http://seekingalpha.com/article/3088746-why-aflac-is-a-solid-dividend-investment
AFL的獲利以日本為主，並靠賣持股票買回庫維持EPS
AFL在日本提供健保之外的保險，
2014年的成長主力是「癌症險」，
隨著日本人口老化，醫療支出也隨著增加。
AFL在日本的優勢是可以在日本郵政的據點販售產品，
文中提到日本郵局的數量是人數最多之銀行的2倍，
就AFL官網資料，其癌症險將在日本的2萬多個據點銷售
"Through this alliance, Japan Post Holdings intends to expand the number of post offices that offer Aflac's cancer products, gradually increasing from 1,000 postal outlets to 20,000 outlets. Also, subject to regulatory approval, Japan Post Insurance (Kampo) will enter into an agency contract with Aflac Japan to begin distributing Aflac Japan's cancer insurance products at all of Kampo's 79 directly managed sales offices. Upon consultations with Japan Post group, Aflac Japan will consider developing an exclusive cancer product for both Japan Post and Kampo." (http://www.aflac.com/aboutaflac/pressroom/pressreleasestory.aspx?rid=34)
AFL 去年花了1.88B作股票回購，
今年預計仍將花1.5B回購，
大量的股票回購，在獲利成長平平下
仍維持住AFL EPS (以我們來講是ROE)，
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