AFLAC Incorporated sells supplemental insurance policies, including accident, cancer and disability coverage, primarily marketed to individuals and through workplace benefit programs in the United States and Japan. Its supplemental insurance products pay cash benefits directly to policyholders when they experience covered illnesses or injuries, coverage designed to help with expenses that primary health insurance may not fully cover, like lost income during recovery or out-of-pocket medical costs. AFLAC has an unusually large presence in Japan, where it built a substantial market position in supplemental cancer and medical insurance over several decades, giving the company significant exposure to the Japanese insurance market and yen currency fluctuations alongside its U.S. business. The company's profitability depends on collecting sufficient premiums relative to the claims it eventually pays out, along with investment income earned on the substantial premium reserves it holds, particularly from its long-established Japanese insurance operations.