AFLAC Inc (AFL)

Designer Rachel Zoe and Aflac make fashion statement to urge Americans to check for cancerJune 29, 2026 10:01 AM
PR Newswire (US) New "Fit Checks" campaign embeds cancer risk education directly into a wearable design to make early detection part of everyday lifeCOLUMBUS, Ga., June 29, 2026 /PRNewswire/ -- Aflac, a pioneer and leader in cancer insurance for seven decades, today announced the launch of Fit Checks, an innovative new awareness campaign developed with fashion designer Rachel Zoe, transforming a familiar pattern into an interactive pathway to understanding cancer risk and educating on the importance of screenings. At the center of the campaign is a first-of-its-kind garment designed by Rachel Zoe that features a custom checkered pattern with a QR code seamlessly integrated into the design, turning everyday fashion into a health activation tool. The limited-edition garment, when scanned, connects consumers directly to CheckForCancerNow.com, a new website dedicated to increasing awareness of the value of cancer screenings."For too many people, cancer screenings remain something they'll get around to when it is convenient," said Virgil Miller, president, Aflac Incorporated and Aflac U.S. "Fit Checks is designed to change that by driving awareness from an unexpected place: the clothes we wear. By partnering with well-known designer and media star Rachel Zoe, we're creating a new way to meet people in unexpected places with a powerful message, spark action and make conversations about early detection a part of everyday life."The campaign comes at a time when too many Americans continue to delay preventive care. According to the 2025 Aflac Wellness Matters Survey, roughly 3 in 5 Americans (59%) admit to avoiding important health screenings, while 9 in 10 Americans (94%) say they have delayed a checkup or recommended health screening. These findings reinforce the urgent need to make early detection more approachable, accessible and actionable."Fashion has always been a way for people to express themselves, but it can also be a powerful way to break through in culture and start important conversations," said Rachel Zoe. "What drew me to this campaign was the opportunity to create something that feels stylish and meaningful at the same time. If fashion can inspire people to check for cancer, we are making fashion not only wearable but purposeful as well."To kick off Aflac's partnership with Zoe, the company has released, on social media, a brief video previewing the anticipated campaign which launches later this year, showing how her newly designed garment will signal a broader plea to encourage potentially lifesaving cancer screenings. Consumers can take the first step toward understanding their cancer risk by visiting CheckForCancerNow.com to learn more about early detection and why it is so important to check for cancer."Fashion occupies a unique place in culture, creating opportunities to reach people beyond traditional settings. Through Fit Checks, Aflac, a leading provider of cancer insurance in the United States and Japan, is leveraging that cultural relevance to make cancer awareness more visible, and to drive action," Miller said.Fit Checks is part of Aflac's broader Check for Cancer movement, which aims to associate the checkered patterns people see every day with a movement to increase cancer screenings. The goal is to increase screenings in the U.S. by 10% over the next 10 years.To learn more, visit www.CheckForCancerNow.com.FAQs about the Check for Cancer initiative and Fit Checks campaignWhat does Check for Cancer mean?
Check for Cancer is a national movement created by Aflac to help increase cancer screenings in the U.S. by 10% over 10 years. By transforming the checkered pattern into a powerful call to action, the movement helps encourage people to prioritize cancer screenings, because early detection can save lives.
At its core, Check for Cancer is about making cancer screenings a more visible and urgent priority, helping people learn about their risks, understand recommended screenings and take action earlier.Why is early detection so important?
Cancer can affect anyone. One in three people will be diagnosed with cancer in their lifetime, but when found early, many cancers have five-year survival rates above 90%.
That is why Aflac is encouraging people to learn about their risks and prioritize recommended screenings. The earlier cancer is found, the more options people may have and the better their chances of a positive outcome.What is Fit Checks?
Fit Checks is a Check for Cancer awareness campaign designed to help make cancer screening more urgent, accessible and hard to ignore. By leveraging fashion as a powerful vehicle to turn awareness into action, Fit Checks transforms the checkered pattern into a purposeful prompt to check for cancer. In partnership with celebrity fashion designer Rachel Zoe, Aflac created a first-of-its-kind garment with a QR code embedded in the print, making it easy for people to learn about their cancer risk on the spot.ABOUT AFLAC INCORPORATED
Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force.2 The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 20 consecutive years (2026) and Fortune's World's Most Admired Companies for 25 years (2026). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1 LIMRA 2025 U.S. Supplemental Health Insurance Total Market Report
2 As of March 31, 2025, Aflac estimates based on company dataMedia contact: Darcy Brito, 706-505-9762 or dbrito @L437-3264, 800-235-2667 or dyoung@aflac.comAflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, New York 12211
Continental American Insurance Company | Columbia, SC  View original content to download multimedia:https://www.prnewswire.com/news-releases/designer-rachel-zoe-and-aflac-make-fashion-statement-to-urge-americans-to-check-for-cancer-302812808.htmlSOURCE Aflac Original: Designer Rachel Zoe and Aflac make fashion statement to urge Americans to check for cancer

Aflac, Uplift Her and the African American Male Wellness Agency welcome Grammy-nominated artist Raheem DeVaughn to promote wellness and cancer screeningsJune 23, 2026 10:10 AM
PR Newswire (US) COLUMBUS, Ga., June 23, 2026 /PRNewswire/ -- Aflac, a pioneer in cancer insurance and strong promoter of cancer screenings and early cancer detection, has teamed with Uplift Her and the African American Male Wellness Agency for a day of education, networking, music and fun for an important cause.The collaboration centers on Uplift Her, an initiative of the AAMWA focused on women's health, empowerment, and encouraging proactive engagement in preventive care and wellness. AAMWA will host Uplift Her – Wellness Experience, bringing thousands of women together to prioritize their physical, mental and spiritual wellbeing. The event, which is open to all women in the community, takes place on June 24 at the Greater Columbus Convention Center in Ohio from 2 to 7 p.m. EDT. Aflac is sponsoring a performance by R&B artist Raheem DeVaughn."Uplift Her reflects the African American Male Wellness Agency's commitment to expanding access to preventive health education and wellness resources for women," said Dr. Pamela Gregory, co-founder of AAMWA and creator of Uplift Her. "Through this collaboration with Aflac, we are able to elevate awareness around early detection and provide women with meaningful opportunities to engage with their health in a positive and informed way."The free event will feature entertaining performances and activities, as well as access to free health screenings and wellness activations. The experience will include a fireside chat featuring Dr. Gregory, American Cancer Society Executive Vice President, Kimberly Jackson, actress, producer, and entrepreneur Meagan Good, and Kimberly Blackwell, CEO of PMM Agency. Attendees will have the opportunity to engage with leading wellness experts focused on cancer prevention and early detection."As a pioneer and leader in the cancer insurance space we are committed to urging Americans to take control of their health through our check for cancer program. We are pleased to play a role in community events like the Uplift Her Wellness Experience that will drive our message home: check for cancer," Aflac Incorporated and Aflac U.S. President Virgil Miller said. "But education can also be entertaining, so we are happy that R&B star Raheem DeVaughn is able to join the roster of entertainers, as we bring to life our message about how early detection is critical for better outcomes in the face of a cancer diagnosis."Through its check for cancer movement, Aflac has set a mission of increasing cancer screenings across America by 10% over the next 10 years. According to the American Cancer Society 5-year survival rates for some cancers increase when detected early.1  Unfortunately, the 2025 Aflac Wellness Matters Survey, however, shows that roughly three in five Americans (59%) admit to avoiding important health screenings, while nine in ten Americans (94%) say they have delayed a checkup or recommended health screening.ABOUT AFLAC INCORPORATED
Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.2 The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 20 consecutive years (2026) and Fortune's World's Most Admired Companies for 25 years (2026). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1 American Cancer Society, https://crucialcatch.cancer.org/ accessed June 8, 2026
2 LIMRA 2025 U.S. Supplemental Health Insurance Total Market ReportMedia contact: Jon Sullivan, 706-763-4813 or jsullivan @L437-3264, 800-235-2667 or dyoung@aflac.comAflac | Aflac New York | WWHQ | 1932 Wynnton Road | Columbus, GA 31999
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Aflac Incorporated to Present at the Morgan Stanley U.S. Financials ConferenceJune 1, 2026 5:31 PM
PR Newswire (US) COLUMBUS, Ga., June 1, 2026 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) announced today that President of Aflac Incorporated and Aflac U.S. Virgil R. Miller, along with Senior Executive Vice President and Aflac Incorporated Chief Financial Officer Max Brodén, will participate in a fireside chat at the Morgan Stanley U.S. Financials Conference on June 9, 2026 at 10:30 a.m. ET.The presentation will be webcast live. Please click on the following link at least 15 minutes prior to the presentation to allow time to register or sign in.https://event.webcasts.com/starthere.jsp?ei=1765811&tp_key=900d193922&tp_special=8A replay of the presentation will be available within 24 hours after the conclusion of the live event using the same web address.ABOUT AFLAC INCORPORATED
Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force.2 The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 20 consecutive years (2026) and Fortune's World's Most Admired Companies for 25 years (2026). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/espanol. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1 LIMRA 2025 U.S. Supplemental Health Insurance Total Market Report
2 As of March 31, 2025, Aflac estimates based on company data FORWARD-LOOKING INFORMATION
The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. Aflac Incorporated (the Parent Company) and its subsidiaries (collectively with the Parent Company, the Company) desire to take advantage of these provisions. This document contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by Company officials in communications with the financial community and contained in documents filed with or furnished to the Securities and Exchange Commission (SEC). Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward-looking information is subject to numerous assumptions, risks and uncertainties. In particular, statements containing words such as "expect," "anticipate," "believe," "goal," "objective," "strategy," "may," "should," "estimate," "intend," "project," "future," "will," "assume," "potential," "target," "outlook," "continue" or similar words as well as specific projections of future results, generally qualify as forward-looking. The Company undertakes no obligation to update such forward-looking statements, except as may be required by law.The Company cautions readers that the following factors, in addition to other factors mentioned from time to time, could cause actual results to differ materially from those contemplated by the forward-looking statements: difficult conditions in global capital markets and the economy, including inflationdefaults and credit downgrades of investmentsglobal fluctuations in interest rates and exposure to significant interest rate riskconcentration of business in Japan limited availability of acceptable Japanese yen-denominated investmentsforeign currency fluctuations in the yen/dollar exchange ratediffering interpretations applied to investment valuationssignificant valuation judgments in determination of expected credit losses recorded on the Company's investmentsdecreases in the Company's financial strength or debt ratingsdecline in creditworthiness of other financial institutionsthe Company's ability to attract and retain qualified sales associates, brokers, employees, and distribution partnersdeviations in actual experience from pricing and reserving assumptionsability to continue to develop and implement improvements in information technology systems and on successful execution of revenue growth and expense management initiativesinterruption in telecommunication, information technology and other operational systems, or a failure to maintain the security, confidentiality, integrity or privacy of sensitive data residing on such systems, and uncertainty regarding the impact of the incident involving unauthorized access to the Company's network in June 2025subsidiaries' ability to pay dividends to the Parent Companyinherent limitations to risk management policies and proceduresoperational risks of third-party vendorstax rates applicable to the Company may changefailure to comply with restrictions on policyholder privacy and information securityextensive regulation and changes in law or regulation by governmental authoritiescompetitive environment and ability to anticipate and respond to market trendscatastrophic events, including, but not limited to, epidemics, pandemics, tornadoes, hurricanes, earthquakes, tsunamis, war or other military action, major public health issues, terrorism or other acts of violence, and damage incidental to such eventsability to protect the Aflac brand and the Company's reputationability to effectively manage key executive successionchanges in accounting standardslevel and outcome of litigation or regulatory inquiriesallegations or determinations of worker misclassification in the United StatesAnalyst and investor contact – David A. Young, 706.596.3264 or 800.235.2667 or aflacir@aflac.comMedia contact – Ines Gutzmer, 762.207.7601 or igutzmer@aflac.com View original content to download multimedia:https://www.prnewswire.com/news-releases/aflac-incorporated-to-present-at-the-morgan-stanley-us-financials-conference-302787613.htmlSOURCE Aflac Incorporated Original: Aflac Incorporated to Present at the Morgan Stanley U.S. Financials Conference

Aflac opens new South Portland office to support Maine Paid Family and Medical Leave ProgramMay 1, 2026 7:55 AM
PR Newswire (US)

Company brings services closer to home for more than 500,000 workersCOLUMBUS, Ga., May 1, 2026 /PRNewswire/ -- Working with the Maine Department of Labor and the state's Paid Family Medical Leave (PFML) Bureau, Aflac, the leading provider of supplemental health insurance in the U.S.1 and contracted administrator for the Maine PMFL program, announced the opening of a new office in South Portland, Maine. This fully staffed facility provides high-quality claims administration services for over 500,000 eligible workers in the state of Maine and the public and private sector employers participating in the program. The Maine PFML program will begin issuing benefits for the program as of May 1."We are honored to have been selected as the administrator of this important program and are excited to open this local office, demonstrating our commitment to the people of Maine now and for the foreseeable future," said Scott Beeman, senior vice president, Aflac Group Life, Disability and Absence Solutions."The launch of Maine's Paid Family and Medical Leave program marks a transformative moment for workers and families across our state. We have all been working hard, and we are deeply appreciative of the partnership with Aflac to ensure a successful launch and implementation. Their commitment to standing up a local office and delivering high-quality service reflects the level of care that Maine workers deserve," said Luke Monahan, director, Maine Paid Family and Medical Leave program.Eligible workers in Maine can receive up to 12 weeks of paid time off within a benefit year to care for a family member with a serious health condition; to bond with a child after birth, fostering or adoption; to care for their own medical needs; to deal with the transition of a family member impending military deployment; or for safe leave. The leave does not need to be taken all at once.Updates about the Maine Paid Family and Medical Leave program are posted at www.maine.gov/paidleave.ABOUT AFLAC INCORPORATED
Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force.2 The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 20 consecutive years (2026) and Fortune's World's Most Admired Companies for 25 years (2026). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."Group life, disability and absence services are provided by Continental American Insurance Company (CAIC); in New York, products and services are provided by American Family Life Assurance Company of New York; in California, coverage is offered by Continental American Life Insurance Company. Products may not be available in all states and may vary depending on state law. 1 LIMRA 2024 U.S. Supplemental Health Insurance Total Market Report
2 As of March 31, 2025, Aflac estimates based on company data.Media contact: Jon Sullivan, 706-763-4813 or jsullivan @L437-3264, 800-235-2667 or dyoung@aflac.comAflac WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, New York 12211
Continental American Insurance Company | Columbia, SC





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Original: Aflac opens new South Portland office to support Maine Paid Family and Medical Leave Program

Aflac recognizes 6 leaders as Check for Cancer ChampionsApril 29, 2026 8:05 AM
PR Newswire (US)

This recognition is part of Aflac's broader Check for Cancer initiative to expand awareness of the importance of screening as the path for early detectionCOLUMBUS, Ga., April 29, 2026 /PRNewswire/ -- Aflac Incorporated, the leading provider of supplemental health insurance in the U.S.,1 is expanding its Check for Cancer initiative during Cancer Prevention and Early Detection Month by launching the Check for Cancer Champions program. In this inaugural edition, the program will feature six individuals who have demonstrated unwavering commitment to expanding awareness of the importance of cancer screening and the need to act, as preventive care and early detection can save lives.







The program comes at a critical time — according to American Cancer Society (ACS) statistics, 1 in 3 people will develop cancer in their lifetime,2 yet the 2025 Aflac Wellness Matters Survey® indicates that more than 90% of people have put off getting a checkup or a recommended health screening.3 ACS statistics further note that early detection can push survival rates above 90% for many types of cancer.4The inaugural 2026 Check for Cancer Champions are united by a shared commitment to improving early detection and saving lives through action and advocacy. The honorees are:Ernie Johnson Jr., Sports Broadcasting Hall of Fame member, two-time cancer survivor and advocate for men's health screeningsAdamari López, Univision host, actor and breast cancer survivor who has used her platform to encourage women, particularly in the Hispanic community, to prioritize their healthDavid Pollack, former NFL player and college football analyst who became an advocate for early detection after his wife Lindsey was diagnosed with cancer in 2025Dr. Heather Bittner Fagan, practicing physician and recipient of ACS's Cancer Control Career Development Award, recognized for her leadership in cancer prevention and screeningDr. Ryan Schoenfeld, CEO of the Mark Foundation for Cancer Research, a global philanthropy that supports research that will transform the prevention, diagnosis and treatment of cancerBrian Ryll, President of the Professional Fire Fighters of New Hampshire and cancer prevention advocate"If there's one thing I've learned through two experiences with cancer, it's that I've been provided the opportunity and the responsibility to help the next person get through it," Ernie Johnson Jr. said. "I am humbled to be selected as one of Aflac's 2026 Check for Cancer Champions. It means the world to me."The Check for Cancer Champions program is part of Aflac's Check for Cancer initiative, a bold, national movement to increase cancer screenings by 10% over 10 years. Aflac uses the familiar checkered pattern seen in everyday life as a powerful reminder to prioritize early detection through a simple call to action: See a check, get checked."Aflac is extremely pleased to honor Ernie, Adamari, David, Dr. Fagan, Dr. Schoenfeld and Brian as inaugural Check for Cancer Champions for the example they set in raising awareness of the importance of cancer screening and early detection," Aflac Incorporated and Aflac U.S. President Virgil Miller said. "Aflac is fully committed to the Check for Cancer initiative, and we realize that to move from initiative to movement, we need to bring more, powerful voices to the program. Each of these honorees has used their voice, expertise or experience to encourage others to prioritize preventive care, and we are grateful for the impact they are making in their communities and fields. That is the very definition of being a champion."As part of the program, Aflac will make a $5,000 donation to a cancer nonprofit selected by each honoree. They will also be presented with a custom Check for Cancer jacket in recognition of their commitment and advocacy for individuals to have better health outcomes by prioritizing early detection.On social media, when you tag @Aflac and include #CheckForCancer, Aflac will donate $5 to the Aflac Cancer and Blood Disorders Center of Children's Healthcare of Atlanta, up to $1 million.Go to Aflac.com/CheckForCancer for more information.About the Check for Cancer Champions:Ernie Johnson Jr. is a two-time cancer survivor who has overcome non-Hodgkin's lymphoma and prostate cancer. He credits early detection as a key part of his recovery and has used his platform to advocate for regular cancer screenings, especially for prostate cancer. Johnson serves as a global ambassador for ZERO Prostate Cancer and has also supported childhood cancer initiatives, including the Aflac Cancer and Blood Disorders Center at Children's Healthcare of Atlanta. He has named the Love You Too Foundation as his charity of choice for Aflac's $5,000 donation.Adamari López is a writer, actor, television host, mom and breast cancer survivor who has become a prominent advocate for early detection and proactive health care. Diagnosed at age 33, she has used her platform to encourage women, especially within the Hispanic community, to prioritize self-exams, routine screenings and regular checkups. López has named Susan G. Komen Puerto Rico as her charity of choice for Aflac's $5,000 donation.David Pollack is a former NFL player, University of Georgia standout and college football analyst who became a vocal advocate for cancer awareness after his wife Lindsey was diagnosed with brain cancer in 2025. Throughout her treatment and recovery, Pollack used his platform to share updates, support others and raise awareness about the importance of early detection. He has named the V Foundation as his charity of choice for Aflac's $5,000 donation.Dr. Heather Bittner Fagan is a practicing family physician in Claymont, Delaware, who has helped underserved communities for more than 20 years. She has made regional and national contributions to research on cancer screening in primary care and underserved populations. Dr. Fagan also serves as a consultant to ACS on lung cancer screening guidelines and has published extensively on cancer prevention. She has named Friends of the Helen F. Graham Cancer Center & Research Institute in Delaware as her charity of choice for Aflac's $5,000 donation.Dr. Ryan Schoenfeld is CEO of The Mark Foundation for Cancer Research, a philanthropic organization focused on transforming the prevention, diagnosis and treatment of cancer. Under his leadership, the foundation recently spearheaded a landmark coalition of leading cancer research funders working together to accelerate the development of new screening tools for the world's most lethal and hard-to-detect cancers. Dr. Schoenfeld will accept the $5,000 award on behalf of The Mark Foundation for Cancer Research, which will apply the funds toward its Early Detection Award program.Brian Ryll is president of the Professional Fire Fighters of New Hampshire. Under his leadership, the state of New Hampshire enacted Senate Bill 352 to provide nearly 4,000 professional firefighters with access to comprehensive early detection screenings. Backed by $5 million in state funding, screenings include multi-cancer early detection blood tests, diagnostic ultrasounds and low-dose lung CT scans, significantly improving the chances of identifying cancer at its earliest stages. He has named the Dana-Farber Cancer Institute as his charity of choice for Aflac's $5,000 donation.FAQs about the Check for Cancer Champions programWhat is Aflac's Check for Cancer Champions program? 
Part of Aflac's broader Check for Cancer movement, the Check for Cancer Champions program recognizes individuals who help raise awareness of the importance of cancer screening, preventive care and early detection. The honor-based initiative celebrates leaders and advocates whose sustained commitment helps encourage more people to prioritize getting checked.Why is Aflac launching the Check for Cancer Champions program now?
Aflac launched the program at a critical time, as cancer remains a significant health concern, and many Americans continue to delay routine checkups and recommended screenings. With early detection shown to significantly improve survival rates for many cancers, the Check for Cancer Champions program reinforces the need for preventive care nationwide.How does the Check for Cancer Champions program support cancer advocacy?
Aflac is making a $5,000 donation to nonprofits — chosen by each Check for Cancer Champion — that support cancer-related initiatives. In addition, each honoree receives a custom Check for Cancer jacket in recognition of their advocacy and commitment to early detection.ABOUT AFLAC INCORPORATED Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 20 consecutive years (2026) and Fortune's World's Most Admired Companies for 25 years (2026). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1 LIMRA 2024 U.S. Supplemental Health Insurance Total Market Report2 American Cancer Society. "Cancer Information and Resources." https://www.cancer.org. Accessed March 24, 2025.3 Aflac. "2025 Wellness Matters Survey Overview." https://www.aflac.com/docs/cancer-campaign-wellness-matters/aflac-wellness-matters-survey.pdf. Accessed March 24, 2025.4 American Cancer Society. "Cancer Facts and Figures 2025." https://www.cancer.org/content/dam/cancer-org/research/cancer-facts-and-statistics/annual-cancer-facts-and-figures/2025/2025-cancer-facts-and-figures-acs.pdf. Accessed March 24, 2025.Media contact: Jon Sullivan, 706-763-4813 or jsullivan @L437-3264, 800-235-2667 or dyoung@aflac.com 






























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Original: Aflac recognizes 6 leaders as Check for Cancer Champions

Aflac Incorporated to Release First Quarter Results and CFO Video Update on April 29, 2026 and Host Webcast on April 30, 2026April 2, 2026 4:05 PM
PR Newswire (US)

COLUMBUS, Ga., April 2, 2026 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) announced today that it will release first quarter 2026 financial results after the market closes on Wednesday, April 29, 2026. At that time, earnings materials, including the quarterly earnings release and financial supplement, will be available, along with a financial update video from Senior Executive Vice President and Chief Financial Officer Max K. Brodén, on the company's Investor Relations website, investors.aflac.com.Aflac Incorporated will also webcast a conference call scheduled for 8:00 a.m. (ET) on Thursday, April 30, 2026. During the webcast, Aflac Incorporated Chairman and Chief Executive Officer Daniel P. Amos, along with Brodén, will discuss the company's quarterly results. President of Aflac Incorporated and Aflac U.S. Virgil R. Miller will join them to answer questions during the webcast with other members of executive management from the U.S. and Japan. To listen to the conference call, please register at investors.aflac.com five to seven minutes prior to the scheduled start time. Anticipated future quarterly earnings release and conference call information:Second Quarter 2026
Earnings Release: August 6 (Thursday, after market close ET)
Conference Call: August 7 (Friday, 8:00 a.m. ET)Third Quarter 2026
Earnings Release: November 4 (Wednesday, after market close)
Conference Call: November 5 (Thursday, 8:00 a.m. ET)ABOUT AFLAC INCORPORATED
Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force.2 The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 20 consecutive years (2026) and Fortune's World's Most Admired Companies for 25 years (2026). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1 LIMRA 2024 U.S. Supplemental Health Insurance Total Market Report
2 As of March 31, 2025, Aflac estimates based on company data.Analyst and investor contact – David A. Young, 706.596.3264 or 800.235.2667, or dyoung@aflac.comMedia contact – Ines Gutzmer, 762.207.7601 or igutzmer@aflac.com 





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Original: Aflac Incorporated to Release First Quarter Results and CFO Video Update on April 29, 2026 and Host Webcast on April 30, 2026

Aflac Re Bermuda Ltd. Announces Reinsurance Transaction with Japan Post Insurance CompanyMarch 31, 2026 5:00 AM
PR Newswire (US)

COLUMBUS, Ga., March 31, 2026 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL), the leading life and health insurer through its subsidiaries in Japan and the U.S., today announced that Aflac Re Bermuda Ltd. (Aflac Re) has reached an agreement with Japan Post Insurance Co., Ltd. (Japan Post Insurance) to reinsure a block of whole life annuities through coinsurance. Japan Post Insurance will continue to service and administer the policies. The transaction will be effective March 31, 2026."This transaction marks a significant milestone in the history of Aflac Incorporated and Aflac Re," said Max Brodén, Senior Executive Vice President, Chief Financial Officer of Aflac Incorporated. "While Aflac Re has secured multiple reinsurance transactions from Aflac Life Insurance Japan, this is the first transaction with an external party. In addition, this transaction further contributes to our strategic partnership with Japan Post Insurance as we aim to create shared value for both our policyholders and shareholders."President of Aflac Re Bermuda Tsana Nobles added, "We look forward to continuing to build our relationship with Japan Post Insurance. We also look forward to leveraging our expertise to provide similar support for other Japanese life insurers to reduce risk, enhance their capital management and expand their new business opportunities."ABOUT AFLAC INCORPORATED
Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force.2 The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 20 consecutive years (2026) and Fortune's World's Most Admired Companies for 25 years (2026). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1 LIMRA 2024 U.S. Supplemental Health Insurance Total Market Report
2 As of March 31, 2025, Aflac estimates based on company data.FORWARD-LOOKING INFORMATION
The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. Aflac Incorporated (the Parent Company) and its subsidiaries (collectively with the Parent Company, the Company) desire to take advantage of these provisions. This document contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by Company officials in communications with the financial community and contained in documents filed with or furnished to the Securities and Exchange Commission (SEC). Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward-looking information is subject to numerous assumptions, risks and uncertainties. In particular, statements containing words such as "expect," "anticipate," "believe," "goal," "objective," "strategy," "may," "should," "estimate," "intend," "project," "future," "will," "assume," "potential," "target," "outlook," "continue" or similar words as well as specific projections of future results, generally qualify as forward-looking. The Company undertakes no obligation to update such forward-looking statements, except as may be required by law.The Company cautions readers that the following factors, in addition to other factors mentioned from time to time, could cause actual results to differ materially from those contemplated by the forward-looking statements: difficult conditions in global capital markets and the economy, including inflationdefaults and credit downgrades of investmentsglobal fluctuations in interest rates and exposure to significant interest rate riskconcentration of business in Japan limited availability of acceptable Japanese yen-denominated investmentsforeign currency fluctuations in the yen/dollar exchange ratediffering interpretations applied to investment valuationssignificant valuation judgments in determination of expected credit losses recorded on the Company's investmentsdecreases in the Company's financial strength or debt ratingsdecline in creditworthiness of other financial institutionsthe Company's ability to attract and retain qualified sales associates, brokers, employees, and distribution partnersdeviations in actual experience from pricing and reserving assumptionsability to continue to develop and implement improvements in information technology systems and on successful execution of revenue growth and expense management initiativesinterruption in telecommunication, information technology and other operational systems, or a failure to maintain the security, confidentiality, integrity or privacy of sensitive data residing on such systems, and uncertainty regarding the impact of the incident involving unauthorized access to the Company's network in June 2025subsidiaries' ability to pay dividends to the Parent Companyinherent limitations to risk management policies and proceduresoperational risks of third-party vendorstax rates applicable to the Company may changefailure to comply with restrictions on policyholder privacy and information securityextensive regulation and changes in law or regulation by governmental authoritiescompetitive environment and ability to anticipate and respond to market trendscatastrophic events, including, but not limited to, as a result of climate change, epidemics, pandemics, tornadoes, hurricanes, earthquakes, tsunamis, war or other military action, major public health issues, terrorism or other acts of violence, and damage incidental to such eventsability to protect the Aflac brand and the Company's reputationability to effectively manage key executive successionchanges in accounting standardslevel and outcome of litigation or regulatory inquiriesallegations or determinations of worker misclassification in the United StatesAnalyst and investor contact - David A. Young, 706.596.3264; 800.235.2667 or dyoung@aflac.com Media contact - Ines Gutzmer, 762.207.7601 or igutzmer@aflac.com 





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Original: Aflac Re Bermuda Ltd. Announces Reinsurance Transaction with Japan Post Insurance Company

New long-term care rider from Aflac offers flexibility and added securityMarch 23, 2026 10:17 AM
PR Newswire (US)

Aflac offers comprehensive long-term care solution for the workplace with inflation protection COLUMBUS, Ga., March 23, 2026 /PRNewswire/ -- The cost of long-term care continues to rise, making caregiving challenging for many Americans. That is why Aflac Incorporated, the leading provider of supplemental health insurance in the U.S.,1 has added a powerful new worksite benefit to its Group Life Term to 120 product. This hybrid term life with long-term care (LTC) product is the first of its kind to offer true protection against higher costs of caring for individuals as they age and will help protect the financial stability of American consumers."As a worksite benefits leader, we're excited to offer this much-needed benefit," said Bob Ruff, senior vice president, Aflac Group Benefits. "As Americans continue to live longer lives, our new product answers the great need for additional Life Insurance and Long-Term Care planning. It provides employees with a smarter, more flexible way to prepare for life's uncertainties as we age. It's about meeting people' needs and making responsible planning easier for everyone."According to the World Health Organization, 1 in 6 people in the U.S. will be over the age of 60 by the year 2030.2 A significant issue facing Americans and their loved ones is their ability to access the best possible long-term care that addresses their needs as they age. Additionally, our aging society — a phenomenon known as the Silver Tsunami,3 representing the shift of baby boomers reaching retirement age — will also need to cover rising costs associated with LTC. With Aflac's new rider, the LTC benefit is built with unique flexibility, supporting a wide range of circumstances. Full LTC benefit eligibility is available regardless of the care setting or the caregiver, providing insureds with options. They have the freedom to choose either home-based care or facility-based care, as well as informal care from a family member or friend or a professional caregiver. This is valuable to many people who prefer to age in their own homes and receive care from someone they know personally. The customer can also take advantage of the benefits during his or her lifetime rather than being utilized following a death. "At Aflac, we believe in giving people options when it matters most," said Tom Morey, senior vice president, Aflac Chief Actuary. "This rider combines life insurance and long-term care benefits into one solution, giving individuals the flexibility to adapt coverage to their needs while ensuring care where they feel most comfortable. It also helps employers respond to growing employee demand for benefits that deliver security and choice, strengthening their ability to attract and retain talent."Customers can rest easy knowing the rider includes:Optional extension of the LTC benefit period and restoration of the full-face amount of life insurance, even after it has been used to fund LTCOptional inflation protection benefitAnnually accruing fund that grows the value of the LTC benefit over time and helps to offset LTC cost increasesFlexible benefits payment options, such as a one-time lump sum for catastrophic costs or periodic payments that better suit the needs of the customerPortability, which means a customer can keep these benefits even after they leave employmentThe Aflac Group Life Term to 120 with LTC helps insured individuals take advantage of a meaningful opportunity to feel secure in the years to come. This new long-term care rider can play an important role in offering meaningful financial protection and security at a time that can be difficult on many levels, from emotional to financial.  Products and benefits vary by state and are not currently available in all states.Aflac Group products are underwritten by Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers. CAIC is not licensed to solicit business in New York, Guam or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. ABOUT AFLAC INCORPORATED 
Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for nearly seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force. The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 19 consecutive years (2025) and Fortune's World's Most Admired Companies for 24 years (2025). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021 and has been included in the Dow Jones Sustainability North America Index (2024) for 11 years. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1 LIMRA 2024 U.S. Supplemental Health Insurance Total Market Report
2 World Health Organization (Oct. 2025) "Ageing and Health" https://www.who.int/news-room/fact-sheets/detail/ageing-and-health
3Copeland, Rob. New York Times (Jan. 2025) "Boomers as Boogeymen: Should You Fear the Silver Tsunami?" https://www.nytimes.com/2025/01/31/business/silver-tsunami-meaning-boomers.htmlMedia contact: Jon Sullivan, 706-763-4813 or jsullivan @L437-3264, 800-235-2667 or dyoung@aflac.comAflac | Aflac New York | WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Continental American Insurance Company | Columbia, SC





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Original: New long-term care rider from Aflac offers flexibility and added security

Aflac celebrates 20 years as a World's Most Ethical CompanyMarch 18, 2026 8:16 AM
PR Newswire (US)

Only insurance company to appear on prestigious list every year since 2007COLUMBUS, Ga., March 18, 2026 /PRNewswire/ -- Aflac Incorporated, the leading provider of supplemental health insurance in the U.S.,1 announced today that the company has once again been named by Ethisphere, a global leader in defining and advancing the standards of ethical business practices, as a World's Most Ethical Company. This marks the 20th consecutive year that Aflac has appeared on the prestigious list, making it the only insurance company, and one of only six companies in the world, to bear this distinction since the award's inception in 2007."This recognition from Ethisphere for 20 consecutive years is extremely gratifying for our company, as it serves as a consistent stamp of approval for the ethical actions of our employees and company leaders," Aflac Chairman and CEO Dan Amos said. "Given how today's consumers consider the values of companies the same way investors measure company performance, no one should be surprised that companies that conduct themselves ethically, often perform better."Aflac has a long history of providing support for communities, including a 30-year commitment to the Aflac Cancer and Blood Disorders Center of Children's Healthcare of Atlanta. Since 1995, Aflac, along with its dedicated independent sales teams and employees, has contributed nearly $200 million to this cause. The company also prioritizes transparency and strict adherence to regulatory and compliance matters to help ensure customer satisfaction and returns to shareholders."Congratulations to Aflac for achieving recognition as one of the World's Most Ethical Companies®. As we mark the 20th class of honorees, this group continues to raise the bar for business integrity by embedding ethics into everyday decision-making and long-term strategy. Companies with strong ethics, compliance and governance programs are built for better long-term performance," said Erica Salmon Byrne, Ethisphere's Chief Strategy Officer and Executive Chair.In 2026, 138 honorees were recognized, spanning 17 countries and 40 industries. This year's class includes 19 first-time honorees and only six organizations that have been recognized 20 times.Methodology & Scoring The World's Most Ethical Companies assessment is grounded in Ethisphere's proprietary Ethics Quotient®, which requires companies to provide 240+ documented proof points on practices that support robust ethics and compliance, including: corporate governance; program structure & resourcing; written standards; training, awareness, & communication; risk assessment & auditing; investigations, enforcement, discipline & incentives; measurement of ethical culture; third-party risk management, and environmental & social impact. That data undergoes further qualitative analysis by our panel of experts who spend thousands of hours vetting and evaluating each year's group of applicants. This process serves as an operating framework to capture and codify best-in-class ethics and compliance practices from organizations across industries and from around the world. Honorees To view the full list of this year's honorees, please visit the World's Most Ethical Companies website: https://worldsmostethicalcompanies.com/honorees.ABOUT ETHISPHERE Ethisphere is the global leader in defining and advancing the standards of ethical business practices that strengthen corporate brands, build trust in the marketplace, and deliver business success. Companies turn ethics, compliance, and culture into a business advantage by leveraging Ethisphere's data-driven program & culture assessments featuring the latest guidance and the practices of hundreds of global organizations across the 8 pillars of an ethical culture, and 240+ ethics, compliance, social, and governance data points delivered through a proprietary software platform. Ethisphere also honors superior integrity programs through World's Most Ethical Companies® recognition, brings together a community of industry experts with the Business Ethics Leadership Alliance (BELA), and advances ethical business practices through the Global Ethics Summit, Ethisphere Magazine, and the Ethicast podcast. For more information, visit https://ethisphere.com.ABOUT AFLAC INCORPORATED Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for nearly seven decades to millions of policyholders and customers through its subsidiaries in the U.S. and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force. The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 20 consecutive years (2026) and Fortune's World's Most Admired Companies for 24 years (2025). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021 and has been included in the Dow Jones Sustainability North America Index (2024) for 11 years. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1 LIMRA 2024 U.S. Supplemental Health Insurance Total Market Report Media contact: Jon Sullivan, 706-763-4813 or jsullivan @L437-3264, 800-235-2667 or dyoung@aflac.comAflac | Aflac New York | WWHQ | 1932 Wynnton Road | Columbus, GA 31999
Continental American Insurance Company | Columbia, SC





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Original: Aflac celebrates 20 years as a World's Most Ethical Company

Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $1.4 Billion, Reiterates Increase in First Quarter Dividend of 5.2%February 4, 2026 4:05 PM
PR Newswire (US)

COLUMBUS, Ga., Feb. 4, 2026 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) today reported its fourth quarter results.Total revenues were $4.9 billion in the fourth quarter of 2025, compared with $5.4 billion in the fourth quarter of 2024. Net earnings were $1.4 billion, or $2.64 per diluted share, compared with $1.9 billion, or $3.42 per diluted share a year ago.Net earnings in the fourth quarter of 2025 included net investment gains of $537 million, or $1.03 per diluted share, compared with net investment gains of $1.0 billion, or $1.86 per diluted share a year ago. These net investment gains were driven by net gains of $588 million on certain derivatives and foreign currency activities; net losses from sales and redemptions of $51 million; a $25 million gain from an increase in the fair value of equity securities; and no impairments; offset by $25 million of current expected credit losses (CECL).  Adjusted earnings* in the fourth quarter were $818 million, compared with $865 million in the fourth quarter of 2024, reflecting a decrease of 5.4%. Adjusted earnings per diluted share* increased 0.6% to $1.57 in the quarter. Variable investment income ran $12 million below the company's long-term return expectations. The average yen/dollar exchange rate in the fourth quarter of 2025 was 154.20, or 1.2% weaker than the average rate of 152.35 in the fourth quarter of 2024. The weaker yen/dollar exchange rate did not impact adjusted earnings per share.Shareholders' equity was $29.5 billion, or $56.85 per share, at December 31, 2025, compared with $26.1 billion, or $47.45 per share, at December 31, 2024. Shareholders' equity at the end of the fourth quarter included a cumulative increase of $8.0 billion for the effect of the change in discount rate assumptions on insurance reserves, compared with a corresponding cumulative increase of $2.0 billion at December 31, 2024 and a net unrealized loss on investment securities and derivatives of $1.8 billion, compared with a net unrealized gain of $4 million at December 31, 2024. Shareholders' equity at the end of the fourth quarter also included an unrealized foreign currency translation loss of $4.8 billion, compared with an unrealized foreign currency translation loss of $5.0 billion at December 31, 2024. The annualized return on average shareholders' equity in the fourth quarter was 19.0%.For the full year of 2025, total revenues were down 9.3% to $17.2 billion, compared with $18.9 billion in the full year of 2024. Net earnings were $3.6 billion, or $6.82 per diluted share, compared with $5.4 billion, or $9.63 per diluted share, for the full year of 2024. Adjusted earnings for the full year of 2025 were $4.0 billion, or $7.49 per diluted share, compared with $4.1 billion, or $7.21 per diluted share, in 2024. For the full year, the average exchange rate was 149.32, or 1.1% stronger than the rate of 150.97 a year ago. Excluding the positive impact of $0.04 per share from the stronger yen/dollar exchange rate, adjusted earnings per diluted share increased 3.5% to $7.46 for the full year of 2025.Shareholders' equity excluding AOCI (or adjusted book value*) was $28.0 billion, or $54.06 per share at December 31, 2025, compared with $29.1 billion, or $52.87 per share, at December 31, 2024. Adjusted book value excluding foreign currency remeasurement* was $22.1 billion, or $42.66 per share at December 31, 2025, compared with $23.4 billion, or $42.46 per share, at December 31, 2024. The annualized adjusted return on equity excluding foreign currency remeasurement* in the fourth quarter was 14.5%.AFLAC JAPANIn yen terms, Aflac Japan's net earned premiums were ¥252.6 billion for the quarter, or 1.9% lower than a year ago, mainly due to limited pay products reaching paid-up status. Adjusted net investment income decreased 3.9% to ¥97.4 billion, primarily driven by lower floating rate income on the dollar-denominated portfolio and lower variable net investment income partially offset by higher dollar-denominated fixed income due to higher volume. Total adjusted revenues in yen declined 2.4% to ¥351.2 billion. Pretax adjusted earnings in yen for the quarter declined 3.5% on a reported basis to ¥109.8 billion. Pretax adjusted earnings also decreased 4.4% on a currency-neutral basis. The pretax adjusted profit margin for the Japan segment was 31.3%, compared with 31.6% a year ago.For the full year, net earned premiums in yen were ¥1.0 trillion, or 3.9% lower than a year ago. Adjusted net investment income decreased 5.9% to ¥385.8 billion. Total adjusted revenues in yen were down 4.4% to ¥1.4 trillion. Pretax adjusted earnings were ¥513.7 billion, or 2.7% lower than a year ago. As a result, the pretax adjusted profit margin for the Japan segment was 36.7%, compared with 36.0% a year ago.In dollar terms, net earned premiums decreased 3.0% to $1.6 billion in the fourth quarter. Adjusted net investment income decreased 5.1% to $631 million. Total adjusted revenues declined by 3.6% to $2.3 billion. Pretax adjusted earnings declined 4.7% to $712 million.For the full year, net earned premiums in dollars were $6.7 billion, or 2.7% lower than a year ago. Adjusted net investment income decreased 4.4% to $2.6 billion. Total adjusted revenues were down 3.1% to $9.4 billion. Pretax adjusted earnings were $3.4 billion, or 1.5% lower than a year ago.For the quarter, total new annualized premium sales (sales) increased 15.7% to ¥19.9 billion, or $129 million, primarily reflecting continued strong sales of Miraito, the new cancer insurance product. For the full year, sales increased 16.0% to ¥74.4 billion, or $498 million.AFLAC U.S.Aflac U.S. net earned premiums increased 4.0% to $1.5 billion in the fourth quarter compared to the prior year, reflecting improved sales. Adjusted net investment income decreased 2.8% to $207 million, primarily due to a reduction in floating rate assets and corresponding rates. Total adjusted revenues were up 3.3% to $1.7 billion. Pretax adjusted earnings were $300 million, 9.1% lower than a year ago, reflecting higher benefits and expenses, partially offset by higher premiums. As a result, the pretax adjusted profit margin for the U.S. segment was 17.4%, compared with 19.7% a year ago.For the full year, net earned premiums increased 2.9% to $6.0 billion. Adjusted net investment income decreased 2.0% to $830 million. Total adjusted revenues were up 2.4% to $6.9 billion. Pretax adjusted earnings were $1.4 billion, essentially unchanged from a year ago. As a result, the pretax adjusted profit margin for the U.S. segment was 20.6%, compared with 21.1% a year ago.Aflac U.S. sales increased 3.1% in the quarter to $551 million, primarily benefiting from sales of group voluntary products. For the full year, total new sales increased 3.0% to $1.6 billion.CORPORATE AND OTHER For the quarter, total adjusted revenues decreased 4.2% to $272 million compared to the prior year. Total premiums decreased on closed blocks of business. Total benefits and adjusted expenses increased $15 million compared to the prior year primarily due to higher costs pertaining to business operations and higher interest expense, partially offset by lower net benefits and claims. Pretax adjusted earnings were a loss of $31 million, compared with a loss of $4 million a year ago.For the full year, total adjusted revenues increased 26.8% to $1.3 billion. Pretax adjusted earnings were $101 million, compared with $32 million a year ago.DIVIDEND AND CAPITAL RETURNED TO SHAREHOLDERSThe board of directors declared the first quarter dividend of $0.61 per share, payable on March 2, 2026 to shareholders of record at the close of business on February 18, 2026.In the fourth quarter, Aflac Incorporated deployed $800 million in capital to repurchase 7.2 million of its common shares. At the end of December 2025, the company had 114.3 million remaining shares authorized for repurchase.OUTLOOK Commenting on the company's results, Aflac Incorporated Chairman and Chief Executive Officer Daniel P. Amos stated: "Aflac delivered solid earnings for the quarter and the year. These results reflect our focused efforts to execute on our strategy of creating long-term value for shareholders. "Looking at our operations in Japan, I am pleased with Aflac Japan's quarterly sales increase of 15.7% and annual sales increase of 16.0%. These strong results benefited largely from sales of our cancer insurance product Miraito. We continue to promote awareness for third sector protection to new and younger customers through our innovative first sector product Tsumitasu, which was repriced for new policies effective in September. Plus, we launched our new medical policy Anshin Palette in late December and will be promoting all three products in 2026. Overall, I believe we are advancing the right strategy focused on sales of third sector products to new and younger customers to provide them with integrated financial protection and services throughout their different stages of life."In the U.S., I continue to be encouraged by our ability to add $1.6 billion in new sales for the year, but more importantly, maintain strong persistency of 79.2%. As a result, we saw an increase of 4.0% in net earned premiums for the fourth quarter and 2.9% for the year. This is part of our focus on more profitable growth through strong underwriting discipline and improved productivity of agents and brokers. We also expect to continue our prudent approach to expense management and maintaining a strong pretax margin."We continue to generate strong capital and cash flows while maintaining our commitment to prudent liquidity and capital management. Our investments continue to produce strong net investment income that fits the needs of our operations in Japan, the U.S. and Bermuda. We treasure our 2025 milestone of 43 consecutive years of dividend increases and remain committed to extending this record, supported by our financial strength. Additionally, I am pleased with the Board's decision to increase the first quarter 2026 dividend by 5.2%. We repurchased $800 million in shares for the quarter and $3.5 billion for the year. We intend to continue our balanced approach of investing in growth and driving long-term operating efficiencies."*See Non-U.S. GAAP Financial Measures section for an explanation of foreign exchange and its impact on the financial statements and definitions of the non-U.S. GAAP financial measures used in this earnings release, as well as a reconciliation of such non-U.S. GAAP financial measures to the most comparable U.S. GAAP financial measures.ABOUT AFLAC INCORPORATEDAflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the United States and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force. The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 19 consecutive years (2025) and Fortune's World's Most Admired Companies for 24 years (2025). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021 and has been included in the Dow Jones Sustainability North America Index (2024) for 11 years. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1LIMRA 2024 U.S. Supplemental Health Insurance Total Market ReportA copy of Aflac's financial supplement for the quarter can be found on the "Investors" page at aflac.com.Aflac Incorporated will webcast its quarterly conference call via the "Investors" page of aflac.com at 8:00 a.m. (ET) on February 5, 2026.Note: Tables within this document may not foot due to rounding. AFLAC INCORPORATED AND SUBSIDIARIES CONDENSED INCOME STATEMENT(UNAUDITED – IN MILLIONS, EXCEPT FOR SHARE AND PER-SHARE AMOUNTS)






THREE MONTHS ENDED DECEMBER 31,
2025
2024
% ChangeTotal revenues
$   4,866
$   5,403
(9.9) %Benefits and claims, net
1,902
1,923
(1.1)Total acquisition and operating expenses
1,392
1,345
3.5Earnings before income taxes
1,572
2,135
(26.4)Income taxes
193
233

Net earnings
$   1,379
$   1,902
(27.5) %Net earnings per share – basic
$     2.65
$     3.44
(23.0) %Net earnings per share – diluted
2.64
3.42
(22.8)Shares used to compute earnings per share (000):





Basic
520,394
552,767
(5.9) %Diluted
522,493
555,483
(5.9)Dividends paid per share
$     0.58
$     0.50
16.0 % AFLAC INCORPORATED AND SUBSIDIARIES CONDENSED INCOME STATEMENT(UNAUDITED – IN MILLIONS, EXCEPT FOR SHARE AND PER-SHARE AMOUNTS)






TWELVE MONTHS ENDED DECEMBER 31,
2025
2024
% ChangeTotal revenues
$ 17,164
$ 18,927
(9.3) %Benefits and claims, net
7,293
7,450
(2.1)Total acquisition and operating expenses
5,338
5,060
5.5Earnings before income taxes
4,533
6,417
(29.4)Income taxes
887
974

Net earnings
$   3,646
$   5,443
(33.0) %Net earnings per share – basic
$     6.84
$     9.68
(29.3) %Net earnings per share – diluted
6.82
9.63
(29.2)Shares used to compute earnings per share (000):





Basic
532,885
562,492
(5.3) %Diluted
534,878
565,015
(5.3)Dividends paid per share
$     2.32
$     2.00
16.0 % AFLAC INCORPORATED AND SUBSIDIARIES CONDENSED BALANCE SHEET(UNAUDITED – IN MILLIONS, EXCEPT FOR SHARE AMOUNTS)






DECEMBER 31,
2025
2024
% ChangeAssets:





Total investments and cash
$ 103,760
$ 105,087
(1.3) %Deferred policy acquisition costs
9,034
8,758
3.2Other assets
3,676
3,721
(1.2)Total assets
$ 116,470
$ 117,566
(0.9) %Liabilities and shareholders' equity:





Policy liabilities
$  69,583
$   77,508
(10.2) %Notes payable and lease obligations
8,409
7,498
12.1Other liabilities
8,988
6,462
39.1Shareholders' equity
29,490
26,098
13.0Total liabilities and shareholders' equity
$ 116,470
$ 117,566
(0.9) %Shares outstanding at end of period (000)
518,690
549,964
(5.7) %NON-U.S. GAAP FINANCIAL MEASURESThis document includes references to the Company's financial performance measures which are not calculated in accordance with United States generally accepted accounting principles (U.S. GAAP) (non-U.S. GAAP). The financial measures exclude items that the Company believes may obscure the underlying fundamentals and trends in insurance operations because they tend to be driven by general economic conditions and events or related to infrequent activities not directly associated with insurance operations.Due to the size of Aflac Japan, where the functional currency is the Japanese yen, fluctuations in the yen/dollar exchange rate can have a significant effect on reported results. In periods when the Japanese yen weakens, translating Japanese yen into U.S. dollars results in fewer U.S. dollars being reported. When the Japanese yen strengthens, translating Japanese yen into U.S. dollars results in more U.S. dollars being reported. Consequently, Japanese yen weakening has the effect of suppressing current period results in relation to the comparable prior period, while Japanese yen strengthening has the effect of magnifying current period results in relation to the comparable prior period. A significant portion of the Company's business is conducted in Japanese yen and never converted into U.S. dollars but translated into U.S. dollars for U.S. GAAP reporting purposes, which results in foreign currency impact to earnings, cash flows and book value on a U.S. GAAP basis. Management evaluates the Company's financial performance both including and excluding the impact of foreign currency translation to monitor, respectively, cumulative currency impacts and the currency-neutral operating performance over time. The average yen/dollar exchange rate is based on the published MUFG Bank, Ltd. telegraphic transfer middle rate (TTM). The company defines the non-U.S. GAAP financial measures included in this earnings release as follows:Adjusted earnings are adjusted revenues less benefits and adjusted expenses. Adjusted earnings per share (basic or diluted) are the adjusted earnings for the period divided by the weighted average outstanding shares (basic or diluted) for the period presented. The adjustments to both revenues and expenses account for certain items that are outside of management's control because they tend to be driven by general economic conditions and events or are related to infrequent activities not directly associated with insurance operations. Adjusted revenues are U.S. GAAP total revenues excluding adjusted net investment gains and losses. Adjusted expenses are U.S. GAAP total acquisition and operating expenses including the impact of interest from derivatives associated with notes payable but excluding any non-recurring or other items not associated with the normal course of the Company's insurance operations and that do not reflect the Company's underlying business performance. Management uses adjusted earnings and adjusted earnings per diluted share to evaluate the financial performance of the Company's insurance operations on a consolidated basis and believes that a presentation of these financial measures is vitally important to an understanding of the underlying profitability drivers and trends of the Company's insurance business. The most comparable U.S. GAAP financial measures for adjusted earnings and adjusted earnings per share (basic or diluted) are net earnings and net earnings per share, respectively.Adjusted earnings excluding current period foreign currency impact are computed using the average foreign exchange rate for the comparable prior-year period, which eliminates fluctuations driven solely by foreign exchange rate changes. Adjusted earnings per diluted share excluding current period foreign currency impact is adjusted earnings excluding current period foreign currency impact divided by the weighted average outstanding diluted shares for the period presented. The Company considers adjusted earnings excluding current period foreign currency impact and adjusted earnings per diluted share excluding current period foreign currency impact important because a significant portion of the Company's business is conducted in Japan and foreign exchange rates are outside management's control; therefore, the Company believes it is important to understand the impact of translating foreign currency (primarily Japanese yen) into U.S. dollars. The most comparable U.S. GAAP financial measures for adjusted earnings excluding current period foreign currency impact and adjusted earnings per diluted share excluding current period foreign currency impact are net earnings and net earnings per share, respectively.Adjusted return on equity is annualized adjusted earnings divided by average shareholders' equity, excluding accumulated other comprehensive income. Management uses adjusted return on equity to evaluate the financial performance of the Company's insurance operations on a consolidated basis and believes that a presentation of this financial measure is vitally important to an understanding of the underlying profitability drivers and trends of the Company's insurance business. The Company considers adjusted return on equity important as it excludes components of accumulated other comprehensive income, which fluctuate due to market movements that are outside management's control. The most comparable U.S. GAAP financial measure for adjusted return on equity is return on equity as determined using annualized net earnings and average total shareholders' equity.Adjusted return on equity excluding foreign currency remeasurement is annualized adjusted earnings divided by average shareholders' equity, excluding both accumulated other comprehensive income and the cumulative (beginning January 1, 2021) foreign currency gains/losses associated with i) foreign currency remeasurement and ii) sales and redemptions of invested assets. The Company considers adjusted return on equity excluding foreign currency remeasurement important because it excludes both accumulated other comprehensive income and the cumulative foreign currency remeasurement gains/losses, which fluctuate due to market movements that are outside management's control. The most comparable U.S. GAAP financial measure for adjusted return on equity excluding foreign currency remeasurement is return on equity as determined using annualized net earnings and average total shareholders' equity.Amortized hedge costs/income represent costs/income incurred or recognized as a result of using foreign currency derivatives to hedge certain foreign currency exchange risks in the Company's Japan segment or in Corporate and other. These amortized hedge costs/income are estimated at the inception of the derivatives based on the specific terms of each contract and are recognized on a straight-line basis over the contractual term of the derivative. The Company believes that amortized hedge costs/income measure the periodic currency risk management costs/income related to hedging certain foreign currency exchange risks and are an important component of net investment income. There is no comparable U.S. GAAP financial measure for amortized hedge costs/income.Adjusted book value is the U.S. GAAP book value (representing total shareholders' equity), less accumulated other comprehensive income as recorded on the U.S. GAAP balance sheet. Adjusted book value per common share is adjusted book value at the period end divided by the ending outstanding common shares for the period presented. The Company considers adjusted book value and adjusted book value per common share important as they exclude accumulated other comprehensive income, which fluctuates due to market movements that are outside management's control. The most comparable U.S. GAAP financial measures for adjusted book value and adjusted book value per common share are total book value and total book value per common share, respectively.Adjusted book value excluding foreign currency remeasurement is the U.S. GAAP book value (representing total shareholders' equity), less accumulated other comprehensive income as recorded on the U.S. GAAP balance sheet and excluding the cumulative (beginning January 1, 2021) foreign currency gains/losses associated with i) foreign currency remeasurement and ii) sales and redemptions of invested assets. Adjusted book value excluding foreign currency remeasurement per common share is adjusted book value excluding foreign currency remeasurement at the period end divided by the ending outstanding common shares for the period presented. The Company considers adjusted book value excluding foreign currency remeasurement and adjusted book value excluding foreign currency remeasurement per common share important as they exclude both accumulated other comprehensive income and the cumulative foreign currency remeasurement gains/losses, which fluctuate due to market movements that are outside management's control. The most comparable U.S. GAAP financial measures for adjusted book value excluding foreign currency remeasurement and adjusted book value excluding foreign currency remeasurement per common share are total book value and total book value per common share, respectively.Adjusted net investment income is net investment income adjusted for i) amortized hedge cost/income related to foreign currency exposure management strategies and certain derivative activity, and ii) net interest income/expense from foreign currency and interest rate derivatives associated with certain investment strategies, which are reclassified from net investment gains and losses to net investment income. The Company considers adjusted net investment income important because it provides a more comprehensive understanding of the costs and income associated with the Company's investments and related hedging strategies. The most comparable U.S. GAAP financial measure for adjusted net investment income is net investment income.Adjusted net investment gains and losses are net investment gains and losses adjusted for i) amortized hedge cost/income related to foreign currency exposure management strategies and certain derivative activity, ii) net interest income/expense from foreign currency and interest rate derivatives associated with certain investment strategies, which are both reclassified to net investment income, and iii) the impact of interest from derivatives associated with notes payable, which is reclassified to interest expense as a component of total adjusted expenses. The Company considers adjusted net investment gains and losses important as it represents the remainder amount that is considered outside management's control, while excluding the components that are within management's control and are accordingly reclassified to net investment income and interest expense. The most comparable U.S. GAAP financial measure for adjusted net investment gains and losses is net investment gains and losses. RECONCILIATION OF NET EARNINGS TO ADJUSTED EARNINGS(UNAUDITED – IN MILLIONS, EXCEPT FOR PER-SHARE AMOUNTS)






THREE MONTHS ENDED DECEMBER 31,
2025
2024
% Change






Net earnings
$ 1,379
$   1,902
(27.5) %






Items impacting net earnings:





Adjusted net investment (gains) losses
(591)
(1,084)

Other and non-recurring (income) loss
—
22

Income tax (benefit) expense on items excluded from adjusted earnings
30
25








Adjusted earnings
818
865
(5.4) %Current period foreign currency impact1
1
N/A

Adjusted earnings excluding current period foreign
     currency impact2
$    819
$      865
(5.3) %






Net earnings per diluted share
$   2.64
$     3.42
(22.8) %






Items impacting net earnings:





Adjusted net investment (gains) losses
(1.13)
(1.95)

Other and non-recurring (income) loss
—
0.04

Income tax (benefit) expense on items excluded from adjusted earnings
0.06
0.05








Adjusted earnings per diluted share
1.57
1.56
0.6 %Current period foreign currency impact1
—
N/A

Adjusted earnings per diluted share excluding
     current period foreign currency impact2
$   1.57
$     1.56
0.6 %

1Prior period foreign currency impact reflected as "N/A" to isolate change for current period only.2Amounts excluding current period foreign currency impact are computed using the average foreign currency exchange rate for the comparable prior-year period, which eliminates fluctuations driven solely by foreign currency exchange rate changes. RECONCILIATION OF NET EARNINGS TO ADJUSTED EARNINGS(UNAUDITED – IN MILLIONS, EXCEPT FOR PER-SHARE AMOUNTS)






TWELVE MONTHS ENDED DECEMBER 31,
2025
2024
% Change






Net earnings
$  3,646
$  5,443
(33.0) %






Items impacting net earnings:





Adjusted net investment (gains) losses
375
(1,495)

Other and non-recurring (income) loss
54
23

Income tax (benefit) expense on items excluded from adjusted earnings
(67)
101








Adjusted earnings
4,008
4,072
(1.6) %Current period foreign currency impact1
(19)
N/A

Adjusted earnings excluding current period foreign
     currency impact2
$  3,989
$  4,072
(2.0) %






Net earnings per diluted share
$   6.82
$   9.63
(29.2) %






Items impacting net earnings:





Adjusted net investment (gains) losses
0.70
(2.65)

Other and non-recurring (income) loss
0.10
0.04

Income tax (benefit) expense on items excluded from adjusted earnings
(0.13)
0.18








Adjusted earnings per diluted share
7.49
7.21
3.9 %Current period foreign currency impact1
(0.04)
N/A

Adjusted earnings per diluted share excluding
     current period foreign currency impact2
$   7.46
$   7.21
3.5 %

1Prior period foreign currency impact reflected as "N/A" to isolate change for current period only.2Amounts excluding current period foreign currency impact are computed using the average foreign currency exchange rate for the comparable prior-year period, which eliminates fluctuations driven solely by foreign currency exchange rate changes. RECONCILIATION OF NET INVESTMENT (GAINS) LOSSES TO ADJUSTED NET INVESTMENT (GAINS) LOSSES(UNAUDITED – IN MILLIONS)






THREE MONTHS ENDED DECEMBER 31,
2025
2024
% Change






Net investment (gains) losses
$   (537)
$  (1,032)
48.0 %






Items impacting net investment (gains) losses:





Amortized hedge costs
(14)
(7)

Amortized hedge income
18
26

Net interest income (expense) from derivatives associated      with certain investment strategies
(57)
(73)

Impact of interest from derivatives associated with      notes payable1
(1)
2








Adjusted net investment (gains) losses
$   (591)
$  (1,084)
45.5 %

1Amounts are included with interest expenses that are a component of adjusted expenses. RECONCILIATION OF NET INVESTMENT INCOME TO ADJUSTED NET INVESTMENT INCOME(UNAUDITED – IN MILLIONS)






THREE MONTHS ENDED DECEMBER 31,
2025
2024
% Change






Net investment income
$    973
$  1,016
(4.2) %






Items impacting net investment income:





Amortized hedge costs
(14)
(7)

Amortized hedge income
18
26

Net interest income (expense) from derivatives associated      with certain investment strategies
(57)
(73)








Adjusted net investment income
$    920
$    962
(4.4) % RECONCILIATION OF NET INVESTMENT (GAINS) LOSSES TO ADJUSTED NET INVESTMENT (GAINS) LOSSES(UNAUDITED – IN MILLIONS)






TWELVE MONTHS ENDED DECEMBER 31,
2025
2024
% Change






Net investment (gains) losses
$    572
$  (1,271)
145.0 %






Items impacting net investment (gains) losses:





Amortized hedge costs
(45)
(26)

Amortized hedge income
98
113

Net interest income (expense) from derivatives associated      with certain investment strategies
(252)
(338)

Impact of interest from derivatives associated with      notes payable1
2
27








Adjusted net investment (gains) losses
$    375
$  (1,495)
125.1 %

1Amounts are included with interest expenses that are a component of adjusted expenses. RECONCILIATION OF NET INVESTMENT INCOME TO ADJUSTED NET INVESTMENT INCOME(UNAUDITED – IN MILLIONS)






TWELVE MONTHS ENDED DECEMBER 31,
2025
2024
% Change






Net investment income
$  4,076
$  4,116
(1.0) %






Items impacting net investment income:





Amortized hedge costs
(45)
(26)

Amortized hedge income
98
113

Net interest income (expense) from derivatives associated      with certain investment strategies
(252)
(338)








Adjusted net investment income
$  3,877
$  3,865
0.3 % RECONCILIATION OF U.S. GAAP BOOK VALUE TO ADJUSTED BOOK VALUE (EXCLUDING FOREIGN CURRENCY REMEASUREMENT)(UNAUDITED - IN MILLIONS, EXCEPT FOR SHARE AND PER-SHARE AMOUNTS)






DECEMBER 31,
2025
2024
% ChangeU.S. GAAP book value
$       29,490
$       26,098

Less:





Unrealized foreign currency translation gains (losses)
(4,847)
(4,998)

Unrealized gains (losses) on securities and derivatives
(1,822)
4

Effect of changes in discount rate assumptions
8,035
2,006

Pension liability adjustment
86
10

Total AOCI
1,452
(2,978)

Adjusted book value
$       28,038
$       29,076

Less:





Foreign currency remeasurement gains (losses)
5,910
5,725

Adjusted book value excluding foreign currency remeasurement
$       22,128
$       23,351








Number of outstanding shares at end of period (000)
518,690
549,964








U.S. GAAP book value per common share
$         56.85
$         47.45
19.8 %Less:





Unrealized foreign currency translation gains (losses) per common share
(9.34)
(9.09)

Unrealized gains (losses) on securities and derivatives per common share
(3.51)
0.01

Effect of changes in discount rate assumptions      per common share
15.49
3.65

Pension liability adjustment per common share
0.17
0.02

Total AOCI per common share
2.80
(5.41)

Adjusted book value per common share
$         54.06
$         52.87
2.3 %Less:





Foreign currency remeasurement gains (losses) per common share
11.39
10.41

Adjusted book value excluding foreign currency remeasurement per common share1
$         42.66
$         42.46
0.5 %

1For the second and third quarter 2025, due to a calculation error, the Company reported adjusted book value excluding foreign currency remeasurement of $23.6 billion, or $44.17 per share, at June 30, 2025, and adjusted book value excluding foreign currency remeasurement of $24.4 billion, or $46.35 per share, at September 30, 2025. The corrected adjusted book value excluding foreign currency remeasurement was $23.0 billion, or $42.97 per share, at June 30, 2025, and the corrected adjusted book value excluding foreign currency remeasurement was $22.9 billion, or $43.52 per share, at September 30, 2025. RECONCILIATION OF U.S. GAAP RETURN ON EQUITY (ROE) TO ADJUSTED ROE (EXCLUDING IMPACT OF FOREIGN CURRENCY)




THREE MONTHS ENDED DECEMBER 31,
2025
2024U.S. GAAP ROE - Net earnings1
19.0 %
29.9 %Impact of excluding unrealized foreign currency translation gains (losses)
(3.1)
(4.8)Impact of excluding unrealized gains (losses) on securities and derivatives
(1.2)
0.3Impact of excluding effect of changes in discount rate assumptions
4.9
1.0Impact of excluding pension liability adjustment
—
—Impact of excluding AOCI
0.7
(3.5)U.S. GAAP ROE - less AOCI
19.7
26.4Differences between adjusted earnings and net earnings2
(8.0)
(14.4)Adjusted ROE - reported
11.7
12.0Impact of excluding gains (losses) associated with foreign currency remeasurement3
2.8
2.5Adjusted ROE, excluding foreign currency remeasurement
14.5
14.5

1U.S. GAAP ROE is calculated by dividing net earnings (annualized) by average shareholders' equity.2See separate reconciliation of net income to adjusted earnings.3Impact of gains/losses associated with foreign currency remeasurement is calculated by excluding the cumulative (beginning January 1, 2021) foreign currency gains/losses associated with i) foreign currency remeasurement and ii) sales and redemptions of invested assets. The impact is the difference of adjusted return on equity - reported compared with adjusted return on equity, excluding from shareholders' equity, gains/losses associated with foreign currency remeasurement. RECONCILIATION OF U.S. GAAP RETURN ON EQUITY (ROE) TO ADJUSTED ROE (EXCLUDING IMPACT OF FOREIGN CURRENCY)




TWELVE MONTHS ENDED DECEMBER 31,
2025
2024U.S. GAAP ROE - Net earnings1
13.1 %
22.6 %Impact of excluding unrealized foreign currency translation gains (losses)
(2.6)
(3.6)Impact of excluding unrealized gains (losses) on securities and derivatives
(0.5)
0.4Impact of excluding effect of changes in discount rate assumptions
2.6
(0.2)Impact of excluding pension liability adjustment
—
—Impact of excluding AOCI
(0.4)
(3.4)U.S. GAAP ROE - less AOCI
12.8
19.2Differences between adjusted earnings and net earnings2
1.3
(4.8)Adjusted ROE - reported
14.0
14.4Impact of excluding gains (losses) associated with foreign currency remeasurement3
3.6
2.9Adjusted ROE, excluding foreign currency remeasurement4
17.6
17.3

1U.S. GAAP ROE is calculated by dividing net earnings (annualized) by average shareholders' equity.2See separate reconciliation of net income to adjusted earnings.3Impact of gains/losses associated with foreign currency remeasurement is calculated by excluding the cumulative (beginning January 1, 2021) foreign currency gains/losses associated with i) foreign currency remeasurement and ii) sales and redemptions of invested assets. The impact is the difference of adjusted return on equity - reported compared with adjusted return on equity, excluding from shareholders' equity, gains/losses associated with foreign currency remeasurement.4For the second and third quarter 2025, due to a calculation error, the Company reported adjusted return on equity excluding foreign currency remeasurement in the second quarter of 16.4%, and adjusted return on equity excluding foreign currency remeasurement in the third quarter of 22.1%. The corrected adjusted return on equity excluding foreign currency remeasurement in the second quarter was 16.6%, and the corrected adjusted return on equity excluding foreign currency remeasurement in the third quarter was 23.1%. EFFECT OF FOREIGN CURRENCY ON ADJUSTED RESULTS1(SELECTED PERCENTAGE CHANGES, UNAUDITED)
THREE MONTHS ENDED DECEMBER 31, 2025
IncludingCurrencyChanges
ExcludingCurrencyChanges2Net earned premiums3
(0.2) %
0.5 %Adjusted net investment income4
(4.4)
(4.2)Total benefits and expenses
1.6
2.4Adjusted earnings
(5.4)
(5.3)Adjusted earnings per diluted share
0.6
0.6

1Refer to previously defined adjusted earnings and adjusted earnings per diluted share.2Amounts excluding currency changes were determined using the same foreign currency exchange rate for the current period as the comparable period in the prior year, which eliminates dollar-based fluctuations driven solely from currency rate changes. 3Net of reinsurance4Refer to previously defined adjusted net investment income. EFFECT OF FOREIGN CURRENCY ON ADJUSTED RESULTS1(SELECTED PERCENTAGE CHANGES, UNAUDITED)
TWELVE MONTHS ENDED DECEMBER 31, 2025
IncludingCurrencyChanges
ExcludingCurrencyChanges2Net earned premiums3
0.8 %
0.3 %Adjusted net investment income4
0.3
0.1Total benefits and expenses
0.9
0.5Adjusted earnings
(1.6)
(2.0)Adjusted earnings per diluted share
3.9
3.5

1Refer to previously defined adjusted earnings and adjusted earnings per diluted share.2Amounts excluding currency changes were determined using the same foreign currency exchange rate for the current period as the comparable period in the prior year, which eliminates dollar-based fluctuations driven solely from currency rate changes.3Net of reinsurance4Refer to previously defined adjusted net investment income.GLOSSARY OF OPERATIONAL MEASURESThe Company defines the operational measures included in this document as follows:Operating ratios are used to evaluate the Company's financial condition and profitability. Examples include: (1) Ratios to total adjusted revenues, which present expenses as percentage of total revenues and (2) Ratios to total premium, including benefit ratio. Operating ratios include: Benefit Ratio and Expense Ratio.New annualized premium sales are sometimes referred to as new sales or sales. An operating measure that is not reflected on the Company's financial statements. New annualized premium sales generally represent annual premiums on policies and riders the Company sold and incremental increases from policy conversions that would be collected over a 12-month period assuming the policies remain in force for that entire period. For Aflac Japan, new annualized premium sales are determined by applications submitted during the reporting period. For Aflac U.S., new annualized premium sales are determined by applications that are issued during the reporting period. Policy conversions are defined as the positive difference in the annualized premium when a policy upgrades in the current reporting period. The Company believes that this metric is a key indicator of the Company's future source of earnings.Premium persistency is the percentage of premiums remaining in force at the end of a period, usually one year, and presented on a trailing 12-month average basis. For example, 95% persistency would mean that 95% of the premiums in force at the beginning of a period are still in force at the end of the period. The Company believes that this metric is a key driver of in force levels, which is a key measure of the size of the Company's business and future sources of earnings.FORWARD-LOOKING INFORMATION The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. Aflac Incorporated (the Parent Company) and its subsidiaries (collectively with the Parent Company, the Company) desire to take advantage of these provisions. This document contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by Company officials in communications with the financial community and contained in documents filed with or furnished to the Securities and Exchange Commission (SEC). Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward-looking information is subject to numerous assumptions, risks and uncertainties. In particular, statements containing words such as "expect," "anticipate," "believe," "goal," "objective," "strategy," "may," "should," "estimate," "intend," "project," "future," "will," "assume," "potential," "target," "outlook," "continue" or similar words as well as specific projections of future results, generally qualify as forward-looking. The Company undertakes no obligation to update such forward-looking statements, except as may be required by law.The Company cautions readers that the following factors, in addition to other factors mentioned from time to time, could cause actual results to differ materially from those contemplated by the forward-looking statements: difficult conditions in global capital markets and the economy, including inflationdefaults and credit downgrades of investmentsglobal fluctuations in interest rates and exposure to significant interest rate riskconcentration of business in Japan limited availability of acceptable Japanese yen-denominated investmentsforeign currency fluctuations in the yen/dollar exchange ratediffering interpretations applied to investment valuationssignificant valuation judgments in determination of expected credit losses recorded on the Company's investmentsdecreases in the Company's financial strength or debt ratingsdecline in creditworthiness of other financial institutionsthe Company's ability to attract and retain qualified sales associates, brokers, employees, and distribution partnersdeviations in actual experience from pricing and reserving assumptionsability to continue to develop and implement improvements in information technology systems and on successful execution of revenue growth and expense management initiativesinterruption in telecommunication, information technology and other operational systems, or a failure to maintain the security, confidentiality, integrity or privacy of sensitive data residing on such systems, and uncertainty regarding the impact of the incident involving unauthorized access to the Company's network in June 2025subsidiaries' ability to pay dividends to the Parent Companyinherent limitations to risk management policies and proceduresoperational risks of third-party vendorstax rates applicable to the Company may changefailure to comply with restrictions on policyholder privacy and information securityextensive regulation and changes in law or regulation by governmental authoritiescompetitive environment and ability to anticipate and respond to market trendscatastrophic events, including, but not limited to, as a result of climate change, epidemics, pandemics, tornadoes, hurricanes, earthquakes, tsunamis, war or other military action, major public health issues, terrorism or other acts of violence, and damage incidental to such eventsability to protect the Aflac brand and the Company's reputationability to effectively manage key executive successionchanges in accounting standardslevel and outcome of litigation or regulatory inquiriesallegations or determinations of worker misclassification in the United States Analyst and investor contact - David A. Young, 706.596.3264; 800.235.2667 or dyoung@aflac.comMedia contact - Ines Gutzmer, 762.207.7601 or igutzmer@aflac.com





View original content to download multimedia:https://www.prnewswire.com/news-releases/aflac-incorporated-announces-fourth-quarter-results-reports-fourth-quarter-net-earnings-of-1-4-billion-reiterates-increase-in-first-quarter-dividend-of-5-2-302679427.htmlSOURCE Aflac Incorporated

Original: Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $1.4 Billion, Reiterates Increase in First Quarter Dividend of 5.2%

Aflac Incorporated to Present at the UBS Financial Services Conference 2026February 3, 2026 5:15 PM
PR Newswire (US)

COLUMBUS, Ga., Feb. 3, 2026 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) announced today that President of Aflac Incorporated and Aflac U.S. Virgil R. Miller will participate in a fireside chat at the UBS Financial Services Conference 2026 on February 11, 2026 at 9:40 a.m. ET.The presentation will be webcast live. Please click on the following link to register for the webcast at least 15 minutes prior to the presentation to download and install any necessary software.https://event.webcasts.com/starthere.jsp?ei=1751128&tp_key=ff1d441753&tp_special=8A replay of the presentation will be available within 24 hours after the conclusion of the live event using the same web address.ABOUT AFLAC INCORPORATED
Aflac Incorporated (NYSE: AFL), a Fortune 500 company, has helped provide financial protection and peace of mind for more than seven decades to millions of policyholders and customers through its subsidiaries in the United States and Japan. In the U.S., Aflac is the No. 1 provider of supplemental health insurance products.1 In Japan, Aflac Life Insurance Japan is the leading provider of cancer and medical insurance in terms of policies in force. The company takes pride in being there for its policyholders when they need us most, as well as being included in the World's Most Ethical Companies by Ethisphere for 19 consecutive years (2025) and Fortune's World's Most Admired Companies for 24 years (2025). In addition, the company became a signatory of the Principles for Responsible Investment (PRI) in 2021 and has been included in the Dow Jones Sustainability North America Index (2024) for 11 years. To find out how to get help with expenses health insurance doesn't cover, get to know us at aflac.com or aflac.com/español. Investors may learn more about Aflac Incorporated and its commitment to corporate social responsibility and sustainability at investors.aflac.com under "Sustainability."1 LIMRA 2024 U.S. Supplemental Health Insurance Total Market ReportFORWARD-LOOKING INFORMATION
The Private Securities Litigation Reform Act of 1995 provides a "safe harbor" to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. Aflac Incorporated (the Parent Company) and its subsidiaries (collectively with the Parent Company, the Company) desire to take advantage of these provisions. This document contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by Company officials in communications with the financial community and contained in documents filed with or furnished to the Securities and Exchange Commission (SEC). Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward-looking information is subject to numerous assumptions, risks and uncertainties. In particular, statements containing words such as "expect," "anticipate," "believe," "goal," "objective," "strategy," "may," "should," "estimate," "intend," "project," "future," "will," "assume," "potential," "target," "outlook," "continue" or similar words as well as specific projections of future results, generally qualify as forward-looking. The Company undertakes no obligation to update such forward-looking statements, except as may be required by law.The Company cautions readers that the following factors, in addition to other factors mentioned from time to time, could cause actual results to differ materially from those contemplated by the forward-looking statements: difficult conditions in global capital markets and the economy, including inflationdefaults and credit downgrades of investmentsglobal fluctuations in interest rates and exposure to significant interest rate riskconcentration of business in Japan limited availability of acceptable yen-denominated investmentsforeign currency fluctuations in the yen/dollar exchange ratediffering interpretations applied to investment valuationssignificant valuation judgments in determination of expected credit losses recorded on the Company's investmentsdecreases in the Company's financial strength or debt ratingsdecline in creditworthiness of other financial institutionsthe Company's ability to attract and retain qualified sales associates, brokers, employees, and distribution partnersdeviations in actual experience from pricing and reserving assumptionsability to continue to develop and implement improvements in information technology systems and on successful execution of revenue growth and expense management initiativesinterruption in telecommunication, information technology and other operational systems, or a failure to maintain the security, confidentiality, integrity or privacy of sensitive data residing on such systems, and uncertainty regarding the impact of the incident involving unauthorized access to the Company's network in June 2025subsidiaries' ability to pay dividends to the Parent Companyinherent limitations to risk management policies and proceduresoperational risks of third-party vendorstax rates applicable to the Company may changefailure to comply with restrictions on policyholder privacy and information securityextensive regulation and changes in law or regulation by governmental authoritiescompetitive environment and ability to anticipate and respond to market trendscatastrophic events, including, but not limited to, as a result of climate change, epidemics, pandemics, tornadoes, hurricanes, earthquakes, tsunamis, war or other military action, major public health issues, terrorism or other acts of violence, and damage incidental to such eventsability to protect the Aflac brand and the Company's reputationability to effectively manage key executive successionchanges in accounting standardslevel and outcome of litigation or regulatory inquiriesallegations or determinations of worker misclassification in the United StatesAnalyst and investor contact – David A. Young, 706.596.3264 or 800.235.2667 or dyoung@aflac.comMedia contact – Ines Gutzmer, 762.207.7601 or igutzmer@aflac.com





View original content to download multimedia:https://www.prnewswire.com/news-releases/aflac-incorporated-to-present-at-the-ubs-financial-services-conference-2026-302678232.htmlSOURCE Aflac Incorporated

Original: Aflac Incorporated to Present at the UBS Financial Services Conference 2026

22 Million Affected by Aflac Data Breach

~ Hackers stole names, addresses, Social Security numbers, ID numbers, and medical and health insurance information from Aflac’s systems.

Read full article from the following iHub Board link:

https://investorshub.advfn.com/boards/read_msg.aspx?message_id=177119386






•

AFL new 52 week high

AFL new 52 week high

UPDATE: I wrote that post almost 4 years ago. Aflac has since continued to perform well and its stock is currently at an all-time high. Historically, the company has conducted periodic (but not frequent) stock splits when the price gets to ATH levels... We shall see. In the meantime, GLTY and go Aflac!

AFL new 52 week high

AFL new 52 week high

AFL new 52 week high

AFL new 52 week high

Agreed

AFL Chart

AFL chart

To this day, Aflac remains a great company (and AFL a solid stock). I've invested in it since 1991, never sold a single share, and even DCA'ing monthly the *entire* time. For anyone considering AFL for the long-term, do your own diligence, but here is my current take: While Aflac may be an "old & boring" insurance company, it is also a very established dividend payer and is presently undervalued by most metrics. It's well covered with various independent analysts. AFL's Morningstar rating is typically 4 to 5 stars. Motley Fool usually depicts it with a 4 (of 5) CAPS rating (and with a 90%+ CEO approval rating with over *400* votes). In sum, Aflac is definitely not a get-rich-quick vehicle, but for me (after about 30 years of consistent dividends and periodic stock splits), it certainly remains one of my best rides to wealth.

AFL has been a great long term investment play. I’ve owned since 2011 and with the recent dividend increase and stock buyback in place will continue to be a solid long term investment.

Alert update #2 on SHLDQ (1-27-19) :

Hope you are having a great New Year :) a quick update on Sears/Kmart [OTCBB: SHLDQ] and the updated $5.2 Billion accepted buyout (see link) received last week:

This stock [OTC: SHLDQ] is both Sears and Kmart. Please review the links at the bottom from recent 8Ks. There has been an active and confirmed Short Attack that brought the SHLDQ from $140+/share down to under .40/share and volatility brought it to where it is now (.54/share) but with a reversal and last weeks announcement of a buyout for $5.2 Billion and news coming next week, we believe that SHLDQ will head back over $47/share.

There are now over 600 Kmart and Sears stores in operation in the United States with over 50,000 employees. Sears and Kmart are currently undergoing restructuring under Chapter 11 to rebuild the company and with assets of over $3 billion, this SHLDQ market cap of $58 million is unbeatable by any other pennystock.

A few facts:

SHLDQ has Outstanding Shares of less than 109 million

Float of less than 30 million shares

Market Cap of $58 million

SHLDQ insiders own over 70% of the 109 million OS

With chapter 11 restructuring, we expect that the over 600 stores nationwide will return SHLDQ back to $47+ per share.

https://www.latimes.com/business/la-fi-sears-20190109-story.html

https://www.cnbc.com/2019/01/09/eddie-lampert-reportedly-submits-revised-bid-of-roughly-5-billion-to-save-sears-from-liquidation.html

https://finance.yahoo.com/news/lampert-said-ready-higher-bid-165137897.html

https://www.cnbc.com/2019/01/08/chairman-eddie-lampert-to-get-another-chance-to-save-sears-sources-say.html

http://fortune.com/2018/12/28/sears-eddie-lampert-extension-sears-bid/

https://www.sec.gov/Archives/edgar/data/923727/000119312518343049/d666424dex9981.htm

https://www.sec.gov/Archives/edgar/data/923727/000119312518343049/d666424dsc13da.htm

https://www.sec.gov/Archives/edgar/data/1310067/000119312518341446/d667544d8k.html

https://en.wikipedia.org/wiki/Kmart

Happy New Year my friend :)

News: $AFL Aflac Incorporated to Release Fourth Quarter Results on January 31, 2019

COLUMBUS, Ga. , Jan. 25, 2019 /PRNewswire/ -- Aflac Incorporated (NYSE: AFL) announced today that it will release fourth quarter financial results after the market closes on January 31, 2019 . In conjunction with the earnings release, Aflac Incorporated will webcast a conference c...

Read the whole news https://marketwirenews.com/news-releases/aflac-incorporated-to-release-fourth-quarter-results-on-january-31-2019-7552226.html

AFL Chart

Perfect example of "filling the gap".

Now would be a great time for that $1.2 bil. buyback,yes??

AFLAC could be a good short this year

https://theintercept.com/2018/01/11/aflac-fraud-lawsuit-sales-associates/

Aflac Inc $AFL valuation models imply some upside before earnings Tuesday...

Fair Value Analysis

ROOM Question! is Aflac and TDEY affiliated with each other?
Seems like TDEY is bragging on contract signage with AFL.

Anyone have confirmations? or Updates?

quiet here

GOOOO AFLAC.

forward spit coming at $70

Q2 2013 event transcript...

http://www.earningsimpact.com/Transcript/82354/AFL/Q2-2013-Earnings-Call

AFL confirmed breakout above 52.31

BREAKOUT CONFIRMED breakout above 52.31, no resistance in area just above.
Type: Continuation breakout from single resistance.
Target: 55.19, 5.2% Stop: 51.43, Loss: 2%, Profit/Loss ratio: 2.6 : 1 - Good

CURRENT PRICE 52.47, just above resistance, 51.67 ± 0.62, type single, strength 1

RESISTANCE ABOVE None.

source: http://www.stockconsultant.com/consultnow/basicplus.cgi?symbol=AFL

AFL continuation breakout watch above 51.44

BREAKOUT WATCH for possible breakout above 51.44, no resistance in area just above.
Type: True breakout from double resistance.
Target: 54.88, 7.1% Stop: 50.1, Loss: 2.2%, Profit/Loss ratio: 3.2 : 1 - Excellent

CURRENT PRICE 51.23, at resistance, 50.71 ± 0.71, type double, strength 7

RESISTANCE ABOVE None.

source http://www.stockconsultant.com

AFL Aflac 1Q Net Surges Over Weak Year Ago; Core Profit Well Ahead Of Street
PROVIDED BY Dow Jones & Company, Inc. - 4:36 PM 04/24/2012
DOW JONES NEWSWIRES

http://stockcharts.com/h-sc/ui?s=AFL

Aflac Inc.'s (AFL) first-quarter earnings more than doubled over a year- earlier period hit by heavy investment losses, although the insurer also posted a core profit that easily exceeded expectations.

Shares jumped 5% to $44 after-hours as the insurer, which has operations in Japan and the U.S., also boosted its outlook for its Japanese operations, its largest revenue stream.

Chief Executive Daniel P. Amos said the company now expects Aflac Japan's full-year sales to increase 10%, compared with the company's previous expectation for a sales decline.

"Aflac Japan's first-quarter production set an all-time new annualized premium sales record for the third quarter in a row," Amos said. "More importantly, we believe the first quarter has positioned us for another strong year of sales activities in Japan."

Aflac (AFL) in recent months has been in the midst of an overhaul of its $100 billion investment portfolio after struggling with losses on its significant European holdings.

The insurer, which has already sold billions of dollars of European securities, in February revealed it had hired consultants from Goldman Sachs Group Inc. (GS) and McKinsey & Co. to help it broaden and re-evaluate its investment approach.

For the first quarter, Aflac (AFL) posted a profit of $785 million, or $1.68 a share, up sharply from a year-earlier profit of $389 million, or 83 cents a share.

The latest results included after-tax realized investment losses, net of realized investment gains, of $29 million, or 6 cents a share. That compares with net after-tax losses of $376 million, or 79 cents a share, in the year- earlier period.

Operating earnings, which exclude investment gains and losses, rose to $1.74 a share from $1.62 a year earlier, easily topping the $1.65 expected by analysts polled by Thomson Reuters.

Revenue jumped 22% to $6.24 billion, reflecting the benefit from a stronger yen/dollar exchange rate. Analysts expected revenue of $6.2 billion.

-By Mia Lamar, Dow Jones Newswires


(END) Dow Jones Newswires
04-24-12 1636ET

<<< $AFL Links! >>> ~ MAC's Quick DD Links without the charts.




PennyStockTweets ~ http://www.pennystocktweets.com/stocks/profile/AFL


OTC Markets Company Info ~ http://www.otcmarkets.com/stock/AFL/company-info
OTC Markets Charts ~ http://www.otcmarkets.com/stock/AFL/chart
OTC Markets Quote ~ http://www.otcmarkets.com/stock/AFL/quote
OTC Markets News ~ http://www.otcmarkets.com/stock/AFL/news
OTC Markets Financials ~ http://www.otcmarkets.com/stock/AFL/financials
OTC Markets Short Sales ~ http://www.otcmarkets.com/stock/AFL/short-sales
OTC Markets Insider Disclosure ~ http://www.otcmarkets.com/stock/AFL/insider-transactions
OTC Markets Research Reports ~ http://www.otcmarkets.com/stock/AFL/research


Google Finance Summary ~ http://www.google.com/finance?q=AFL
Google Finance News ~ http://www.google.com/finance/company_news?q=AFL
Google Finance Option chain ~ http://www.google.com/finance/option_chain?q=AFL
Google Finance Financials ~ http://www.google.com/finance?q=AFL&fstype=ii#
Google Finance Historical prices Daily ~ http://www.google.com/finance/historical?q=AFL
Google Finance Historical prices Weekly ~ http://www.google.com/finance/historical?q=AFL&histperiod=weekly#


Y! < Company >
Y! Profile ~ http://finance.yahoo.com/q/pr?s=AFL+Profile
Y! Key Stat's ~ http://finance.yahoo.com/q/ks?s=AFL+Key+Statistics
Y! Headlines ~ http://finance.yahoo.com/q/h?s=AFL+Headlines
Y! Summary ~ http://finance.yahoo.com/q?s=AFL
Y! Historical Prices ~ http://finance.yahoo.com/q/hp?s=AFL+Historical+Prices
Y! Order Book ~ http://finance.yahoo.com/q/ecn?s=AFL+Order+Book
Y! Message Boards ~ http://messages.finance.yahoo.com/mb/AFL
Y! Market Pulse ~ http://finance.yahoo.com/marketpulse/AFL
Y! Technical Analysis ~ http://finance.yahoo.com/q/ta?s=AFL+Basic+Tech.+Analysis
Y! < Analyst Coverage >
Y! Analyst Opinion ~ http://finance.yahoo.com/q/ao?s=AFL+Analyst+Opinion
Y! Analyst Estimates ~ http://finance.yahoo.com/q/ae?s=AFL+Analyst+Estimates
Y! Research Reports ~ http://finance.yahoo.com/q/rr?s=AFL+Research+Reports
Y! Star Analysts ~ http://finance.yahoo.com/q/sa?s=AFL+Star+Analysts
Y! < Ownership >
Y! Major Holders ~ http://finance.yahoo.com/q/mh?s=AFL+Major+Holders
Y! Insider Transactions ~ http://finance.yahoo.com/q/it?s=AFL+Insider+Transactions
Y! Insider Roster ~ http://finance.yahoo.com/q/ir?s=AFL+Insider+Roster
Y! < Financials >
Y! Income Statement ~ http://finance.yahoo.com/q/is?s=AFL+Income+Statement&annual
Y! Balance Sheet ~ http://finance.yahoo.com/q/bs?s=AFL+Balance+Sheet&annual
Y! Cash Flow ~ http://finance.yahoo.com/q/cf?s=AFL+Cash+Flow&annual


FINVIZ ~ http://finviz.com/quote.ashx?t=AFL&ty=c&ta=0&p=d


Investorshub Trades ~ http://ih.advfn.com/p.php?pid=trades&symbol=AFL
Investorshub Board Search ~ http://investorshub.advfn.com/boards/getboards.aspx?searchstr=AFL
Investorshub PostStream ~ http://investorshub.advfn.com/boards/poststream.aspx?ticker=AFL
Investorshub Messages ~ http://investorshub.advfn.com/boards/msgsearch.aspx?SearchStr=AFL
Investorshub Videos ~ http://ih.advfn.com/p.php?pid=ihvse&ihvqu=AFL
Investorshub News ~ http://ih.advfn.com/p.php?pid=news&btn=s_ok&ctl00%24sb3%24tbq1=Get+Quote&as_values_IH=&ctl00%24sb3%24stb1=Search+iHub&symbol=AFL&s_ok=OK&from_month=3&from_day=15&from_year=2012&order=desc&selsrc%5B%5D=prnca&selsrc%5B%5D=prnus&selsrc%5B%5D=zacks&selsrc%5B%5D=money2&selsrc%5B%5D=djn&selsrc%5B%5D=bw&selsrc%5B%5D=globe&selsrc%5B%5D=edgar&selsrc%5B%5D=mwus&force=1&last_ts=1331855999&p_n=1&p_count=&p_ts=1331794260


CandlestickChart ~ http://www.candlestickchart.com/cgi/chart.cgi?symbol=AFL&exchange=US


Barchart Quote ~ http://barchart.com/quotes/stocks/AFL?
Barchart Detailed Quote ~ http://barchart.com/detailedquote/stocks/AFL
Barchart Options Quotes ~ http://barchart.com/options/stocks/AFL
Barchart Technical Chart ~ http://barchart.com/charts/stocks/AFL&style=technical
Barchart Interactive Chart ~ http://barchart.com/charts/stocks/AFL&style=interactive
Barchart Technical Analysis ~ http://barchart.com/technicals/stocks/AFL
Barchart Trader's Cheat Sheet ~ http://barchart.com/cheatsheet.php?sym=AFL
Barchart Barchart Opinion ~ http://barchart.com/opinions/stocks/AFL
Barchart Snapshot Opinion ~ http://barchart.com/snapopinion/stocks/AFL
Barchart News Headlines ~ http://barchart.com/news/stocks/AFL
Barchart Profile ~ http://barchart.com/profile//AFL
Barchart Key Statistics ~ http://barchart.com/profile.php?sym=AFL&view=key_statistics


OTC: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=AFL&MarketTicker=OTC&TYP=S
NASDAQ: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=AFL&MarketTicker=NASD&TYP=S
NYSE: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=AFL&MarketTicker=NYSE&Typ=S


Marketwatch Profile ~ http://www.marketwatch.com/investing/stock/AFL/profile
Marketwatch Analyst Estimates ~ http://www.marketwatch.com/investing/stock/AFL/analystestimates
Marketwatch Historical Quotes ~ http://www.marketwatch.com/investing/stock/AFL/historical
Marketwatch Financials ~ http://www.marketwatch.com/investing/stock/AFL/financials
Marketwatch Overview ~ http://www.marketwatch.com/investing/stock/AFL
Marketwatch SEC Filings ~ http://www.marketwatch.com/investing/stock/AFL/secfilings
Marketwatch Picks ~ http://www.marketwatch.com/investing/stock/AFL/picks
Marketwatch Hulbert ~ http://www.marketwatch.com/investing/stock/AFL/hulbert
Marketwatch Insider Actions ~ http://www.marketwatch.com/investing/stock/AFL/insideractions
Marketwatch Options ~ http://www.marketwatch.com/investing/stock/AFL/options
Marketwatch Charts ~ http://www.marketwatch.com/investing/stock/AFL/charts
Marketwatch News ~ http://bigcharts.marketwatch.com/news/symbolsearch/symbolnews.asp?news=markadv&symb=AFL&sid=1795093&framed=False


The Lion ~ http://thelion.com/bin/aio_msg.cgi?cmd=search&msg=&si=1&tw=1&tt=1&rb=1&ih=1&fo=1&iv=1&yf=1&sa=1&fb=1&gg=1&symbol=AFL


Search NYSE ~ http://www.nyse.com/about/listed/lcddata.html?ticker=AFL


StockTA ~ http://www.stockta.com/cgi-bin/analysis.pl?symb=AFL&num1=567&cobrand=&mode=stock


StockHouse ~ http://www.stockhouse.com/financialtools/sn_overview.aspx?qm_symbol=AFL
StockHouse Delayed LII ~ http://www.stockhouse.com/financialtools/sn_level2.aspx?qm_page=46140&qm_symbol=AFL


AlphaTrade ~ http://tools.alphatrade.com/index.php?t1=mc_quote_module&t2=mc_quote_module2&t3=historical&template=historical2html&sym=AFL&client_id=2740&a_width=680&a_height=1000&language=english&showVol=1&chtype=8


Reuters ~ http://www.reuters.com/finance/stocks/companyOfficers?symbol=AFL.PK&WTmodLOC=C4-Officers-5


StockWatch ~ http://www.stockwatch.com/Quote/Detail.aspx?symbol=AFL®ion=U


Search NASDAQ ~ http://www.nasdaq.com/symbol/AFL
NASDAQ Divy History ~ http://www.nasdaq.com/symbol/AFL/dividend-history
NASDAQ Short Interest ~ http://www.nasdaq.com/symbol/AFL/short-interest
NASDAQ Institutional Ownership ~ http://www.nasdaq.com/symbol/AFL/institutional-holdings
NASDAQ FlashQuotes ~ http://www.nasdaq.com/aspx/flashquotes.aspx?symbol=AFL&selected=AFL
NASDAQ InfoQuotes ~ http://www.nasdaq.com/aspx/infoquotes.aspx?symbol=AFL&selected=AFL
NASDAQ After Hours Quote ~ http://www.nasdaq.com/symbol/AFL/after-hours
NASDAQ Pre-Market Quote ~ http://www.nasdaq.com/symbol/AFL/premarket
NASDAQ Historical Quote ~ http://www.nasdaq.com/symbol/AFL/historical
NASDAQ Option Chain ~ http://www.nasdaq.com/symbol/AFL/option-chain
NASDAQ Company Headlines ~ http://www.nasdaq.com/symbol/AFL/news-headlines
NASDAQ Press Releases ~ http://www.nasdaq.com/symbol/AFL/news-headlines
NASDAQ Sentiment ~ http://www.nasdaq.com/symbol/AFL/sentiment
NASDAQ Analyst Summary ~ http://www.nasdaq.com/symbol/AFL/analyst-research
NASDAQ Guru Analysis~ http://www.nasdaq.com/symbol/AFL/guru-analysis
NASDAQ Stock Report ~ http://www.nasdaq.com/symbol/AFL/stock-report
NASDAQ Competitors ~ http://www.nasdaq.com/symbol/AFL/competitors
NASDAQ Stock Consultant ~ http://www.nasdaq.com/symbol/AFL/stock-consultant
NASDAQ Stock Comparison ~ http://www.nasdaq.com/symbol/AFL/stock-comparison
NASDAQ Call Transcripts ~ http://www.nasdaq.com/symbol/AFL/call-transcripts
NASDAQ Annual Reports ~ http://www.nasdaq.com/aspx/annualreport.aspx?symbol=AFL&selected=AFL
NASDAQ Financials ~ http://www.nasdaq.com/symbol/AFL/financials
NASDAQ Revenue & Earnings Per Share (EPS) ~ http://www.nasdaq.com/symbol/AFL/revenue-eps
NASDAQ SEC Filings ~ http://www.nasdaq.com/symbol/AFL/sec-filings
NASDAQ Ownership Summary ~ http://www.nasdaq.com/symbol/AFL/ownership-summary
NASDAQ Institutional Ownership ~ http://www.nasdaq.com/symbol/AFL/institutional-holdings
NASDAQ (SEC Form 4) ~
--------- All Trades ~ http://www.nasdaq.com/symbol/AFL/insider-trades
--------- Buys ~ http://www.nasdaq.com/symbol/AFL/insider-trades/buys
--------- Sells ~ http://www.nasdaq.com/symbol/AFL/insider-trades/sells


The Motley Fool ~ http://caps.fool.com/Ticker/AFL.aspx
The Motley Fool Earnings/Growth ~ http://caps.fool.com/Ticker/AFL/EarningsGrowthRates.aspx?source=itxsittst0000001
The Motley Fool Ratios ~ http://caps.fool.com/Ticker/AFL/Ratios.aspx?source=itxsittst0000001
The Motley Fool Stats ~ http://caps.fool.com/Ticker/AFL/Stats.aspx?source=icasittab0000006
The Motley Fool Historical ~ http://caps.fool.com/Ticker/AFL/Historical.aspx?source=icasittab0000004
The Motley Fool Scorecard ~ http://caps.fool.com/Ticker/AFL/Scorecard.aspx?source=icasittab0000003
The Motley Fool Statements ~ http://caps.fool.com/Ticker/AFL/Statements.aspx?source=icasittab0000009


MSN Money ~ http://investing.money.msn.com/investments/stock-ratings?symbol=AFL


YCharts ~ http://ycharts.com/companies/AFL
YCharts Performance ~ http://ycharts.com/companies/AFL/performance
YCharts Dashboard ~ http://ycharts.com/companies/AFL/dashboard


InsideStocks Opinion ~ http://www.insidestocks.com/texpert.asp?sym=AFL&code=XDAILY
InsideStocks Profile ~ http://www.insidestocks.com/profile.asp?sym=AFL&code=XDAILY
InsideStocks Quote ~ http://www.insidestocks.com/quote.asp?sym=AFL&code=XDAILY
InsideStocks Projection ~ http://charts3.barchart.com/procal.asp?sym=AFL


Zacks Quote ~ http://www.zacks.com/stock/quote/AFL
Zacks Estimates ~ http://www.zacks.com/research/report.php?type=estimates&t=AFL
Zacks Company Reports ~ http://www.zacks.com/research/report.php?type=report&t=AFL


Knobias ~ http://knobias.10kwizard.com/files.php?sym=AFL


StockScores ~ http://www.stockscores.com/quickreport.asp?ticker=AFL


Trade-Ideas ~ http://www.trade-ideas.com/StockInfo/AFL/HOT_TOPIC.html


Morningstar ~ http://performance.morningstar.com/stock/performance-return.action?region=USA&t=AFL&culture=en-US
Morningstar Shareholders ~ http://investors.morningstar.com/ownership/shareholders-overview.html?t=AFL®ion=USA&culture=en-us
Morningstar Transcripts~ http://www.morningstar.com/earnings/NoTranscript.aspx?t=AFL®ion=USA
Morningstar Key Ratios ~ http://financials.morningstar.com/ratios/r.html?t=AFL®ion=USA&culture=en-US
Morningstar Executive Compensation ~ http://insiders.morningstar.com/trading/executive-compensation.action?t=AFL®ion=USA&culture=en-us
Morningstar Valuation ~ http://financials.morningstar.com/valuation/price-ratio.html?t=AFL®ion=USA&culture=en-us


CCBN (Thompson Reuters) ~ http://ccbn.aol.com/company.asp?client=aol&ticker=AFL


TradingMarkets ~ http://pr.tradingmarkets.com/?lid=leftPRbox&sym=AFL


OTCBB ~ http://www.otcbb.com/asp/SiteSearch.asp?Criteria=AFL&searcharea=e&image1.x=0&image1.y=0


Insidercow ~ http://www.insidercow.com/history/company.jsp?company=AFL&B1=Search%21


Forbes News ~ http://search.forbes.com/search/find?tab=searchtabgeneraldark&MT=AFL
Forbes Press Releases ~ http://search.forbes.com/search/find?&start=1&tab=searchtabgeneraldark&MT=AFL&pub=businesswire,prnewswire&searchResults=pressRelease&tag=pr&premium=on
Forbes Web ~ http://search.forbes.com/search/web?MT=UNGS&start=1&max=10&searchResults=web&tag=web&sort=null


YouTube Symbol Search ~ http://www.youtube.com/results?search_query=AFL


Buy-Ins ~ http://www.buyins.net/tools/symbol_stats.php?sym=AFL


Quotemedia ~ http://www.quotemedia.com/results.php?qm_page=47556&qm_symbol=AFL


Earnings Whispers ~ http://www.earningswhispers.com/stocks.asp?symbol=AFL

Bloomberg Snapshot ~ http://investing.businessweek.com/research/stocks/snapshot/snapshot.asp?ticker=AFL
Bloomberg People ~ http://investing.businessweek.com/research/stocks/people/people.asp?ticker=AFL

Financial Times ~ http://markets.ft.com/Research/Markets/Tearsheets/Summary?s=AFL

Investorpoint ~ http://www.investorpoint.com/ enter "AFL" and click search.

Hotstocked ~ http://www.hotstocked.com/ enter "AFL" and click search.

Raging Bull ~ http://ragingbull.quote.com/mboard/boards.cgi?board=AFL

Hoovers ~ http://www.hoovers.com/search/company-search-results/100003765-1.html?type=company&term=AFL

DD Machine ~ http://www.ddmachine.com/default.asp?m=stocktool_frame.asp?symbol=AFL

SEC Form 4 ~ http://www.secform4.com/insider/showhistory.php?cik=AFL

OTCBB Pulse ~ http://www.otcbbpulse.com/cgi-bin/pulsequote.cgi?symbol=AFL

Failures To Deliver ~ http://failurestodeliver.com/default2.aspx enter "AFL" and click search.

http://www.coordinatedlegal.com/SecretaryOfState.html

http://regsho.finra.org/regsho-Index.html

http://www.shortsqueeze.com/?symbol=AFL&submit=Short+Quote%99



DTCC (PENSON/TDA) Check - (otc and pinks) - Note ~ I did not check for this chart blast. However, I try and help you to do so with the following links.
IHUB DTCC BOARD SEARCH #1 http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18682&srchyr=2011&SearchStr=AFL
IHUB DTCC BOARD SEARCH #2: http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=14482&srchyr=2011&SearchStr=AFL
Check those searches for recent AFL mentions. If AFL is showing up on older posts and not on new posts found in link below, The DTCC issues may have been addressed and fixed. Always call the broker if your security turns up on any DTCC/PENSON list.
http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18682&srchyr=2011&SearchStr=Complete+list
For a complete list see the pinned threads at the top here ---> http://tinyurl.com/TWO-OLD-FARTS



MACDlinks

~ Tuesday! $AFL ~ Q1 Earnings posted, pending or coming soon! In Charts and Links Below!

~ $AFL ~ Earnings expected on Tuesday *
Want more like this? Search Keyword: MACMONEY >>> http://tinyurl.com/MACMONEY <<<
One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.








http://stockcharts.com/h-sc/ui?s=AFL&p=D&b=3&g=0&id=p88783918276&a=237480049




http://stockcharts.com/h-sc/ui?s=AFL&p=W&b=3&g=0&id=p54550695994



~ Google Finance: http://www.google.com/finance?q=AFL
~ Google Fin Options: hhttp://www.google.com/finance/option_chain?q=AFL#
~ Yahoo! Finance ~ Stats: http://finance.yahoo.com/q/ks?s=AFL+Key+Statistics
~ Yahoo! Finance ~ Profile: http://finance.yahoo.com/q/pr?s=AFL
Finviz: http://finviz.com/quote.ashx?t=AFL
~ BusyStock: http://busystock.com/i.php?s=AFL&v=2


<<<<<< http://www.earningswhispers.com/stocks.asp?symbol=AFL >>>>>>



http://investorshub.advfn.com/boards/post_prvt.aspx?user=251916

*If the earnings date is in error please ignore error. I do my best.

~ $AFL ~ Earnings posted, pending or coming soon! In Charts and Links Below!

~ $AFL ~ Earnings expected on Tuesday *
This Week In Earnings: Earnings are coming or are already posted! This is what the charts look like! If you play the earnings these posts can be very helpful to you!
Want more like this? Search Keyword: MACMONEY >>> http://tinyurl.com/MACMONEY <<<
One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.








http://stockcharts.com/h-sc/ui?s=AFL&p=D&b=3&g=0&id=p88783918276&a=237480049




http://stockcharts.com/h-sc/ui?s=AFL&p=W&b=3&g=0&id=p54550695994



~ Barchart: http://barchart.com/quotes/stocks/AFL?
~ OTC Markets: http://www.otcmarkets.com/stock/AFL/company-info
~ Google Finance: http://www.google.com/finance?q=AFL
~ Google Fin Options: hhttp://www.google.com/finance/option_chain?q=AFL#
~ Yahoo! Finance ~ Stats: http://finance.yahoo.com/q/ks?s=AFL+Key+Statistics
~ Yahoo! Finance ~ Profile: http://finance.yahoo.com/q/pr?s=AFL
Finviz: http://finviz.com/quote.ashx?t=AFL
~ BusyStock: http://busystock.com/i.php?s=AFL&v=2
~ CandlestickChart: http://www.candlestickchart.com/cgi/chart.cgi?symbol=AFL&exchange=US
~ Investorshub Trades: http://ih.advfn.com/p.php?pid=trades&symbol=AFL
~ Investorshub Board Search: http://investorshub.advfn.com/boards/getboards.aspx?searchstr=AFL
~ Investorshub PostStream Search: http://investorshub.advfn.com/boards/poststream.aspx?ticker=AFL
~ Investorshub Goodies Search: http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18582&srchyr=2011&SearchStr=AFL
~ Investorshub Message Search: http://investorshub.advfn.com/boards/msgsearch.aspx?SearchStr=AFL
~ MarketWatch: http://www.marketwatch.com/investing/stock/AFL/profile
~ E-Zone Chart: http://www.windchart.com/ezone/signals/?symbol=AFL
~ 5-Min Wind: http://www.windchart.com/stockta/analysis?symbol=AFL
~ 10-Min Wind: http://www.windchart.com/stockta/analysis?symbol=AFL&size=l&frequency=10&color=g
~ 30-Min Wind: http://www.windchart.com/stockta/analysis?symbol=AFL&size=l&frequency=30&color=g
~ 60-Min Wind: http://www.windchart.com/stockta/analysis?symbol=AFL&size=l&frequency=60&color=g


http://investorshub.advfn.com/boards/post_prvt.aspx?user=251916

*If the earnings date is in error please ignore error. I do my best.

blip63,

I think I could take that as a compliment. It is my responsibility to be where the money is. I believe in the duck. It is becoming iconic and cheaper, the very combination of categories that make me a survivor at this game.

Good Luck to you.
HT

Strong username to mod dethroning correlation.

Hey guys, Good news which I got it. Just got a newsletter saying that this stock is going to be huge come Monday. What can you guys tell me about it

any info on when the news will be out?

Another long term buy for my portfolio that I'm betting when the economy gets moving will rise significantly.

HT

Over the years, Aflac has been significantly focusing on strengthening its insurance operations through successful product launches and the expansion of its distribution system, which has been significantly contributing to its strong sales results. This has also enabled the company to generate healthy capital ratios and cash position.

Aflac Inc.’s second quarter operating earnings per share of $1.56 came in a couple higher than the Zacks Consensus Estimate of $1.54 but modestly exceeded $1.35 reported in the year-ago quarter. Operating earnings escalated 14.7% year over year to $733 million. A stronger yen/dollar exchange rate helped increase operating earnings per share by 11 cents.

Aflac is a wonderful long-term play. I'm accumulating shares.

Morgan Stanley is out with its report today on Aflac (NYSE: AFL), downgrading AFL from Overweight to Equal-weight.

In a note to clients, Morgan Stanley writes, "With an RBC ratio of 520%, the consensus view is that Aflac is flush with excess capital – as much as $2.0 billion by some estimates. Our review of its Japan SMR leads us to a different conclusion – its ratio of 512% (old method: 919%) is less robust, both in absolute and relative terms, and we expect the de-risking initiatives being executed could place further pressure on the ratio. We expect this will limit capital management opportunities for the company. We downgrade AFL to EW."


Source: http://www.benzinga.com/analyst-ratings/analyst-color/11/05/1117990/update-morgan-stanley-downgrades-aflac-to-equal-weight#ixzz1NZ1mIvXH

Chart is looking very bullish here. I think we see a big increase in PPS next week.