Form 10 Explorer
10-K
Annual Report
Aflac Incorporated

AFL

NYSE

CIK: 4977

File #: 001-07434

Period End: Dec 31, 2024

Fiscal Year: 2024

View on EDGAR
Balance Sheet
373 line items · 2 periods
XBRL
ItemDec 31, 2024Dec 31, 2023
Assets:
Investments and cash:
Fixed maturity securities, available-for-sale
65,269,000,00073,290,000,000
Consolidated Entity Excluding Variable Interest Entities (VIE)
61,841,000,00069,578,000,000
Variable Interest Entity, Consolidated
3,428,000,0003,712,000,000
Yen-denominated - Japanese bonds
17,640,000,00022,411,000,000
Yen-denominated - Municipalities
855,000,0001,025,000,000
Yen-denominated - Mortgage- and asset-backed securities
308,000,000210,000,000
Yen-denominated - Public utilities
2,840,000,0004,000,000,000
Yen-denominated - Sovereign and supranational
338,000,000390,000,000
Yen-denominated - Banks/financial institutions
5,301,000,0005,851,000,000
Yen-denominated - Other corporate
5,592,000,0006,303,000,000
Yen-denominated
32,874,000,00040,190,000,000
U.S. dollar-denominated - U.S. government and agencies
206,000,000189,000,000
U.S. dollar-denominated - Municipalities
1,179,000,0001,273,000,000
U.S. dollar-denominated - Mortgage- and asset-backed securities
3,255,000,0002,876,000,000
U.S. dollar-denominated - Public utilities
4,205,000,0003,592,000,000
U.S. dollar-denominated - Sovereign and supranational
78,000,000147,000,000
U.S. dollar-denominated - Banks/financial institutions
3,655,000,0002,984,000,000
U.S. dollar-denominated - Other corporate
19,791,000,00022,039,000,000
U.S. dollar-denominated
32,369,000,00033,100,000,000
Variable Interest Entity, Not Consolidated
6,243,000,0006,424,000,000
Public utilities
7,045,000,0007,592,000,000
Banks/financial institutions
8,956,000,0008,835,000,000
Other corporate
25,409,000,00028,342,000,000
Level 1 - Government and agencies
17,088,000,00021,700,000,000
Level 2 - Government and agencies
758,000,000900,000,000
Level 3 - Government and agencies
00
Government and agencies
17,846,000,00022,600,000,000
Level 1 - Municipalities
00
Level 2 - Municipalities
2,034,000,0002,298,000,000
Level 3 - Municipalities
00
Municipalities
2,034,000,0002,298,000,000
Level 1 - Mortgage- and asset-backed securities
00
Level 2 - Mortgage- and asset-backed securities
2,407,000,0002,314,000,000
Level 3 - Mortgage- and asset-backed securities
1,156,000,000772,000,000
Mortgage- and asset-backed securities
3,563,000,0003,086,000,000
Level 1 - Public utilities
00
Level 2 - Public utilities
6,398,000,0007,339,000,000
Level 3 - Public utilities
647,000,000253,000,000
Level 1 - Sovereign and supranational
00
Level 2 - Sovereign and supranational
393,000,000507,000,000
Level 3 - Sovereign and supranational
23,000,00030,000,000
Sovereign and supranational
416,000,000537,000,000
Level 1 - Banks/financial institutions
00
Level 2 - Banks/financial institutions
8,946,000,0008,757,000,000
Level 3 - Banks/financial institutions
10,000,00078,000,000
Level 1 - Other corporate
00
Level 2 - Other corporate
25,178,000,00027,694,000,000
Level 3 - Other corporate
231,000,000648,000,000
Level 1
17,088,000,00021,700,000,000
Level 2
46,114,000,00049,809,000,000
Level 3
2,067,000,0001,781,000,000
Level 1 - Government and agencies - Third-party pricing vendor
17,088,000,00021,692,000,000
Level 2 - Government and agencies - Third-party pricing vendor
446,000,000808,000,000
Level 3 - Government and agencies - Third-party pricing vendor
00
Government and agencies - Third-party pricing vendor
17,534,000,00022,500,000,000
Level 1 - Government and agencies - Internal
00
Level 2 - Government and agencies - Internal
312,000,00060,000,000
Level 3 - Government and agencies - Internal
00
Government and agencies - Internal
312,000,00060,000,000
Level 1 - Government and agencies - Broker/other
8,000,000
Level 2 - Government and agencies - Broker/other
32,000,000
Level 3 - Government and agencies - Broker/other
0
Government and agencies - Broker/other
40,000,000
Level 1 - Municipalities - Third-party pricing vendor
00
Level 2 - Municipalities - Third-party pricing vendor
1,791,000,0001,426,000,000
Level 3 - Municipalities - Third-party pricing vendor
00
Municipalities - Third-party pricing vendor
1,791,000,0001,426,000,000
Level 1 - Municipalities - Internal
00
Level 2 - Municipalities - Internal
243,000,000256,000,000
Level 3 - Municipalities - Internal
00
Municipalities - Internal
243,000,000256,000,000
Level 1 - Municipalities - Broker/other
0
Level 2 - Municipalities - Broker/other
616,000,000
Level 3 - Municipalities - Broker/other
0
Municipalities - Broker/other
616,000,000
Level 1 - Mortgage- and asset-backed securities - Third-party pricing vendor
00
Level 2 - Mortgage- and asset-backed securities - Third-party pricing vendor
2,352,000,0002,277,000,000
Level 3 - Mortgage- and asset-backed securities - Third-party pricing vendor
00
Mortgage- and asset-backed securities - Third-party pricing vendor
2,352,000,0002,277,000,000
Level 1 - Mortgage- and asset-backed securities - Internal
00
Level 2 - Mortgage- and asset-backed securities - Internal
55,000,00027,000,000
Level 3 - Mortgage- and asset-backed securities - Internal
37,000,000105,000,000
Mortgage- and asset-backed securities - Internal
92,000,000132,000,000
Level 1 - Mortgage- and asset-backed securities - Broker/other
00
Level 2 - Mortgage- and asset-backed securities - Broker/other
010,000,000
Level 3 - Mortgage- and asset-backed securities - Broker/other
1,119,000,000667,000,000
Mortgage- and asset-backed securities - Broker/other
1,119,000,000677,000,000
Level 1 - Public utilities - Third-party pricing vendor
00
Level 2 - Public utilities - Third-party pricing vendor
3,628,000,0004,570,000,000
Level 3 - Public utilities - Third-party pricing vendor
00
Public utilities - Third-party pricing vendor
3,628,000,0004,570,000,000
Level 1 - Public utilities - Internal
00
Level 2 - Public utilities - Internal
2,770,000,0002,677,000,000
Level 3 - Public utilities - Internal
00
Public utilities - Internal
2,770,000,0002,677,000,000
Level 1 - Public utilities - Broker/other
00
Level 2 - Public utilities - Broker/other
092,000,000
Level 3 - Public utilities - Broker/other
647,000,000253,000,000
Public utilities - Broker/other
647,000,000345,000,000
Level 1 - Sovereign and supranational - Third-party pricing vendor
00
Level 2 - Sovereign and supranational - Third-party pricing vendor
78,000,000118,000,000
Level 3 - Sovereign and supranational - Third-party pricing vendor
00
Sovereign and supranational - Third-party pricing vendor
78,000,000118,000,000
Level 1 - Sovereign and supranational - Internal
00
Level 2 - Sovereign and supranational - Internal
315,000,000330,000,000
Level 3 - Sovereign and supranational - Internal
00
Sovereign and supranational - Internal
315,000,000330,000,000
Level 1 - Sovereign and supranational - Broker/other
00
Level 2 - Sovereign and supranational - Broker/other
059,000,000
Level 3 - Sovereign and supranational - Broker/other
23,000,00030,000,000
Sovereign and supranational - Broker/other
23,000,00089,000,000
Level 1 - Banks/financial institutions - Third-party pricing vendor
00
Level 2 - Banks/financial institutions - Third-party pricing vendor
4,975,000,0005,085,000,000
Level 3 - Banks/financial institutions - Third-party pricing vendor
00
Banks/financial institutions - Third-party pricing vendor
4,975,000,0005,085,000,000
Level 1 - Banks/financial institutions - Internal
00
Level 2 - Banks/financial institutions - Internal
3,971,000,0003,008,000,000
Level 3 - Banks/financial institutions - Internal
5,000,00069,000,000
Banks/financial institutions - Internal
3,976,000,0003,077,000,000
Level 1 - Banks/financial institutions - Broker/other
00
Level 2 - Banks/financial institutions - Broker/other
0664,000,000
Level 3 - Banks/financial institutions - Broker/other
5,000,0009,000,000
Banks/financial institutions - Broker/other
5,000,000673,000,000
Level 1 - Other corporate - Third-party pricing vendor
00
Level 2 - Other corporate - Third-party pricing vendor
20,051,000,00018,088,000,000
Level 3 - Other corporate - Third-party pricing vendor
04,000,000
Other corporate - Third-party pricing vendor
20,051,000,00018,092,000,000
Level 1 - Other corporate - Internal
00
Level 2 - Other corporate - Internal
5,127,000,0004,210,000,000
Level 3 - Other corporate - Internal
116,000,000230,000,000
Other corporate - Internal
5,243,000,0004,440,000,000
Level 1 - Other corporate - Broker/other
00
Level 2 - Other corporate - Broker/other
05,396,000,000
Level 3 - Other corporate - Broker/other
115,000,000414,000,000
Other corporate - Broker/other
115,000,0005,810,000,000
Level 3 - Mortgage- and asset-backed securities - Offered quotes - Consensus pricing valuation technique
1,156,000,000772,000,000
Level 3 - Public utilities - Offered quotes - Consensus pricing valuation technique
253,000,000
Level 3 - Sovereign and supranational - Offered quotes - Consensus pricing valuation technique
23,000,00030,000,000
Level 3 - Banks/financial institutions - Credit spreads - Discounted cash flow technique
78,000,000
Level 3 - Other corporate - Credit spreads - Discounted cash flow technique
231,000,000648,000,000
Parent Company
1,713,000,0001,582,000,000
Other currencies - Other corporate
26,000,000
Other currencies
26,000,000
Level 3 - Public utilities - Credit spreads - Discounted cash flow technique
647,000,000
Level 3 - Banks/financial institutions - Private financials - Adjustd cost
10,000,000
Fixed maturity securities, held-to-maturity
15,966,000,00017,819,000,000
Yen-denominated - Japanese bonds
15,309,000,00017,083,000,000
Yen-denominated - Municipalities
235,000,000266,000,000
Yen-denominated - Public utilities
32,000,00034,000,000
Yen-denominated - Sovereign and supranational
374,000,000418,000,000
Yen-denominated - Other corporate
16,000,00018,000,000
Yen-denominated
15,966,000,00017,819,000,000
Equity securities
796,000,0001,088,000,000
Yen-denominated
484,000,000751,000,000
U.S. dollar-denominated
312,000,000252,000,000
Other currencies
085,000,000
Level 1
639,000,000840,000,000
Level 2
00
Level 3
157,000,000248,000,000
Level 1 - Third-party pricing vendor
639,000,000800,000,000
Level 2 - Third-party pricing vendor
00
Level 3 - Third-party pricing vendor
00
Third-party pricing vendor
639,000,000800,000,000
Level 1 - Internal
00
Level 2 - Internal
00
Level 3 - Internal
26,000,000216,000,000
Internal
26,000,000216,000,000
Level 1 - Broker/other
040,000,000
Level 2 - Broker/other
00
Level 3 - Broker/other
131,000,00032,000,000
Broker/other
131,000,00072,000,000
Level 3 - Private financials - Adjustd cost
157,000,000248,000,000
Commercial mortgage and other loans
10,869,000,00012,527,000,000
Variable Interest Entity, Consolidated
8,693,000,00010,150,000,000
Other investments
5,958,000,0004,530,000,000
Variable Interest Entity, Consolidated
2,176,000,0002,381,000,000
Policy loans
203,000,000214,000,000
Short-term investments
1,599,000,0001,304,000,000
Limited partnerships
3,435,000,0002,750,000,000
Real estate owned
682,000,000227,000,000
Other investments
39,000,00035,000,000
Variable Interest Entity, Not Consolidated
1,124,000,000369,000,000
Equity method investments
3,435,000,0002,750,000,000
Parent Company
1,239,000,0001,126,000,000
Cash and cash equivalents
6,229,000,0004,306,000,000
Parent Company
2,308,000,0001,007,000,000
Total investments and cash
105,087,000,000113,560,000,000
Parent Company
33,150,000,00028,223,000,000
Receivables
779,000,000848,000,000
Aflac Japan
197,000,000175,000,000
Accrued investment income
710,000,000731,000,000
Deferred policy acquisition costs
8,758,000,0009,132,000,000
Aflac Japan
5,102,000,0005,559,000,000
Aflac U.S.
3,656,000,0003,573,000,000
Corporate and other
00
Cancer - Aflac Japan
2,776,000,0002,971,000,000
Medical and other health - Aflac Japan
1,833,000,0002,041,000,000
Life insurance - Aflac Japan
441,000,000491,000,000
Other - Aflac Japan
52,000,00056,000,000
Accident - Aflac U.S.
915,000,000917,000,000
Disability - Aflac U.S.
636,000,000625,000,000
Critical care - Aflac U.S.
1,348,000,0001,336,000,000
Hospital indemnity - Aflac U.S.
452,000,000436,000,000
Dental/vision - Aflac U.S.
86,000,00086,000,000
Life insurance - Aflac U.S.
219,000,000172,000,000
Other - Aflac U.S.
01,000,000
Intercompany eliminations
00
Property and equipment, at cost less accumulated depreciation
387,000,000445,000,000
Other
1,845,000,0002,008,000,000
Parent Company
1,121,000,0001,202,000,000
Total assets
117,566,000,000126,724,000,000
Variable Interest Entity, Consolidated
14,350,000,00016,298,000,000
Aflac Japan
90,210,000,000101,541,000,000
Aflac U.S.
21,930,000,00021,861,000,000
Corporate and other
5,426,000,0003,322,000,000
Variable Interest Entity, Not Consolidated
7,367,000,0006,793,000,000
Parent Company
34,584,000,00029,946,000,000
Liabilities and shareholders' equity:
Liabilities:
Policy liabilities:
Future policy benefits
70,381,000,00083,718,000,000
Corporate and other
5,072,000,0004,225,000,000
Cancer - Aflac Japan
26,597,000,00032,652,000,000
Medical and other health - Aflac Japan
8,789,000,00010,560,000,000
Life insurance - Aflac Japan
19,109,000,00023,243,000,000
Other - Aflac Japan
3,379,000,0004,090,000,000
Accident - Aflac U.S.
630,000,000621,000,000
Disability - Aflac U.S.
695,000,000770,000,000
Critical care - Aflac U.S.
6,800,000,0007,216,000,000
Hospital indemnity - Aflac U.S.
775,000,000836,000,000
Dental/vision - Aflac U.S.
245,000,000272,000,000
Life insurance - Aflac U.S.
938,000,000911,000,000
Other - Aflac U.S.
462,000,000521,000,000
Intercompany eliminations
(5,760,000,000)(5,017,000,000)
Unpaid policy claims
381,000,000261,000,000
Unearned premiums
1,286,000,0001,451,000,000
Aflac Japan
1,199,000,0001,358,000,000
Aflac U.S.
103,000,000107,000,000
Corporate and other
22,000,00012,000,000
Intercompany eliminations
(38,000,000)(26,000,000)
Other policyholders’ funds
5,460,000,0006,169,000,000
Aflac Japan
5,460,000,0006,169,000,000
Aflac U.S.
00
Corporate and other
00
Intercompany eliminations
00
Total policy liabilities
77,508,000,00091,599,000,000
Income taxes
573,000,000154,000,000
Payables for return of cash collateral on loaned securities
2,037,000,0001,503,000,000
Notes payable and lease obligations
7,498,000,0007,364,000,000
1.125% senior notes due March 2026
399,000,000398,000,000
2.875% senior notes due October 2026
299,000,000299,000,000
3.60% senior notes due April 2030
994,000,000993,000,000
6.90% senior notes due December 2039
221,000,000221,000,000
6.45% senior notes due August 2040
255,000,000254,000,000
4.00% senior noted due October 2046
394,000,000394,000,000
4.750% senior notes due January 2049
542,000,000542,000,000
.300% senior notes due September 2025
79,000,00087,000,000
.932% senior notes due January 2027
378,000,000422,000,000
1.048% senior notes due March 2039
81,000,0000
1.075% senior notes due September 2029
211,000,000234,000,000
.500% senior notes due December 2029
79,000,00088,000,000
.550% senior notes due March 2030
84,000,00093,000,000
1.159% senior notes due October 2030
184,000,000206,000,000
1.412% senior notes due March 2031
176,000,0000
.633% senior notes due April 2031
189,000,000211,000,000
.843% senior notes due December 2031
58,000,00065,000,000
.750% senior notes due March 2032
130,000,000145,000,000
1.320% senior notes due December 2032
133,000,000148,000,000
.844% senior notes due April 2033
76,000,00084,000,000
1.488% senior notes due October 2033
95,000,000106,000,000
1.682% senior notes due March 2034
48,000,0000
1.600% senior notes due March 2034
115,000,0000
.934% senior notes due December 2034
62,000,00069,000,000
.830% senior notes due March 2035
66,000,00074,000,000
1.740% senior notes due March 2036
94,000,0000
1.039% senior notes due April 2036
63,000,00070,000,000
1.594% senior notes due September 2037
41,000,00045,000,000
1.750% senior notes due October 2038
56,000,00062,000,000
1.920% senior notes due March 2039
103,000,0000
1.122% senior notes due December 2039
39,000,00044,000,000
1.264% senior notes due April 2041
63,000,00070,000,000
2.160% senior notes due March 2044
35,000,0000
2.108% subordinated notes due October 2047
375,000,000419,000,000
.963% subordinated bonds paid April 2024
0211,000,000
1.560% senior notes due April 2051
125,000,000140,000,000
2.144% senior notes due September 2052
75,000,00084,000,000
1.958% subordinated bonds due December 2053
188,000,000210,000,000
2.400% senior notes due March 2054
122,000,0000
Yen-denominated loan variable interest rate due August 2027
74,000,00082,000,000
Yen-denominated loan variable interest rate due August 2029
160,000,000178,000,000
Yen-denominated loan variable interest rate due August 2032
441,000,000492,000,000
Parent Company
7,219,000,0006,819,000,000
Parent Company - 1.125% senior notes due March 2026
399,000,000398,000,000
Parent Company - 2.875% senior notes due October 2026
299,000,000299,000,000
Parent Company - 3.60% senior notes due April 2030
994,000,000993,000,000
Parent Company - 6.90% senior notes due December 2039
221,000,000221,000,000
Parent Company - 6.45% senior notes due August 2040
255,000,000254,000,000
Parent Company - 4.00% senior noted due October 2046
394,000,000394,000,000
Parent Company - 4.750% senior notes due January 2049
542,000,000542,000,000
Parent Company - .300% senior notes due September 2025
79,000,00087,000,000
Parent Company - .932% senior notes due January 2027
378,000,000422,000,000
Parent Company - 1.048% senior notes due March 2039
81,000,0000
Parent Company - 1.075% senior notes due September 2029
211,000,000234,000,000
Parent Company - .500% senior notes due December 2029
79,000,00088,000,000
Parent Company - .550% senior notes due March 2030
84,000,00093,000,000
Parent Company - 1.159% senior notes due October 2030
184,000,000206,000,000
Parent Company - 1.412% senior notes due March 2031
176,000,0000
Parent Company - .633% senior notes due April 2031
189,000,000211,000,000
Parent Company - .843% senior notes due December 2031
58,000,00065,000,000
Parent Company - .750% senior notes due March 2032
130,000,000145,000,000
Parent Company - 1.320% senior notes due December 2032
133,000,000148,000,000
Parent Company - .844% senior notes due April 2033
76,000,00084,000,000
Parent Company - 1.488% senior notes due October 2033
95,000,000106,000,000
Parent Company - 1.682% senior notes due March 2034
48,000,0000
Parent Company - 1.600% senior notes due March 2034
115,000,0000
Parent Company - .934% senior notes due December 2034
62,000,00069,000,000
Parent Company - .830% senior notes due March 2035
66,000,00074,000,000
Parent Company - 1.740% senior notes due March 2036
94,000,0000
Parent Company - 1.039% senior notes due April 2036
63,000,00070,000,000
Parent Company - 1.594% senior notes due September 2037
41,000,00045,000,000
Parent Company - 1.750% senior notes due October 2038
56,000,00062,000,000
Parent Company - 1.920% senior notes due March 2039
103,000,0000
Parent Company - 1.122% senior notes due December 2039
39,000,00044,000,000
Parent Company - 1.264% senior notes due April 2041
63,000,00070,000,000
Parent Company - 2.160% senior notes due March 2044
35,000,0000
Parent Company - 2.108% subordinated notes due October 2047
375,000,000419,000,000
Parent Company - 1.560% senior notes due April 2051
125,000,000140,000,000
Parent Company - 2.144% senior notes due September 2052
75,000,00084,000,000
Parent Company - 2.400% senior notes due March 2054
122,000,0000
Parent Company - Yen-denominated loan variable interest rate due August 2027
74,000,00082,000,000
Parent Company - Yen-denominated loan variable interest rate due August 2029
160,000,000178,000,000
Parent Company - Yen-denominated loan variable interest rate due August 2032
441,000,000492,000,000
Other
3,852,000,0004,119,000,000
Parent Company
920,000,000813,000,000
Total liabilities
91,468,000,000104,739,000,000
Variable Interest Entity, Consolidated
604,000,000507,000,000
Parent Company
8,486,000,0007,961,000,000
Shareholders' equity:
Common stock of $.10 par value. In thousands: authorized 1,900,000 shares in 2024 and 2023; issued 1,356,763 shares in 2024 and 1,355,398 shares in 2023
136,000,000136,000,000
Parent Company
136,000,000136,000,000
Additional paid-in capital
2,894,000,0002,771,000,000
Parent Company
2,894,000,0002,771,000,000
Retained earnings
52,277,000,00047,993,000,000
Parent Company
52,277,000,00047,993,000,000
Accumulated other comprehensive income (loss):
Unrealized foreign currency translation gains (losses)
(4,998,000,000)(4,069,000,000)
Parent Company
(4,998,000,000)(4,069,000,000)
Unrealized gains (losses) on fixed maturity securities
24,000,0001,139,000,000
Parent Company
24,000,0001,139,000,000
Unrealized gains (losses) on derivatives
(20,000,000)(22,000,000)
Parent Company
(20,000,000)(22,000,000)
Effect of changes in discount rate assumptions
2,006,000,000(2,560,000,000)
Parent Company
2,006,000,000(2,560,000,000)
Pension liability adjustment
(10,000,000)8,000,000
Parent Company
(10,000,000)8,000,000
Treasury stock, at average cost
26,231,000,00023,395,000,000
Parent Company
26,231,000,00023,395,000,000
Total shareholders’ equity
26,098,000,00021,985,000,000
Common stock
136,000,000136,000,000
Additional paid-in capital
2,894,000,0002,771,000,000
Retained earnings
52,277,000,00047,993,000,000
Accumulated other comprehensive income (loss)
(2,978,000,000)(5,520,000,000)
Treasury stock
(26,231,000,000)(23,395,000,000)
Unrealized Foreign Currency Translation Gains (Losses)
(4,998,000,000)(4,069,000,000)
Unrealized gains (losses) on available-for-sale securities
24,000,0001,139,000,000
Unrealized Gains (Losses) on Derivatives
(20,000,000)(22,000,000)
Effect of Changes in Discount Rate Assumptions
2,006,000,000(2,560,000,000)
Pension Liability Adjustment
10,000,000(8,000,000)
Parent Company
26,098,000,00021,985,000,000
Total liabilities and shareholders’ equity
117,566,000,000126,724,000,000
Parent Company
34,584,000,00029,946,000,000
Aflac Incorporated (AFL) — 10-K Filing | Form 10 Explorer