Based on the aggregated intelligence of 165,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, insurance giant Aflac (NYSE: AFL) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Aflac's business and see what CAPS investors are saying about the stock right now.

Aflac facts

Headquarters (Founded)

Columbus, Ga. (1955)

Market Cap

$23.4 billion

Industry

Life and health insurance

Trailing-12-Month Revenue

$19.2 billion

Management

CEO Daniel Amos (since 1990)

CFO Kriss Cloninger III (since 1992)

Return on Capital (Average, Past 3 Years)

20.3%

Dividend Yield

2.2%

Competitors

AIG (NYSE: AIG)

MetLife (NYSE: MET)

Prudential

Sources: Capital IQ (a division of Standard & Poor's) and Motley Fool CAPS.

On CAPS, 95% of the 1,542 members who have rated Aflac believe the stock will outperform the S&P 500 going forward. These bulls include All-Stars Jeffreyw and coryjobe, both of whom are ranked in the top 15% of our community.

A few months ago , Jeffreyw explained that Aflac "is still very recognizable and respected in the industry." Our CAPS member continues: "Growing business and better profit margins, obviously, risk management is risky business."

In fact, Aflac posted double-digit revenue and operating earnings growth in its most recent quarter, driven by strong results in Japan and a favorable exchange rate. Of course, Aflac's first-mover advantage in the country, where customers are typically stickier and the demographic trends are tastier, has earned it substantially higher returns on capital than rivals AIG, MetLife, and Prudential.

More than 70% of Aflac's business comes from Japan. With the stock lagging that of MetLife and Prudential by nearly 20 percentage points over the past six months, and trailing AIG's by almost 80 points, Aflac seems like a solid and timely way to earn some Asian exposure.

CAPS All-Star coryjobe elaborates:

They should continue to benefit from improving global economic condition, leading to better growth this year. ... They also getting a lot of momentum in Japan's bank segment as it expands into their banking system. They have been recruiting new sales associates in U.S. and are hoping that this will help increase premium growth in the borders. Also a more appealing change to the compensation structure could attract new experienced agents. A broader assortment of insurance products should help their agents sell more premiums over the next few years.

What do you think about Aflac, or any other stock for that matter? If you want to retire rich, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future, and on Motley Fool CAPS, thousands of investors are working every day to find them. CAPS is 100% free, so get started!

Fool contributor Brian Pacampara owns no position in any of the companies mentioned. Aflac is a Motley Fool Stock Advisor selection. The Fool's disclosure policy always gets a perfect score.