Based on the aggregated intelligence of 170,000-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 $26.8 billion
Industry Life and health insurance
Trailing-12-Month Revenue $20.73 billion
Management CEO Daniel Amos (since 1990)
CFO Kriss Cloninger III (since 1992)
Return on Equity (Average, Past 3 Years) 20.1%
Dividend Yield 2.1%
Competitors AIG (NYSE: AIG)
MetLife (NYSE: MET)
Prudential (NYSE: PRU)

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

On CAPS, 95% of the 1,599 members who have rated AFLAC believe the stock will outperform the S&P 500 going forward. These bulls include gartersnk and Dun1301.

Late last month, gartersnk tapped AFLAC as a rather stable income opportunity: "Solid long term dividend payer, consistent growth. Cornerstone stock in a dividend portfolio, financial sector pick. Provides stability and is an industry leader -- required qualities for a cornerstone."

In fact, AFLAC's three-year average return on equity (20.1%) easily tops that of competitors AIG (-40.9%), MetLife (4.5%), and Prudential (7.2%), as well as other big life insurance stocks like Manulife (NYSE: MFC) (1.4%) and Sun Life (NYSE: SLF) (6.2%).

CAPS member Dun1301 touches on the big tailwind working in the stock's favor:

AFLAC is a provider of supplemental insurance. With the government mandating companies provide some sort of insurance to its employees many will be seeking to supplement these insurance with plans that provide a comprehensive care package. Along with this potential growth spurred by Government regulation AFLAC has been paying a dividend to its investors. ... This makes it a very attractive long term stock that regularly outperforms the market.

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