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Aflac is faced with the persistently weak yen/dollar exchange rate, a low interest rate environment, stiff competition, and a challenging economic and regulatory environment in Japan are some of the headwinds. Nevertheless it is a leading provider of individual guaranteed-renewable health and accident insurance in Japan and the U.S. Its diversified business mix in life insurance segment, steadily growing retirement plan busines and Annuity business places it well for long term growth. Aflac has maintained strong capital levels which has enabled it to buy back shares and increase dividend payouts at regular intervals to boost shareholder’s wealth and confidence in the company.  

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