Aflac Incorporated provides supplemental health and life insurance products to millions of policyholders in Japan and the United States, filling coverage gaps that primary insurance does not address. In Japan, the company's largest market, Aflac specializes in third-sector insurance including cancer, medical, nursing care, and life insurance products distributed through multiple channels including sales agencies, bank partnerships, and strategic alliances with major Japanese insurers; in the United States, the company offers accident, disability, critical care, hospital indemnity, dental, vision, and life insurance primarily to small and mid-to-large employers through career agents and brokers. The company generates revenue through premiums on both individual portable policies and group policies, competing on product design, pricing, service quality, and sales execution.