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 *
  MCNERNEY SUSAN BLANCK
 2. Date of Event Requiring Statement (Month/Day/Year)
01/31/2006		 3. Issuer Name and Ticker or Trading Symbol
AFLAC INC [AFL]
(Last)
(First)
(Middle)
1932 WYNNTON RD		 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, 2Q 31999		 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 10,498
D
 
Common Stock 3,386
I
401(k) Plan
Common Stock 93
I
Custodian/Children

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) 02/08/2003 02/08/2010 Common Stock 4,726 $ 21.1563 D  
Employee Stock Option (right to buy) 01/03/2005 01/03/2012 Common Stock 6,000 $ 23.65 D  
Employee Stock Option (right to buy) 01/22/2004 01/22/2011 Common Stock 20,000 $ 29.3438 D  
Employee Stock Option (right to buy) 08/12/2006 08/12/2013 Common Stock 5,000 $ 31.705 D  
Employee Stock Option (right to buy)   (1) 08/10/2014 Common Stock 10,000 $ 38.32 D  
Employee Stock Option (right to buy) 02/08/2008 02/08/2015 Common Stock 6,000 $ 38.75 D  
Employee Stock Option (right to buy) 02/27/2007 02/27/2014 Common Stock 25,000 $ 40.33 D  
Stock Units   (2)   (2) Common Stock 365 $ 0 D  

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
MCNERNEY SUSAN BLANCK
1932 WYNNTON RD
COLUMBUS, 2Q 31999		       Sr. Vice President  

Signatures

Patricia A. Bell as Power of Attorney 02/07/2006
**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 08/10/05, 3,333 on 08/10/06 and 3,334 on 08/10/07.
(2) The Phantom Stock Units were accrued under Aflac Incorporated'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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