Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  Davis Rebecca Colwell
 2. Date of Event Requiring Statement (Month/Day/Year)
11/12/2004		 3. Issuer Name and Ticker or Trading Symbol
AFLAC INC [AFL]
(Last)
(First)
(Middle)
6636 WOODBERRY CT		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director _____ 10% Owner
__X__ Officer (give title below) _____ Other (specify below)
Sr Vice President
 5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

COLUMBUS, GA 31904-2294		 6. Individual or Joint/Group Filing(Check Applicable Line)
_X_ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Common Stock 23,798
D
 
Common Stock 5,807
I
401(k) Plan
Common Stock 1,836
I
Daughter
Common Stock 3,038
I
Spouse

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares
Employee Stock Option (right to buy) 02/13/1996 02/13/2006 Common Stock 13,500 $ 7.9167 D  
Employee Stock Option (right to buy) 06/24/1998 06/24/2008 Common Stock 9,258 $ 15.0469 D  
Employee Stock Option (right to buy) 02/08/2000 02/08/2010 Common Stock 20,000 $ 21.1563 D  
Employee Stock Option (right to buy) 12/16/1999 12/16/2009 Common Stock 10,742 $ 22.5 D  
Employee Stock Option (right to buy) 01/03/2005 01/03/2012 Common Stock 5,000 $ 23.65 D  
Employee Stock Option (right to buy) 08/12/2006 08/12/2013 Common Stock 3,000 $ 31.705 D  
Employee Stock Option (right to buy)   (1) 10/27/2014 Common Stock 10,000 $ 35.015 D  
Employee Stock Option (right to buy)   (2) 08/10/2014 Common Stock 5,000 $ 38.32 D  
Stock Units   (3)   (3) Common Stock 127 $ (3) D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Davis Rebecca Colwell
6636 WOODBERRY CT
COLUMBUS, GA 31904-2294		       Sr Vice President  

Signatures

Patricia A. Bell as Power of Attorney 11/19/2004
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) The option vests 3,333 on 10/27/05, 3,333 on 10/27/06, and 3,334 on 10/27/07.
(2) The option vests 1,666 on 8/10/05, 1,667 on 8/10/06, and 1,667 on 8/10/07.
(3) The phantom stock units were accrued under AFLAC's Executive Deferred Compensation Plan (EDCP). The EDCP holds Stock Units on the reporting party's behalf representing the value of the common stock.

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