Aflac Inc is a supplemental insurance company that provides voluntary insurance policies to help cover expenses that major medical insurance may not cover, such as cancer treatment, accidents, and disability-related costs. The company primarily operates in the United States and Japan, offering policies that pay cash benefits directly to policyholders to help with out-of-pocket medical expenses, lost income, and everyday living expenses during illness or injury. Aflac sells its insurance products primarily through independent agents and brokers, as well as through workplace enrollment at employers who offer voluntary benefits to their employees.