associate qualifier with the highest gross AP.

Chairman’s Council • Veteran associate qualifier with the highest gross traditional AP (3-99).

Vice President • Associate qualifier with the second-highest gross AP.

1
Final ranking will be determined after additional qualifiers have been identified.

President’s Club promotion and demotion guidelines

Level Promotion

Meet all published criteria at

associate level, including personal
production at Level 01 written after
If a promotion occurs during promotion.
If both level qualifications are achieved,
the contest period there are
then the qualification will
two ways to qualify during
be honored at the highest active level.
the year of promotion:
Associate Meet all published criteria at new
or promoted level.

Demotion

Meet all published criteria at the

If a demotion occurs during Demotion is defined as voluntary or
demoted level when contest
the contest period: involuntary.
period ends.

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS CONTEST. A PURCHASE WILL NOT INCREASE YOUR CHANCES
OF WINNING. Not open to the general public. Open to legal residents of the 50 U.S./D.C. and official U.S. Territories, 18+ who are official Aflac active sales
associate (“ASA”), District Sales Coordinator (“DSCs”) or Regional Sales Coordinator (“RSCs”), in good standing. Contest consists of three separate contests
(1 for RSCs, 1 for DSCs, 1 for ASAs); entrant only entered into contest for which they are eligible. Void where prohibited. Contest runs from Week 1 to Week
52, 2020 (which starts on approximately 1/1/20 and ends on approximately 12/31/20). Contest entrants must meet the contest quota and requirements as
set forth in the Official Rules to be eligible (including have a no-pay rate of 13.04% or lower). For full details, see official rules. Subject to full rules available
at sell.aflac.com/presidentsclub. Sponsor: American Family Life Assurance Company of Columbus, 1932 Wynnton Road, Columbus, GA 31999.

30
 True luxury cruising
Relax in the comfort of your spacious and immaculate
suite, savor the exquisite cuisine in specialty restaurants
and make the most of every moment on one of the
world’s most luxurious cruise ships.
Evening entertainment
Evenings onboard are filled with music and fun.
Enjoy a rousing cabaret show, test your luck at the
casino or step onto the stage for karaoke.

Luxurious cabins
Serene ocean views enhance the soothing color
palette of our cabins. You’ll also find top-tier
bath amenities and superior bedding, ensuring a
relaxing and revitalizing voyage.

Compass Rose
The wonderfully spacious Compass Rose serves
breakfast, lunch and dinner and features an exceptional
variety of European-inspired cuisine, as well as flavorful
vegetarian and kosher dishes.

31
 25 ANNIVERSARY
TH
For 25 years, Aflac and its independent agents have dedicated their hearts
and philanthropic mission to helping children with cancer. Since 1995, we’ve
raised and donated more than $136 million to the Aflac Cancer and Blood
Disorders Center of Children’s Healthcare of Atlanta. More than $500,000 a
month is donated through your unselfish giving. The center is recognized as
one of the largest and most reputable childhood cancer centers in the U.S.,
annually caring for more than 2,500 children with cancer and more than 5,000
children with sickle cell disease, hemophilia and other blood disorders.

32
 Top Ten

Let Your Results Speak for Themselves

There are a select few whose only competition is the face that stares back
at them in the mirror. Their drive is legendary — their focus unmatched. The
associates and coordinators who qualify for the Top 10 Award are the peak
performers and the pacesetters. To earn your place among them means
you’ve solidified your standing as one of Aflac’s best. Are you up to the
challenge?

Qualification period: Weeks 1-52, 2020

Top Ten Awards

Length of contest: 52 Weeks
Eligibility: Associate (excluding broker)

Level Qualification Requirement1 Qualification Criteria Award

10 performers with highest gross

Associate N/A Top Ten trophy.
annualized premium.
1
No-pay rate of 13.04% or less at Week 52 must be achieved. Aflac Group policies are not included in the no-pay rate.

33
 65 ANNIVERSARY
TH
In 1955, John Amos along with brothers, Paul and Bill, founded American Family
Life Assurance Company of Columbus. Their small, family business eventually
laid the foundation for an entire industry. Now, 65 years later, Aflac insures
more than 50 million people worldwide. As Aflac continues to evolve as a
company, we maintain the spirit of our founders by keeping our commitment
of putting policyholders first.

34
Qualification period: Week 17, 2020
Length of contest: One production week
Eligibility: Associate (including single-producing broker)

Level Qualification Requirement Qualification Criteria Award

$5,500 in gross AP
Associate AND Production Week 17 Commemorative Award.
Less than or equal to 13.04% no-pay.1

1
The no-pay rate must be 13.04% or less to qualify. Aflac Group policies are not included in the no-pay rate.

Aflac Million Dollar Club

Founders Week

35
 Become Legendary

Top
The Million Dollar Club is reserved Ten
for the true sales professional who treats
clients like family and ensures that promises made are promises kept.

Achieve $1 million, $3 million or $5 million in lifetime in-force Aflac premium

and join the club.

Qualification period: Weeks 1-52, 2020

Length of contest: 52 Weeks
Eligibility: Associate (excluding broker)

Level Qualification Requirement Qualification Criteria Award

Aflac Million Dollar Club

Lifetime total of $1 million or more in
members will be recognized
Aflac in-force premium by Aflac Million Dollar Club
once the following thresholds
Week 52 business cards (250) at each
Associate are achieved:
AND qualification level.
• $1 million.
Less than or equal to
• $3 million.
13.04% no-pay.1
• $5 million.

1
The no-pay rate must be 13.04% or less to qualify. Aflac Group policies are not included in the no-pay rate.

36
39
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