Form 10 Explorer
10-K
Annual Report
Aflac Incorporated

AFL

NYSE

CIK: 4977

File #: 001-07434

Period End: Dec 31, 2025

Fiscal Year: 2025

View on EDGAR
Balance Sheet
378 line items · 2 periods
XBRL
ItemDec 31, 2025Dec 31, 2024
Assets:
Investments and cash:
Fixed maturity securities, available-for-sale
64,121,000,00065,269,000,000
Consolidated Entity Excluding Variable Interest Entities (VIE)
60,485,000,00061,841,000,000
Variable Interest Entity, Consolidated
3,636,000,0003,428,000,000
Yen-denominated - Japanese bonds
14,377,000,00017,640,000,000
Yen-denominated - Municipalities
716,000,000855,000,000
Yen-denominated - Mortgage- and asset-backed securities
260,000,000308,000,000
Yen-denominated - Public utilities
2,468,000,0002,840,000,000
Yen-denominated - Sovereign and supranational
324,000,000338,000,000
Yen-denominated - Banks/financial institutions
5,075,000,0005,301,000,000
Yen-denominated - Other corporate
5,261,000,0005,592,000,000
Yen-denominated
28,481,000,00032,874,000,000
U.S. dollar-denominated - U.S. government and agencies
230,000,000206,000,000
U.S. dollar-denominated - Municipalities
1,214,000,0001,179,000,000
U.S. dollar-denominated - Mortgage- and asset-backed securities
4,058,000,0003,255,000,000
U.S. dollar-denominated - Public utilities
4,650,000,0004,205,000,000
U.S. dollar-denominated - Sovereign and supranational
78,000,00078,000,000
U.S. dollar-denominated - Banks/financial institutions
4,169,000,0003,655,000,000
U.S. dollar-denominated - Other corporate
21,110,000,00019,791,000,000
U.S. dollar-denominated
35,509,000,00032,369,000,000
Other currencies - Mortgage- and asset-backed securities
48,000,000
Other currencies - Public utilities
56,000,000
Other currencies - Other corporate
27,000,00026,000,000
Other currencies
131,000,00026,000,000
Variable Interest Entity, Not Consolidated
6,750,000,0006,243,000,000
Public utilities
7,174,000,0007,045,000,000
Banks/financial institutions
9,244,000,0008,956,000,000
Other corporate
26,398,000,00025,409,000,000
Level 1 - Government and agencies
13,921,000,00017,088,000,000
Level 2 - Government and agencies
686,000,000758,000,000
Level 3 - Government and agencies
00
Government and agencies
14,607,000,00017,846,000,000
Level 1 - Municipalities
00
Level 2 - Municipalities
1,930,000,0002,034,000,000
Level 3 - Municipalities
00
Municipalities
1,930,000,0002,034,000,000
Level 1 - Mortgage- and asset-backed securities
00
Level 2 - Mortgage- and asset-backed securities
2,072,000,0002,407,000,000
Level 3 - Mortgage- and asset-backed securities
2,294,000,0001,156,000,000
Mortgage- and asset-backed securities
4,366,000,0003,563,000,000
Level 1 - Public utilities
00
Level 2 - Public utilities
6,298,000,0006,398,000,000
Level 3 - Public utilities
876,000,000647,000,000
Level 1 - Sovereign and supranational
00
Level 2 - Sovereign and supranational
383,000,000393,000,000
Level 3 - Sovereign and supranational
19,000,00023,000,000
Sovereign and supranational
402,000,000416,000,000
Level 1 - Banks/financial institutions
00
Level 2 - Banks/financial institutions
9,235,000,0008,946,000,000
Level 3 - Banks/financial institutions
9,000,00010,000,000
Level 1 - Other corporate
00
Level 2 - Other corporate
26,239,000,00025,178,000,000
Level 3 - Other corporate
159,000,000231,000,000
Level 1
13,921,000,00017,088,000,000
Level 2
46,843,000,00046,114,000,000
Level 3
3,357,000,0002,067,000,000
Level 1 - Government and agencies - Third-party pricing vendor
13,921,000,00017,088,000,000
Level 2 - Government and agencies - Third-party pricing vendor
383,000,000446,000,000
Level 3 - Government and agencies - Third-party pricing vendor
00
Government and agencies - Third-party pricing vendor
14,304,000,00017,534,000,000
Level 1 - Government and agencies - Internal
00
Level 2 - Government and agencies - Internal
303,000,000312,000,000
Level 3 - Government and agencies - Internal
00
Government and agencies - Internal
303,000,000312,000,000
Level 1 - Municipalities - Third-party pricing vendor
00
Level 2 - Municipalities - Third-party pricing vendor
1,706,000,0001,791,000,000
Level 3 - Municipalities - Third-party pricing vendor
00
Municipalities - Third-party pricing vendor
1,706,000,0001,791,000,000
Level 1 - Municipalities - Internal
00
Level 2 - Municipalities - Internal
224,000,000243,000,000
Level 3 - Municipalities - Internal
00
Municipalities - Internal
224,000,000243,000,000
Level 1 - Mortgage- and asset-backed securities - Third-party pricing vendor
00
Level 2 - Mortgage- and asset-backed securities - Third-party pricing vendor
1,824,000,0002,352,000,000
Level 3 - Mortgage- and asset-backed securities - Third-party pricing vendor
00
Mortgage- and asset-backed securities - Third-party pricing vendor
1,824,000,0002,352,000,000
Level 1 - Mortgage- and asset-backed securities - Internal
00
Level 2 - Mortgage- and asset-backed securities - Internal
248,000,00055,000,000
Level 3 - Mortgage- and asset-backed securities - Internal
037,000,000
Mortgage- and asset-backed securities - Internal
248,000,00092,000,000
Level 1 - Mortgage- and asset-backed securities - Broker/other
00
Level 2 - Mortgage- and asset-backed securities - Broker/other
00
Level 3 - Mortgage- and asset-backed securities - Broker/other
2,294,000,0001,119,000,000
Mortgage- and asset-backed securities - Broker/other
2,294,000,0001,119,000,000
Level 1 - Public utilities - Third-party pricing vendor
00
Level 2 - Public utilities - Third-party pricing vendor
3,660,000,0003,628,000,000
Level 3 - Public utilities - Third-party pricing vendor
00
Public utilities - Third-party pricing vendor
3,660,000,0003,628,000,000
Level 1 - Public utilities - Internal
00
Level 2 - Public utilities - Internal
2,638,000,0002,770,000,000
Level 3 - Public utilities - Internal
00
Public utilities - Internal
2,638,000,0002,770,000,000
Level 1 - Public utilities - Broker/other
00
Level 2 - Public utilities - Broker/other
00
Level 3 - Public utilities - Broker/other
876,000,000647,000,000
Public utilities - Broker/other
876,000,000647,000,000
Level 1 - Sovereign and supranational - Third-party pricing vendor
00
Level 2 - Sovereign and supranational - Third-party pricing vendor
79,000,00078,000,000
Level 3 - Sovereign and supranational - Third-party pricing vendor
00
Sovereign and supranational - Third-party pricing vendor
79,000,00078,000,000
Level 1 - Sovereign and supranational - Internal
00
Level 2 - Sovereign and supranational - Internal
304,000,000315,000,000
Level 3 - Sovereign and supranational - Internal
00
Sovereign and supranational - Internal
304,000,000315,000,000
Level 1 - Sovereign and supranational - Broker/other
00
Level 2 - Sovereign and supranational - Broker/other
00
Level 3 - Sovereign and supranational - Broker/other
19,000,00023,000,000
Sovereign and supranational - Broker/other
19,000,00023,000,000
Level 1 - Banks/financial institutions - Third-party pricing vendor
00
Level 2 - Banks/financial institutions - Third-party pricing vendor
5,605,000,0004,975,000,000
Level 3 - Banks/financial institutions - Third-party pricing vendor
00
Banks/financial institutions - Third-party pricing vendor
5,605,000,0004,975,000,000
Level 1 - Banks/financial institutions - Internal
00
Level 2 - Banks/financial institutions - Internal
3,630,000,0003,971,000,000
Level 3 - Banks/financial institutions - Internal
5,000,0005,000,000
Banks/financial institutions - Internal
3,635,000,0003,976,000,000
Level 1 - Banks/financial institutions - Broker/other
00
Level 2 - Banks/financial institutions - Broker/other
00
Level 3 - Banks/financial institutions - Broker/other
4,000,0005,000,000
Banks/financial institutions - Broker/other
4,000,0005,000,000
Level 1 - Other corporate - Third-party pricing vendor
00
Level 2 - Other corporate - Third-party pricing vendor
21,294,000,00020,051,000,000
Level 3 - Other corporate - Third-party pricing vendor
00
Other corporate - Third-party pricing vendor
21,294,000,00020,051,000,000
Level 1 - Other corporate - Internal
00
Level 2 - Other corporate - Internal
4,945,000,0005,127,000,000
Level 3 - Other corporate - Internal
20,000,000116,000,000
Other corporate - Internal
4,965,000,0005,243,000,000
Level 1 - Other corporate - Broker/other
00
Level 2 - Other corporate - Broker/other
00
Level 3 - Other corporate - Broker/other
139,000,000115,000,000
Other corporate - Broker/other
139,000,000115,000,000
Level 3 - Mortgage- and asset-backed securities - Offered quotes - Consensus pricing valuation technique
2,294,000,0001,156,000,000
Level 3 - Public utilities - Credit spreads - Discounted cash flow technique
876,000,000647,000,000
Level 3 - Sovereign and supranational - Offered quotes - Consensus pricing valuation technique
19,000,00023,000,000
Level 3 - Banks/financial institutions - Private financials - Adjusted cost
9,000,00010,000,000
Level 3 - Other corporate - Credit spreads - Discounted cash flow technique
159,000,000231,000,000
Parent Company
1,714,000,0001,713,000,000
Fixed maturity securities, held-to-maturity
16,120,000,00015,966,000,000
Yen-denominated - Japanese bonds
15,459,000,00015,309,000,000
Yen-denominated - Municipalities
235,000,000235,000,000
Yen-denominated - Public utilities
32,000,00032,000,000
Yen-denominated - Sovereign and supranational
378,000,000374,000,000
Yen-denominated - Other corporate
16,000,00016,000,000
Yen-denominated
16,120,000,00015,966,000,000
Equity securities
887,000,000796,000,000
Yen-denominated
609,000,000484,000,000
U.S. dollar-denominated
278,000,000312,000,000
Level 1
727,000,000639,000,000
Level 2
00
Level 3
160,000,000157,000,000
Level 1 - Third-party pricing vendor
727,000,000639,000,000
Level 2 - Third-party pricing vendor
00
Level 3 - Third-party pricing vendor
00
Third-party pricing vendor
727,000,000639,000,000
Level 1 - Internal
00
Level 2 - Internal
00
Level 3 - Internal
24,000,00026,000,000
Internal
24,000,00026,000,000
Level 1 - Broker/other
00
Level 2 - Broker/other
00
Level 3 - Broker/other
136,000,000131,000,000
Broker/other
136,000,000131,000,000
Level 3 - Private financials - Adjusted cost
160,000,000157,000,000
Commercial mortgage and other loans
9,765,000,00010,869,000,000
Variable Interest Entity, Consolidated
7,896,000,0008,693,000,000
Other investments
6,622,000,0005,958,000,000
Variable Interest Entity, Consolidated
2,320,000,0002,176,000,000
Policy loans
210,000,000203,000,000
Short-term investments
1,373,000,0001,599,000,000
Limited partnerships
4,109,000,0003,435,000,000
Real estate owned
902,000,000682,000,000
Other investments
28,000,00039,000,000
Variable Interest Entity, Not Consolidated
1,603,000,0001,124,000,000
Parent Company
978,000,0001,239,000,000
Cash and cash equivalents
6,245,000,0006,229,000,000
Parent Company
2,646,000,0002,308,000,000
Total investments and cash
103,760,000,000105,087,000,000
Parent Company
37,553,000,00033,150,000,000
Receivables
835,000,000779,000,000
Aflac Japan
167,000,000197,000,000
Accrued investment income
718,000,000710,000,000
Deferred policy acquisition costs
9,034,000,0008,758,000,000
Aflac Japan
5,302,000,0005,102,000,000
Aflac U.S.
3,732,000,0003,656,000,000
Corporate and other
00
Cancer - Aflac Japan
2,965,000,0002,776,000,000
Medical and other health - Aflac Japan
1,840,000,0001,833,000,000
Life insurance - Aflac Japan
446,000,000441,000,000
Other - Aflac Japan
51,000,00052,000,000
Accident - Aflac U.S.
909,000,000915,000,000
Disability - Aflac U.S.
641,000,000636,000,000
Critical care - Aflac U.S.
1,355,000,0001,348,000,000
Hospital indemnity - Aflac U.S.
463,000,000452,000,000
Dental/vision - Aflac U.S.
87,000,00086,000,000
Life insurance - Aflac U.S.
277,000,000219,000,000
Other - Aflac U.S.
00
Intercompany eliminations
00
Property and equipment, at cost less accumulated depreciation
351,000,000387,000,000
Other
1,772,000,0001,845,000,000
Parent Company
946,000,0001,121,000,000
Total assets
116,470,000,000117,566,000,000
Variable Interest Entity, Consolidated
13,897,000,00014,350,000,000
Aflac Japan
88,537,000,00090,210,000,000
Aflac U.S.
22,317,000,00021,930,000,000
Corporate and other
5,616,000,0005,426,000,000
Variable Interest Entity, Not Consolidated
8,353,000,0007,367,000,000
Parent Company
38,852,000,00034,584,000,000
Liabilities and shareholders’ equity:
Liabilities:
Policy liabilities:
Future policy benefits
62,320,000,00070,381,000,000
Corporate and other
4,317,000,0005,072,000,000
Cancer - Aflac Japan
22,780,000,00026,597,000,000
Medical and other health - Aflac Japan
7,343,000,0008,789,000,000
Life insurance - Aflac Japan
16,347,000,00019,109,000,000
Other - Aflac Japan
2,946,000,0003,379,000,000
Accident - Aflac U.S.
659,000,000630,000,000
Disability - Aflac U.S.
651,000,000695,000,000
Critical care - Aflac U.S.
6,900,000,0006,800,000,000
Hospital indemnity - Aflac U.S.
784,000,000775,000,000
Dental/vision - Aflac U.S.
236,000,000245,000,000
Life insurance - Aflac U.S.
1,055,000,000938,000,000
Other - Aflac U.S.
476,000,000462,000,000
Intercompany eliminations
(4,997,000,000)(5,760,000,000)
Unpaid policy claims
495,000,000381,000,000
Unearned premiums
1,323,000,0001,286,000,000
Aflac Japan
1,245,000,0001,199,000,000
Aflac U.S.
97,000,000103,000,000
Corporate and other
(11,000,000)22,000,000
Intercompany eliminations
(8,000,000)(38,000,000)
Other policyholders’ funds
5,445,000,0005,460,000,000
Aflac Japan
5,445,000,0005,460,000,000
Aflac U.S.
00
Corporate and other
00
Intercompany eliminations
00
Total policy liabilities
69,583,000,00077,508,000,000
Income taxes
1,368,000,000573,000,000
Payables for return of cash collateral on loaned securities
3,989,000,0002,037,000,000
Notes payable and lease obligations
8,409,000,0007,498,000,000
1.125% senior notes due March 2026
400,000,000399,000,000
2.875% senior notes due October 2026
299,000,000299,000,000
3.60% senior notes due April 2030
995,000,000994,000,000
6.90% senior notes due December 2039
221,000,000221,000,000
6.45% senior notes due August 2040
255,000,000255,000,000
4.00% senior notes due October 2046
394,000,000394,000,000
4.750% senior notes due January 2049
542,000,000542,000,000
.300% senior notes paid September 2025
079,000,000
.932% senior notes due January 2027
382,000,000378,000,000
1.048% senior notes due March 2029
83,000,00081,000,000
1.075% senior notes due September 2029
213,000,000211,000,000
.500% senior notes due December 2029
80,000,00079,000,000
.550% senior notes due March 2030
85,000,00084,000,000
1.159% senior notes due October 2030
186,000,000184,000,000
1.726% senior notes due October 2030
223,000,0000
1.412% senior notes due March 2031
178,000,000176,000,000
.633% senior notes due April 2031
191,000,000189,000,000
.843% senior notes due December 2031
59,000,00058,000,000
.750% senior notes due March 2032
131,000,000130,000,000
1.990% senior notes due May 2032
116,000,0000
1.320% senior notes due December 2032
134,000,000133,000,000
2.003% senior notes due December 2032
149,000,0000
.844% senior notes due April 2033
76,000,00076,000,000
1.488% senior notes due October 2033
97,000,00095,000,000
1.682% senior notes due March 2034
49,000,00048,000,000
1.600% senior notes due March 2034
116,000,000115,000,000
.934% senior notes due December 2034
62,000,00062,000,000
.830% senior notes due March 2035
67,000,00066,000,000
2.320% senior notes due May 2035
245,000,0000
2.369% senior notes due June 2035
60,000,0000
1.740% senior notes due March 2036
95,000,00094,000,000
1.039% senior notes due April 2036
64,000,00063,000,000
1.594% senior notes due September 2037
41,000,00041,000,000
1.750% senior notes due October 2038
56,000,00056,000,000
1.920% senior notes due March 2039
104,000,000103,000,000
1.122% senior notes due December 2039
40,000,00039,000,000
2.650% senior notes due May 2040
74,000,0000
2.779% senior notes due June 2040
45,000,0000
1.264% senior notes due April 2041
63,000,00063,000,000
2.160% senior notes due March 2044
36,000,00035,000,000
3.040% senior notes due May 2045
45,000,0000
2.108% subordinated notes due October 2047
379,000,000375,000,000
1.560% senior notes due April 2051
127,000,000125,000,000
2.144% senior notes due September 2052
76,000,00075,000,000
1.958% subordinated bonds due December 2053
191,000,000188,000,000
2.400% senior notes due March 2054
124,000,000122,000,000
Yen-denominated loan variable interest rate due August 2027
75,000,00074,000,000
Yen-denominated loan variable interest rate due August 2029
161,000,000160,000,000
Yen-denominated loan variable interest rate due August 2032
446,000,000441,000,000
Parent Company
8,143,000,0007,219,000,000
Parent Company - 1.125% senior notes due March 2026
400,000,000399,000,000
Parent Company - 2.875% senior notes due October 2026
299,000,000299,000,000
Parent Company - 3.60% senior notes due April 2030
995,000,000994,000,000
Parent Company - 6.90% senior notes due December 2039
221,000,000221,000,000
Parent Company - 6.45% senior notes due August 2040
255,000,000255,000,000
Parent Company - 4.00% senior notes 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 paid September 2025
079,000,000
Parent Company - .932% senior notes due January 2027
382,000,000378,000,000
Parent Company - 1.048% senior notes due March 2029
83,000,00081,000,000
Parent Company - 1.075% senior notes due September 2029
213,000,000211,000,000
Parent Company - .500% senior notes due December 2029
80,000,00079,000,000
Parent Company - .550% senior notes due March 2030
85,000,00084,000,000
Parent Company - 1.159% senior notes due October 2030
186,000,000184,000,000
Parent Company - 1.726% senior notes due October 2030
223,000,0000
Parent Company - 1.412% senior notes due March 2031
178,000,000176,000,000
Parent Company - .633% senior notes due April 2031
191,000,000189,000,000
Parent Company - .843% senior notes due December 2031
59,000,00058,000,000
Parent Company - .750% senior notes due March 2032
131,000,000130,000,000
Parent Company - 1.990% senior notes due May 2032
116,000,0000
Parent Company - 1.320% senior notes due December 2032
134,000,000133,000,000
Parent Company - 2.003% senior notes due December 2032
149,000,0000
Parent Company - .844% senior notes due April 2033
76,000,00076,000,000
Parent Company - 1.488% senior notes due October 2033
97,000,00095,000,000
Parent Company - 1.682% senior notes due March 2034
49,000,00048,000,000
Parent Company - 1.600% senior notes due March 2034
116,000,000115,000,000
Parent Company - .934% senior notes due December 2034
62,000,00062,000,000
Parent Company - .830% senior notes due March 2035
67,000,00066,000,000
Parent Company - 2.320% senior notes due May 2035
245,000,0000
Parent Company - 2.369% senior notes due June 2035
60,000,0000
Parent Company - 1.740% senior notes due March 2036
95,000,00094,000,000
Parent Company - 1.039% senior notes due April 2036
64,000,00063,000,000
Parent Company - 1.594% senior notes due September 2037
41,000,00041,000,000
Parent Company - 1.750% senior notes due October 2038
56,000,00056,000,000
Parent Company - 1.920% senior notes due March 2039
104,000,000103,000,000
Parent Company - 1.122% senior notes due December 2039
40,000,00039,000,000
Parent Company - 2.650% senior notes due May 2040
74,000,0000
Parent Company - 2.779% senior notes due June 2040
45,000,0000
Parent Company - 1.264% senior notes due April 2041
63,000,00063,000,000
Parent Company - 2.160% senior notes due March 2044
36,000,00035,000,000
Parent Company - 3.040% senior notes due May 2045
45,000,0000
Parent Company - 2.108% subordinated notes due October 2047
379,000,000375,000,000
Parent Company - 1.560% senior notes due April 2051
127,000,000125,000,000
Parent Company - 2.144% senior notes due September 2052
76,000,00075,000,000
Parent Company - 2.400% senior notes due March 2054
124,000,000122,000,000
Parent Company - Yen-denominated loan variable interest rate due August 2027
75,000,00074,000,000
Parent Company - Yen-denominated loan variable interest rate due August 2029
161,000,000160,000,000
Parent Company - Yen-denominated loan variable interest rate due August 2032
446,000,000441,000,000
Other
3,631,000,0003,852,000,000
Parent Company
862,000,000920,000,000
Total liabilities
86,980,000,00091,468,000,000
Variable Interest Entity, Consolidated
765,000,000604,000,000
Parent Company
9,362,000,0008,486,000,000
Shareholders’ equity:
Common stock of $.10 par value. In thousands: authorized 1,900,000 shares in 2025 and 2024; issued 1,357,909 shares in 2025 and 1,356,763 shares in 2024
136,000,000136,000,000
Parent Company
136,000,000136,000,000
Additional paid-in capital
3,024,000,0002,894,000,000
Parent Company
3,024,000,0002,894,000,000
Retained earnings
54,682,000,00052,277,000,000
Parent Company
54,682,000,00052,277,000,000
Accumulated other comprehensive income (loss):
Unrealized foreign currency translation gains (losses)
(4,847,000,000)(4,998,000,000)
Parent Company
(4,847,000,000)(4,998,000,000)
Unrealized gains (losses) on fixed maturity securities
(1,809,000,000)24,000,000
Parent Company
(1,809,000,000)24,000,000
Unrealized gains (losses) on derivatives
(13,000,000)(20,000,000)
Parent Company
(13,000,000)(20,000,000)
Effect of changes in discount rate assumptions
8,035,000,0002,006,000,000
Parent Company
8,035,000,0002,006,000,000
Pension liability adjustment
(86,000,000)(10,000,000)
Parent Company
(86,000,000)(10,000,000)
Treasury stock, at average cost
29,804,000,00026,231,000,000
Parent Company
29,804,000,00026,231,000,000
Total shareholders’ equity
29,490,000,00026,098,000,000
Common Stock
136,000,000136,000,000
Additional Paid-in Capital
3,024,000,0002,894,000,000
Retained Earnings
54,682,000,00052,277,000,000
Accumulated other comprehensive income (loss)
1,452,000,000(2,978,000,000)
Treasury Stock
(29,804,000,000)(26,231,000,000)
Unrealized Foreign Currency Translation Gains (Losses)
(4,847,000,000)(4,998,000,000)
Unrealized gains (losses) on available-for-sale securities
(1,809,000,000)24,000,000
Unrealized Gains (Losses) on Derivatives
(13,000,000)(20,000,000)
Effect of Changes in Discount Rate Assumptions
8,035,000,0002,006,000,000
Pension Liability Adjustment
86,000,00010,000,000
Parent Company
29,490,000,00026,098,000,000
Total liabilities and shareholders’ equity
116,470,000,000117,566,000,000
Parent Company
38,852,000,00034,584,000,000