AFL / Aflac Incorporated - تصريحات هيئة الأوراق المالية والبورصات، التقرير السنوي، بيان الوكيل

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 27, 2025 Aflac Incorporate

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 27, 2025 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction of incorporation) (Commission File

Second Quarter 2025 Earnings Call Video Update Max K. Brodén August 5, 2025 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Second Quarter 2025 Earnings Call Video Update Max K. Brodén August 5, 2025 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Forward-Looking Information and Non-U.S. GAAP Financial Measures The Private Securities Litigation Reform Act of 1995 provides a “safe harbor” to encourage co

Forward-Looking Information and Non-U.S.GAAP Financial Measures 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 ide

maxteleconferencepresent Forward-Looking Information and Non-U.S.GAAP Financial Measures 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 c

Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $599 Million, Declares Third Quarter Dividend

News Release Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $599 Million, Declares Third Quarter Dividend COLUMBUS, Ga.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 5, 2025 Aflac Incorporated

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 5, 2025 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpor

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inco

Financial Supplement Second Quarter 2025

Final 8/5/2025 Financial Supplement Second Quarter 2025 This document is a statistical supplement to Aflac’s quarterly earnings release.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [ X ] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-07434 Aflac Incorporated 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) June 20, 2025 Aflac Incorporated (

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) June 20, 2025 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpora

Underwriting Agreement, dated May 30, 2025, between Aflac Incorporated and the several underwriters named in Schedule I thereto, for whom Mizuho Securities USA LLC, Morgan Stanley & Co. International plc and SMBC Nikko Securities America, Inc. acted as representatives.

Exhibit 1.1 EXECUTION VERSION Aflac Incorporated ¥35,000,000,000 1.726% Senior Notes due 2030 ¥23,400,000,000 2.003% Senior Notes due 2032 ¥9,500,000,000 2.369% Senior Notes due 2035 ¥7,000,000,000 2.779% Senior Notes due 2040 Underwriting Agreement May 30, 2025 To the several Underwriters named in Schedule I hereto Ladies and Gentlemen: Aflac Incorporated, a Georgia corporation (the “Company”), p

Forty-Fourth Supplemental Indenture, dated as of June 5, 2005, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 2.779% Senior Note due 2040).

Exhibit 4.4 Execution Version AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE FORTY-FOURTH SUPPLEMENTAL INDENTURE Dated as of June 5, 2025 ¥7,000,000,000 2.779% Senior Notes due 2040 TABLE OF CONTENTS 2.779% SENIOR NOTES DUE 2040 ARTICLE I Page Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Sect

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 29, 2025 Aflac Incorporated (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 29, 2025 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction of incorporation) (Commission File Numb

Forty-First Supplemental Indenture, dated as of June 5, 2025, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.726% Senior Note due 2030).

Exhibit 4.1 Execution Version AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE FORTY-FIRST SUPPLEMENTAL INDENTURE Dated as of June 5, 2025 ¥35,000,000,000 1.726% Senior Notes due 2030 TABLE OF CONTENTS 1.726% SENIOR NOTES DUE 2030 ARTICLE I Page Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Sect

Forty-Second Supplemental Indenture, dated as of June 5, 2025, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 2.003% Senior Note due 2032).

Exhibit 4.2 Execution Version AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE FORTY-SECOND SUPPLEMENTAL INDENTURE Dated as of June 5, 2025 ¥23,400,000,000 2.003% Senior Notes due 2032 TABLE OF CONTENTS 2.003% SENIOR NOTES DUE 2032 ARTICLE I Page Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Sec

Forty-Third Supplemental Indenture, dated as of June 5, 2005, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 2.369% Senior Note due 2035).

  Exhibit 4.3   Execution Version   AFLAC INCORPORATED, AS ISSUER   AND   THE BANK OF NEW YORK MELLON   TRUST COMPANY, N.A., AS TRUSTEE   FORTY-THIRD SUPPLEMENTAL INDENTURE   Dated as of June 5, 2025       ¥9,500,000,000   2.369% Senior Notes due 2035         TABLE OF CONTENTS       2.369% SENIOR NOTES DUE 2035         ARTICLE I Page       Section 1.01 Establishment 1 Section 1.02 Definitions 2 Se

Table 1: Newly Registered and Carry Forward Securities

Calculation of Filing Fee Tables S-3 AFLAC INC Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt 1.

Prospectus Supplement to Prospectus dated September 6, 2024. Aflac Incorporated ¥35,000,000,000 1.726% Senior Notes due 2030 ¥23,400,000,000 2.003% Senior Notes due 2032 ¥9,500,000,000 2.369% Senior Notes due 2035 ¥7,000,000,000 2.779% Senior Notes d

TABLE OF CONTENTS  Filed Pursuant to Rule 424(b)(2)  Registration No. 333-281977 Prospectus Supplement to Prospectus dated September 6, 2024. ¥74,900,000,000 Aflac Incorporated ¥35,000,000,000 1.726% Senior Notes due 2030 ¥23,400,000,000 2.003% Senior Notes due 2032 ¥9,500,000,000 2.369% Senior Notes due 2035 ¥7,000,000,000 2.779% Senior Notes due 2040 This is an offering by Aflac Incorporated of

Aflac incorporated ¥35,000,000,000 1.726% SENIOR NOTES DUE 2030 ¥23,400,000,000 2.003% SENIOR NOTES DUE 2032 ¥9,500,000,000 2.369% SENIOR NOTES DUE 2035 ¥7,000,000,000 2.779% SENIOR NOTES DUE 2040 final term sheet Dated May 30, 2025

ISSUER FREE WRITING PROSPECTUS (RELATING TO THE PRELIMINARY PROSPECTUS SUPPLEMENT DATED MAY 26, 2025 AND THE PROSPECTUS DATED september 6, 2024) REGISTRATION NO.

Subject to Completion. Dated May 26, 2025 Preliminary Prospectus Supplement to Prospectus dated September 6, 2024. Aflac Incorporated ¥    % Senior Notes due ¥    % Senior Notes due ¥    % Senior Notes due

TABLE OF CONTENTS The information in this preliminary prospectus supplement is not complete and may be changed.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 8, 2025 (May 5, 2025) Aflac In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 8, 2025 (May 5, 2025) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inc

Forward-Looking Statements and Non-GAAP Financial Measures 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 identifi

Forward-Looking Statements and Non-GAAP Financial Measures 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 Announces First Quarter Results, Reports First Quarter Net Earnings of $29 Million, Declares Second Quarter Dividend

News Release Aflac Incorporated Announces First Quarter Results, Reports First Quarter Net Earnings of $29 Million, Declares Second Quarter Dividend COLUMBUS, Ga.

Financial Supplement First Quarter 2025

FINAL 4/30/2025 Financial Supplement First Quarter 2025 This document is a statistical supplement to Aflac’s quarterly earnings release.

First Quarter 2025 Earnings Call Video Update Max K. Brodén April 30, 2025 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

First Quarter 2025 Earnings Call Video Update Max K. Brodén April 30, 2025 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act of

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 30, 2025 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpor

Notice of Exempt Solicitation Pursuant to Rule 14a-103

Notice of Exempt Solicitation Pursuant to Rule 14a-103 Name of Registrant: Aflac Incorporated (AFL) Name of person relying on exemption: John Chevedden, Aflac Shareholder Address of persons relying on exemption: POB 2673, Redondo Beach, CA 90278 The attached written materials are submitted pursuant to Rule 14a-6(g)(1) promulgated under the Securities Exchange Act of 1934.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Defin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

AMENDMENT TO EMPLOYMENT AGREEMENT BETWEEN MAX BRODÉN AND AFLAC INCORPORATED

AMENDMENT TO EMPLOYMENT AGREEMENT BETWEEN MAX BRODÉN AND AFLAC INCORPORATED THIS AMENDMENT (“Amendment”) is entered into as of the day last set forth below by and between Aflac Incorporated, a Georgia corporation (hereinafter referred to as “Corporation”) and Max Brodén (hereinafter referred to as “Employee”).

AFLAC INCORPORATED’S INSIDER TRADING POLICY AND COMPLIANCE PROCEDURES

Aflac Incorporated 2024 Form 10-K EXHIBIT 19 Certain identified information has been omitted from this document because it is not material and is treated as private, and has been marked with “[***]” to indicate where omissions have been made.

Aflac Incorporated

Aflac Incorporated 2024 Form 10-K EXHIBIT 21 Aflac Incorporated SUBSIDIARIES The following list sets forth the subsidiaries of Aflac Incorporated: Company Jurisdiction American Family Life Assurance Company of Columbus (Aflac) Nebraska American Family Life Assurance Company of New York(1) New York Aflac Re Bermuda Ltd.

AMENDMENT TO EMPLOYMENT AGREEMENT BETWEEN AUDREY BOONE TILLMAN AND AFLAC INCORPORATED

AMENDMENT TO EMPLOYMENT AGREEMENT BETWEEN AUDREY BOONE TILLMAN AND AFLAC INCORPORATED THIS AMENDMENT (“Amendment”) is entered into as of the day last set forth below by and between Aflac Incorporated, a Georgia corporation (hereinafter referred to as “Corporation”) and Audrey Boone Tillman (hereinafter referred to as “Employee”).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Incorpor

Forward-Looking Statements and Non-GAAP Financial Measures 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 identifi

Forward-Looking Statements and Non-GAAP Financial Measures 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 Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $1.9 Billion, Reiterates Increase in First Quarter Dividend of 16%

News Release Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $1.

Financial Supplement Fourth Quarter 2024

Final 2/5/2025 Financial Supplement Fourth Quarter 2024 This document is a statistical supplement to Aflac’s quarterly earnings release.

Fourth Quarter 2024 Earnings Call Video Update Max K. Brodén February 5, 2025 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Fourth Quarter 2024 Earnings Call Video Update Max K. Brodén February 5, 2025 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 5, 2025 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac

Financial Supplement Third Quarter 2024

FINAL 10/30/2024 Financial Supplement Third Quarter 2024 This document is a statistical supplement to Aflac’s quarterly earnings release.

Forward-Looking Statements and Non-GAAP Financial Measures 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 identifi

Forward-Looking Statements and Non-GAAP Financial Measures 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.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 30, 2024 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

Third Quarter 2024 Earnings Call Video Update Max K. Brodén October 30, 2024 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Third Quarter 2024 Earnings Call Video Update Max K. Brodén October 30, 2024 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act o

Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Losses of $93 Million, Declares Fourth Quarter Cash Dividend

News Release Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Losses of $93 Million, Declares Fourth Quarter Cash Dividend COLUMBUS, Ga.

Form T-1 Statement of Eligibility under the Trust Indenture Act of The Bank of New York Mellon Trust Company, N.A. under the Senior Debt Indenture dated as of May 21, 2009.

Exhibit 25.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) || THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. (Exact name of trustee as specified in its charter) (J

Form T-1 Statement of Eligibility under the Trust Indenture Act of The Bank of New York Mellon Trust Company, N.A. under the Subordinated Debt Indenture dated as of September 26, 2012.

Exhibit 25.2 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) || THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. (Exact name of trustee as specified in its charter) (J

Calculation of Filing Fee Tables

Calculation of Filing Fee Tables S-3 AFLAC INC Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Debt Senior Debt Securities 457(r) 0.

As filed with the Securities and Exchange Commission on September 6, 2024

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on September 6, 2024 Registration No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inco

Forward-Looking Statements and Non-GAAP Financial Measures 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 identifi

Forward-Looking Statements and Non-GAAP Financial Measures 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.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 31, 2024 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpora

Second Quarter 2024 Earnings Call Video Update Max K. Brodén July 31, 2024 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Second Quarter 2024 Earnings Call Video Update Max K. Brodén July 31, 2024 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act of

Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.8 Billion, Declares Third Quarter Cash Dividend

News Release Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.

Financial Supplement Second Quarter 2024

FINAL 7/31/2024 Financial Supplement Second Quarter 2024 This document is a statistical supplement to Aflac’s quarterly earnings release.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [ X ] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-07434 Aflac Incorporated 4

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 9, 2024 (May 6, 2024) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inc

First Quarter 2024 Earnings Call Video Update Max K. Brodén May 1, 2024 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

First Quarter 2024 Earnings Call Video Update Max K. Brodén May 1, 2024 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act of 199

Aflac Incorporated Announces First Quarter Results, Reports First Quarter Net Earnings of $1.9 Billion, Declares Second Quarter Cash Dividend

News Release Aflac Incorporated Announces First Quarter Results, Reports First Quarter Net Earnings of $1.

Forward-Looking Statements and Non-GAAP Financial Measures 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 identifi

a1q24maxsteleconferencep Forward-Looking Statements and Non-GAAP Financial Measures 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.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 1, 2024 Aflac Incorporated (Ex

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 1, 2024 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorporati

Financial Supplement First Quarter 2024

FINAL 5/1/2024 Financial Supplement First Quarter 2024 This document is a statistical supplement to Aflac’s quarterly earnings release.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Defin

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) March 19, 2024 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction of incorporation) (Commission File Nu

DEF 14A

About Aflac Incorporated Aflac Incorporated (the “Company”), through its subsidiaries, provides financial protection to our millions of policyholders and customers worldwide.

Thirty-Eighth Supplemental Indenture, dated as of March 21, 2024, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.048% Senior Note due 2029).

Exhibit 4.1 Execution Version AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTY-EIGHTH SUPPLEMENTAL INDENTURE Dated as of March 21, 2024 ¥13,000,000,000 1.048% Senior Notes due 2029 TABLE OF CONTENTS ARTICLE I 1.048% SENIOR NOTES DUE 2029 ARTICLE I Page Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

Underwriting Agreement, dated March 14, 2024, between Aflac Incorporated and Mizuho Securities USA LLC, Morgan Stanley & Co. International plc and SMBC Nikko Securities America, Inc., as representatives of the several underwriters named in Schedule 1 thereto.

Exhibit 1.1 EXECUTION VERSION Aflac Incorporated ¥13,000,000,000 1.048% Senior Notes due 2029 ¥27,900,000,000 1.412% Senior Notes due 2031 ¥7,700,000,000 1.682% Senior Notes due 2034 Underwriting Agreement March 14, 2024 To the several Underwriters named in Schedule I hereto Ladies and Gentlemen: Aflac Incorporated, a Georgia corporation (the “Company”), proposes, subject to the terms and conditio

Fortieth Supplemental Indenture, dated as of March 21, 2024, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.682% Senior Note due 2034).

Exhibit 4.3 Execution Version AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE FORTIETH SUPPLEMENTAL INDENTURE Dated as of March 21, 2024 ¥7,700,000,000 1.682% Senior Notes due 2034 TABLE OF CONTENTS ARTICLE I 1.682% SENIOR NOTES DUE 2034 ARTICLE I Page Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interes

Thirty-Ninth Supplemental Indenture, dated as of March 21, 2024, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.412% Senior Note due 2031).

Exhibit 4.2 Execution Version AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTY-NINTH SUPPLEMENTAL INDENTURE Dated as of March 21, 2024 ¥27,900,000,000 1.412% Senior Notes due 2031 TABLE OF CONTENTS ARTICLE I 1.412% SENIOR NOTES DUE 2031 ARTICLE I Page Section 1.01   Establishment 1 Section 1.02   Definitions 2 Section 1.03   Payment of Principal

Prospectus Supplement to Prospectus dated September 7, 2021. Aflac Incorporated ¥13,000,000,000 1.048% Senior Notes due 2029 ¥27,900,000,000 1.412% Senior Notes due 2031 ¥7,700,000,000 1.682% Senior Notes due 2034

TABLE OF CONTENTS    Filed Pursuant to Rule 424(b)(2)   Registration No. 333-259379 Prospectus Supplement to Prospectus dated September 7, 2021. ¥48,600,000,000 Aflac Incorporated ¥13,000,000,000 1.048% Senior Notes due 2029 ¥27,900,000,000 1.412% Senior Notes due 2031 ¥7,700,000,000 1.682% Senior Notes due 2034 This is an offering by Aflac Incorporated of ¥13,000,000,000 principal amount of its 1

Calculation of Filing Fee Table (Form Type) AFLAC INCORPORATED (Exact Name of Registrant as Specified in its Charter) (Translation of Registrant’s Name into English) Table 1: Newly Registered and Carry Forward Securities

EXHIBIT 107 - FILING FEES Calculation of Filing Fee Table 424B2 (Form Type) AFLAC INCORPORATED (Exact Name of Registrant as Specified in its Charter) (Translation of Registrant’s Name into English) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Newly Registered Securities Fees to Be Paid Debt 1.

Aflac incorporated ¥13,000,000,000 1.048% SENIOR NOTES DUE 2029 ¥27,900,000,000 1.412% SENIOR NOTES DUE 2031 ¥7,700,000,000 1.682% SENIOR NOTES DUE 2034 final term sheet Dated March 14, 2024

ISSUER FREE WRITING PROSPECTUS (RELATING TO THE PRELIMINARY PROSPECTUS SUPPLEMENT DATED March 11, 2024 AND THE PROSPECTUS DATED september 7, 2021) REGISTRATION NO.

Subject to Completion. Dated March 11, 2024 Preliminary Prospectus Supplement to Prospectus dated September 7, 2021. Aflac Incorporated ¥    % Senior Notes due ¥    % Senior Notes due

TABLE OF CONTENTS The information in this preliminary prospectus supplement is not complete and may be changed.

Aflac Incorporated

Aflac Incorporated 2023 Form 10-K EXHIBIT 21 Aflac Incorporated SUBSIDIARIES The following list sets forth the subsidiaries of Aflac Incorporated: Company Jurisdiction American Family Life Assurance Company of Columbus (Aflac) Nebraska American Family Life Assurance Company of New York(1) New York Aflac Re Bermuda Ltd.

Worldwide Headquarters • 1932 Wynnton Road • Columbus, GA 31999 706.323.3431 telephone • aflac.com

October 30, 2023 Re: Letter of Agreement Dear Fred: This Letter of Agreement, which is effective as of October 30, 2023 (the “Effective Date”), summarizes the terms and conditions of your employment with Aflac Incorporated (“Aflac”) and retirement thereafter, and amends your Employment Agreement, dated April 29, 2021, as amended (including as amended by the terms of this Letter of Agreement) (the “Employment Agreement”).

AFLAC INCORPORATED POLICY ON RECOUPMENT OF INCENTIVE COMPENSATION

Aflac Incorporated 2023 Form 10-K EXHIBIT 97 AFLAC INCORPORATED POLICY ON RECOUPMENT OF INCENTIVE COMPENSATION Introduction The Compensation Committee (the “Compensation Committee”) of the Board of Directors (the “Board”) of Aflac Incorporated (the “Company”) has adopted this Policy on Recoupment of Incentive Compensation (this “Clawback Policy”), which provides for the recoupment of compensation in certain circumstances in the event of a restatement of financial results by the Company.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Incorpor

AFL / Aflac Incorporated / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0199-aflacinc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 12)* Name of issuer: Aflac Inc Title of Class of Securities: Common Stock CUSIP Number: 001055102 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to designate the rule pursua

Forward-Looking Statements and Non-GAAP Financial Measures 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 identifi

aflex994q42023 Forward-Looking Statements and Non-GAAP Financial Measures 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.

Fourth Quarter 2023 Earnings Call Video Update Max K. Brodén January 31, 2024 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Fourth Quarter 2023 Earnings Call Video Update Max K. Brodén January 31, 2024 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 31, 2024 Aflac Incorporate

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) January 31, 2024 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

Financial Supplement Fourth Quarter 2023

FINAL 1/31/2024 Financial Supplement Fourth Quarter 2023 This document is a statistical supplement to Aflac’s quarterly earnings release.

Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $268 Million, Reiterates Increase in First Quarter Dividend of 19%

News Release Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $268 Million, Reiterates Increase in First Quarter Dividend of 19% COLUMBUS, Ga.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) December 8, 2023 (December 5, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) December 8, 2023 (December 5, 2023) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS

Bylaws of the Corporation, as amended and restated. Incorporated herein by reference to Exhibit 3.1 from Aflac Incorporated’s Current Report on Form 8-K, dated November 17, 2023.

Amended and Restated Bylaws of Aflac Incorporated (As of November 16, 2023) ARTICLE I OFFICES Section 1.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) November 17, 2023 (November 16, 2023) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac

Third Quarter 2023 Earnings Call Video Update Max K. Brodén November 1, 2023 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Third Quarter 2023 Earnings Call Video Update Max K. Brodén November 1, 2023 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act o

Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Earnings of $1.6 Billion, Declares Fourth Quarter Dividend, Increases First Quarter 2024 Dividend 19%

News Release Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Earnings of $1.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) November 1, 2023 (October 30, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) November 1, 2023 (October 30, 2023) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS

Financial Supplement Third Quarter 2023

FINAL 11/1/2023 Financial Supplement Third Quarter 2023 This document is a statistical supplement to Aflac’s quarterly earnings release.

Forward-Looking Statements and Non-GAAP Financial Measures 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 identifi

Forward-Looking Statements and Non-GAAP Financial Measures 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.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) November 1, 2023 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

PROSPECTUS Aflac Incorporated Worldwide Headquarters 1932 Wynnton Road Columbus, Georgia 31999 1.800.227.4756 — 706.596.3581 [email protected] or [email protected] AFL Stock Plan A Direct Stock Purchase and Dividend Reinvestment Plan

TABLE OF CONTENTS  Filed pursuant to Rule 424(b)(2)  Registration No. 333-273722 PROSPECTUS Aflac Incorporated Worldwide Headquarters 1932 Wynnton Road Columbus, Georgia 31999 1.800.227.4756 — 706.596.3581 [email protected] or [email protected] AFL Stock Plan A Direct Stock Purchase and Dividend Reinvestment Plan We are offering you the opportunity to participate in our AFL Stock Plan

August 31, 2023

August 31, 2023 U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Attention: John Stickel, Christian Windsor VIA EDGAR Re: Aflac Incorporated Registration Statement on Form S-3 File No. 333-273722 Acceleration Request Ladies and Gentlemen: Pursuant to Rule 461 under the Securities Act of 1933, as amended, Aflac Incorporated hereby res

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables FORM S-3 (Form Type) Aflac Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit(3) Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee(3) Carry Forward Form Type Carry Forward File Number Carry Forward Initial effective date Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be paid Fees Previously Paid Equity Common Stock, par value $0.

As filed with the Securities and Exchange Commission on August 4, 2023

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on August 4, 2023 Registration No.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inco

Financial Supplement Second Quarter 2023

FINAL 8/1/2023 Financial Supplement Second Quarter 2023 This document is a statistical supplement to Aflac’s quarterly earnings release.

Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.6 Billion, Declares Third Quarter Cash Dividend

News Release Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.

Second Quarter 2023 Earnings Call Video Update Max K. Brodén August 1, 2023 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Second Quarter 2023 Earnings Call Video Update Max K. Brodén August 1, 2023 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act of

Forward-Looking Statements and Non-GAAP Financial Measures 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 identifi

aflex994q22023 Forward-Looking Statements and Non-GAAP Financial Measures 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.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 1, 2023 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpor

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [ X ] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-07434 Aflac Incorporated 4

FOURTH AMENDMENT TO THE AMERICAN FAMILY CORPORATION RETIREMENT PLAN FOR SENIOR OFFICERS

FOURTH AMENDMENT TO THE AMERICAN FAMILY CORPORATION RETIREMENT PLAN FOR SENIOR OFFICERS THIS FOURTH AMENDMENT to the American Family Corporation Retirement Plan for Senior Officers (the “Plan”) is made by Aflac Incorporated (as the successor to American Family Corporation; the “Company”).

THIRD AMENDMENT TO THE AFLAC INCORPORATED SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN (as amended and restated effective January 1, 2009)

THIRD AMENDMENT TO THE AFLAC INCORPORATED SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN (as amended and restated effective January 1, 2009) This Amendment to the Aflac Incorporated Supplemental Executive Retirement Plan, as amended and restated effective January 1, 2009 (the “Plan”), is made by Aflac Incorporated (the “Company”).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) June 13, 2023 (June 9, 2023) Aflac

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) June 13, 2023 (June 9, 2023) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employ

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 4, 2023 (May 1, 2023) Aflac In

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 4, 2023 (May 1, 2023) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer

As filed with the Securities and Exchange Commission on May 1, 2023

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on May 1, 2023 Registration No.

AFLAC INCORPORATED EXECUTIVE OFFICER SEVERANCE PLAN

AFLAC INCORPORATED EXECUTIVE OFFICER SEVERANCE PLAN 1.INTRODUCTION 1.1Overview. As an Eligible Employee who has entered into a Participation Agreement with the Company and incurs an Eligible Termination (all defined below), you will be entitled to severance pay and benefits, generally in an amount and form, at such times, and subject to the terms, described in this document. 1.2Effective Date. Thi

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables FORM S-3ASR (Form Type) Aflac Incorporated (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title(1) Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fe

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inc

Aflac Incorporated Announces First Quarter Results, Reports First Quarter Net Earnings of $1.2 Billion, Declares Second Quarter Cash Dividend

News Release Aflac Incorporated Announces First Quarter Results, Reports First Quarter Net Earnings of $1.

First Quarter 2023 Earnings Call Video Update Max K. Brodén April 26, 2023 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

First Quarter 2023 Earnings Call Video Update Max K. Brodén April 26, 2023 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 1 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 26, 2023 Aflac Incorporated

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 26, 2023 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpor

Forward-Looking Statements and Non-GAAP Financial Measures 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 identifi

aflex994q12023 Forward-Looking Statements and Non-GAAP Financial Measures 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.

Financial Supplement First Quarter 2023

FINAL 4/26/2023 Financial Supplement First Quarter 2023 This document is a statistical supplement to Aflac’s quarterly earnings release.

Definitive Additional Materials pursuant to Section 14(a) of the Exchange Act, filed with the SEC on March 16, 2023

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☑ Defin

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 27, 2023 Aflac Incorporat

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 27, 2023 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incor

Financial Analysts Briefing Supplement Fourth Quarter 2022 - As Adjusted

AS ADJUSTED FINAL Financial Analysts Briefing Supplement Fourth Quarter 2022 - As Adjusted This document is a statistical supplement to the Financial Analysts Briefing (FAB) book.

2

December 19, 2022 Mr. Frederick Crawford 1201 Front Avenue, Unit 503 Columbus, GA 31901 Dear Fred, This correspondence summarizes the terms and conditions associated with your extended business travel next year. You will be working in the Aflac Life Insurance Japan, Ltd. ("Aflac Japan") office in Tokyo, Japan. As discussed in further detail below, while in Japan, you will continue to serve in your

AMENDMENT TO EMPLOYMENT AGREEMENT

AMENDMENT TO EMPLOYMENT AGREEMENT THIS AMENDMENT is made and entered into as of the 24th day of October, 2022, by and between Aflac Incorporated, a Georgia corporation, hereinafter referred to as "Corporation," and Max K.

Worldwide Headquarters · 1932 Wynnton Road · Columbus, GA 31999 706.323.3431 telephone · aflac.com

October 21, 2022 Re: Letter of Agreement Dear Eric: This Letter of Agreement summarizes the terms and conditions of your employment with Aflac effective October 31, 2022.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Incorpor

AMENDMENT TO EMPLOYMENT AGREEMENT

AMENDMENT TO EMPLOYMENT AGREEMENT THIS AMENDMENT is made and entered into as of the 24th day of October, 2022, by and between Aflac Incorporated, a Georgia corporation, hereinafter referred to as "Corporation," and Audrey B.

AMENDMENT TO EMPLOYMENT AGREEMENT

AMENDMENT TO EMPLOYMENT AGREEMENT THIS AMENDMENT is made and entered into as of the 24th day of October, 2022, by and between Aflac Incorporated, a Georgia corporation, hereinafter referred to as "Corporation," and Frederick J.

CONSULTING AGREEMENT

CONSULTING AGREEMENT THIS CONSULTING AGREEMENT (this “Agreement”), is made and entered into as of the 21 day of 10, 2022, by and between AFLAC INCORPORATED, a Georgia corporation, hereinafter referred to as “Corporation,” and ERIC M.

Aflac Incorporated

Aflac Incorporated 2022 Form 10-K EXHIBIT 21 Aflac Incorporated SUBSIDIARIES The following list sets forth the subsidiaries of Aflac Incorporated: Company Jurisdiction American Family Life Assurance Company of Columbus (Aflac) Nebraska American Family Life Assurance Company of New York(1) New York Aflac Re Bermuda Ltd.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 10, 2023 (February 9, 2023) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IR

2

EX-10.1 2 exhibit101-2023managementi.htm EX-10.1 Aflac Incorporated 2023 Management Incentive Plan Purposes. The purposes of the Aflac Incorporated 2023 Management Incentive Plan (the “2023 MIP”) are to reinforce corporate, organizational and business-development goals; to promote the achievement of year-to-year and long-range financial and other business objectives; to directly tie a portion of p

AFL / AFLAC Incorporated / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0179-aflacinc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 11)* Name of issuer: Aflac Inc. Title of Class of Securities: Common Stock CUSIP Number: 001055102 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to designate the rule pursu

EX-99.4

Financial Analysts Briefing Supplement Fourth Quarter 2022

FINAL 2/1/2023 Financial Analysts Briefing Supplement Fourth Quarter 2022 This document is a statistical supplement to the Financial Analysts Briefing book.

Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $185 Million, Reiterates Increase in First Quarter Cash Dividend of 5.0%

News Release Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $185 Million, Reiterates Increase in First Quarter Cash Dividend of 5.

Fourth Quarter 2022 Earnings Call Video Update Max K. Brodén February 1, 2023 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Fourth Quarter 2022 Earnings Call Video Update Max K. Brodén February 1, 2023 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 1, 2023 Aflac Incorporate

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 1, 2023 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

SECOND AMENDMENT TO THE AFLAC INCORPORATED EXECUTIVE DEFERRED COMPENSATION PLAN (As amended and restated effective January 1, 2020)

SECOND AMENDMENT TO THE AFLAC INCORPORATED EXECUTIVE DEFERRED COMPENSATION PLAN (As amended and restated effective January 1, 2020) THIS AMENDMENT to the Aflac Incorporated Executive Deferred Compensation Plan (the “Plan”) is effective as stated below.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac

FIRST AMENDMENT TO THE AFLAC INCORPORATED LONG-TERM INCENTIVE PLAN (As Amended and Restated February 14, 2017)

FIRST AMENDMENT TO THE AFLAC INCORPORATED LONG-TERM INCENTIVE PLAN (As Amended and Restated February 14, 2017) THIS FIRST AMENDMENT (this "Amendment") to the Aflac Incorporated Long-Term Incentive Plan (the "Plan") is adopted as of the 9th day of August, 2022.

Third Quarter 2022 Earnings Call Video Update Max K. Brodén October 31, 2022 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Third Quarter 2022 Earnings Call Video Update Max K. Brod?n October 31, 2022 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act of

Financial Analysts Briefing Supplement Third Quarter 2022

FINAL 10/31/2022 Financial Analysts Briefing Supplement Third Quarter 2022 This document is a statistical supplement to the Financial Analysts Briefing book.

EX-99.4

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 31, 2022 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Earnings of $1.6 Billion, Declares Fourth Quarter Cash Dividend

News Release Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Earnings of $1.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 25, 2022 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

Thirty-Fourth Supplemental Indenture, dated as of September 14, 2022, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.075% Senior Note due 2029).

Exhibit 4.1 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTY-FOURTH SUPPLEMENTAL INDENTURE Dated as of September 14, 2022 ?33,400,000,000 1.075% Senior Notes due 2029 TABLE OF CONTENTS ARTICLE I 1.075% SENIOR NOTES DUE 2029 ARTICLE I Page Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Sect

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) September 14, 2022 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction of incorporation) (Commission Fil

Thirty-Sixth Supplemental Indenture, dated as of September 14, 2022, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.594% Senior Note due 2037).

Exhibit 4.3 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTY-SIXTH SUPPLEMENTAL INDENTURE Dated as of September 14, 2022 ?6,500,000,000 1.594% Senior Notes due 2037 TABLE OF CONTENTS ARTICLE I 1.594% SENIOR NOTES DUE 2037 ARTICLE I Page Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Sectio

Thirty-Fifth Supplemental Indenture, dated as of September 14, 2022, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.320% Senior Note due 2032).

Exhibit 4.2 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTY-FIFTH SUPPLEMENTAL INDENTURE Dated as of September 14, 2022 ?21,100,000,000 1.320% Senior Notes due 2032 TABLE OF CONTENTS ARTICLE I 1.320% SENIOR NOTES DUE 2032 ARTICLE I Page Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Secti

Underwriting Agreement, dated September 2, 2022 between Aflac Incorporated and Mizuho Securities USA LLC, Morgan Stanley & Co. International plc and SMBC Nikko Securities America, Inc., as representatives of the several underwriters named in Schedule 1 thereto.

Exhibit 1.1 EXECUTION VERSION Aflac Incorporated ?33,400,000,000 1.075% Senior Notes due 2029 ?21,100,000,000 1.320% Senior Notes due 2032 ?6,500,000,000 1.594% Senior Notes due 2037 ?12,000,000,000 2.144% Senior Notes due 2052 Underwriting Agreement September 2, 2022 To the several Underwriters named in Schedule I hereto Ladies and Gentlemen: Aflac Incorporated, a Georgia corporation (the ?Compan

Thirty-Seventh Supplemental Indenture, dated as of September 14, 2022, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 2.144% Senior Note due 2052).

Exhibit 4.4 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTY-SEVENTH SUPPLEMENTAL INDENTURE Dated as of September 14, 2022 ?12,000,000,000 2.144% Senior Notes due 2052 TABLE OF CONTENTS ARTICLE I 2.144% SENIOR NOTES DUE 2052 ARTICLE I Page Section 1.01??? Establishment 1 Section 1.02???? Definitions 2 Section 1.03???? Payment of Principal and Int

Prospectus Supplement to Prospectus dated September 7, 2021. Aflac Incorporated ¥33,400,000,000 1.075% Senior Notes due 2029 ¥21,100,000,000 1.320% Senior Notes due 2032 ¥6,500,000,000 1.594% Senior Notes due 2037 ¥12,000,000,000 2.144% Senior Notes

TABLE OF CONTENTS ??Filed Pursuant to Rule 424(b)(2)? ?Registration No. 333-259379? Prospectus Supplement to Prospectus dated September 7, 2021. ?73,000,000,000 Aflac Incorporated ?33,400,000,000 1.075% Senior Notes due 2029 ?21,100,000,000 1.320% Senior Notes due 2032 ?6,500,000,000 1.594% Senior Notes due 2037 ?12,000,000,000 2.144% Senior Notes due 2052 This is an offering by Aflac Incorporated

Calculation of Filing Fee Table (Form Type) AFLAC INCORPORATED (Exact Name of Registrant as Specified in its Charter) (Translation of Registrant’s Name into English) Table 1: Newly Registered and Carry Forward Securities

EXHIBIT 107 - FILING FEES Calculation of Filing Fee Table 424B2 (Form Type) AFLAC INCORPORATED (Exact Name of Registrant as Specified in its Charter) (Translation of Registrant?s Name into English) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Newly Registered Securities Fees to Be Paid Debt 1.

Aflac incorporated ¥33,400,000,000 1.075% SENIOR NOTES DUE 2029 ¥21,100,000,000 1.320% SENIOR NOTES DUE 2032 ¥6,500,000,000 1.594% SENIOR NOTES DUE 2037 ¥12,000,000,000 2.144% SENIOR NOTES DUE 2052 final term sheet Dated September 2, 2022

ISSUER FREE WRITING PROSPECTUS (RELATING TO THE PRELIMINARY PROSPECTUS SUPPLEMENT DATED August 30, 2022 AND THE PROSPECTUS DATED september 7, 2021) REGISTRATION NO.

Subject to Completion. Dated August 30, 2022 Preliminary Prospectus Supplement to Prospectus dated September 7, 2021. Aflac Incorporated ¥    % Senior Notes due ¥    % Senior Notes due ¥    % Senior Notes due ¥    % Senior Notes due ¥    % Senior Not

TABLE OF CONTENTS The information in this preliminary prospectus supplement is not complete and may be changed.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inco

Second Quarter 2022 Earnings Call Video Update Max K. Brodén August 1, 2022 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

Second Quarter 2022 Earnings Call Video Update Max K. Brod?n August 1, 2022 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act of 1

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) August 1, 2022 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpor

Financial Analysts Briefing Supplement Second Quarter 2022

FINAL 8/1/2022 Financial Analysts Briefing Supplement Second Quarter 2022 This document is a statistical supplement to the Financial Analysts Briefing book.

EX-99.4

Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.4 Billion, Declares Third Quarter Cash Dividend

News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [ X ] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-07434 Aflac Incorporated 4

AFLAC INC - SC 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO ?240.13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO ? 240.13d-2 Under the Securities Exchange Act of 1934 (Amendment No. )* Varagon Capital Corp. (Name of Issuer) Common Stock (Title of Class of Securities) 92212L104 (CUSIP Number) June 2,

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 4, 2022 (May 2, 2022) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inc

Financial Analysts Briefing Supplement First Quarter 2022

FINAL 4/27/2022 Financial Analysts Briefing Supplement First Quarter 2022 This document is a statistical supplement to the Financial Analysts Briefing book.

First Quarter 2022 Earnings Call Video Update Max K. Brodén April 27, 2022 Investor and Rating Agency Relations Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999

First Quarter 2022 Earnings Call Video Update Max K. Brod?n April 27, 2022 For more information contact: Investor and Rating Agency Relations 800.235.2667 [email protected] Aflac Worldwide Headquarters 1932 Wynnton Road Columbus, GA 31999 Preliminary note: Forward-Looking Information and Non-U.S. GAAP Financial Measures Forward-Looking Information The Private Securities Litigation Reform Act of 19

Aflac Incorporated Announces First Quarter Results, Reports First Quarter Net Earnings of $1.0 Billion, Declares Second Quarter Cash Dividend

News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces First Quarter Results, Reports First Quarter Net Earnings of $1.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 27, 2022 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpor

EX-99.4

DEFINITIVE PROXY STATEMENT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEFA14A 1 afl3963471-defa14a.htm DEFINITIVE ADDITIONAL PROXY SOLICITING MATERIALS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ☑ Filed by the Registrant ☐ Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ☐ Preliminary Proxy Statement ☐ Confi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ? Filed by the Registrant ? Filed by a party other than the Registrant CHECK THE APPROPRIATE BOX: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Incorpor

AFLAC JAPAN EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT AFLAC INCORPORATED Columbus, Georgia 31999 (hereinafter called “the Company”)

AFLAC JAPAN EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT AFLAC INCORPORATED Columbus, Georgia 31999 (hereinafter called ?the Company?) #ParticipantName# This Employee Restricted Stock Award Agreement (the ?Agreement?) is made effective as of #GrantDate#, by and between the Company and #ParticipantName# (the ?Participant?), subject to the terms and conditions of this Agreement, the attached Notice of Grant of Restricted Stock (the ?Notice of Grant?), which forms a part hereof, and the Aflac Incorporated Long-Term Incentive Plan (as Amended and Restated February 14, 2017) (the ?Plan?).

EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT AFLAC INCORPORATED Columbus, Georgia 31999 (hereinafter called “the Company”)

EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT AFLAC INCORPORATED Columbus, Georgia 31999 (hereinafter called ?the Company?) #ParticipantName# This Employee Restricted Stock Award Agreement (the ?Agreement?) is made effective as of #GrantDate#, by and between the ?Company? and #ParticipantName# (the ?Participant?), subject to the terms and conditions of this Agreement, the attached Notice of Grant of Restricted Stock (the ?Notice of Grant?), which forms a part hereof, and the Aflac Incorporated Long-Term Incentive Plan (as Amended and Restated February 14, 2017) (the ?Plan?).

Aflac Incorporated

Aflac Incorporated 2021 Form 10-K EXHIBIT 21 Aflac Incorporated SUBSIDIARIES The following list sets forth the subsidiaries of Aflac Incorporated: Company Jurisdiction American Family Life Assurance Company of Columbus (Aflac) Nebraska American Family Life Assurance Company of New York(1) New York Aflac Asset Management LLC Delaware Aflac Asset Management Japan Ltd.

EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT AFLAC INCORPORATED Columbus, Georgia 31999 (hereinafter called “the Company”)

EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT AFLAC INCORPORATED Columbus, Georgia 31999 (hereinafter called ?the Company?) #ParticipantName# This Employee Restricted Stock Award Agreement (the ?Agreement?) is made effective as of #GrantDate#, by and between the ?Company? and #ParticipantName# (the ?Participant?), subject to the terms and conditions of this Agreement, the attached Notice of Grant of Restricted Stock (the ?Notice of Grant?), which forms a part hereof, and the Aflac Incorporated Long-Term Incentive Plan (as Amended and Restated February 14, 2017) (the ?Plan?).

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 11, 2022 (February 10, 2022) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (I

Amended and Restated Bylaws of Aflac Incorporated, as amended. Incorporated herein by reference to Exhibit 3.1 of Aflac Incorporated’s Current Report on Form 8-K, dated February 11, 2022.

Amended and Restated Bylaws of Aflac Incorporated (As of February 10, 2022) ARTICLE I OFFICES Section 1.

AFLAC JAPAN EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT AFLAC INCORPORATED Columbus, Georgia 31999 (hereinafter called “the Company”)

EX-10.2 4 exhibit102-japanpbrsagreem.htm EX-10.2 AFLAC JAPAN EMPLOYEE RESTRICTED STOCK AWARD AGREEMENT AFLAC INCORPORATED Columbus, Georgia 31999 (hereinafter called “the Company”) #ParticipantName# This Employee Restricted Stock Award Agreement (the “Agreement”) is made effective as of #GrantDate#, by and between the Company and #ParticipantName# (the “Participant”), subject to the terms and cond

AFL / AFLAC Incorporated / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 10)* Name of issuer: Aflac Inc. Title of Class of Securities: Common Stock CUSIP Number: 001055102 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ??Rule 13

Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $1.0 Billion, Reiterates Increase in First Quarter Cash Dividend of 21.2%

News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $1.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 2, 2022 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac

Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Earnings of $888 Million, Declares Fourth Quarter Cash Dividend

News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Earnings of $888 Million, Declares Fourth Quarter Cash Dividend COLUMBUS, Ga.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 27, 2021 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

Form T-1 Statement of Eligibility under the Trust Indenture Act of The Bank of New York Mellon Trust Company, N.A. under the Senior Debt Indenture dated as of May 21, 2009.

Exhibit 25.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) ? THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. (Exact name of trustee as specified in its charter) 95-

As filed with the Securities and Exchange Commission on September 7, 2021

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on September 7, 2021 Registration No.

Form T-1 Statement of Eligibility under the Trust Indenture Act of The Bank of New York Mellon Trust Company, N.A. under the Subordinated Debt Indenture dated as of September 26, 2012.

Exhibit 25.2 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b)(2) ? THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A. (Exact name of trustee as specified in its charter) (Ju

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A Amendment No. 1 CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 28, 2021 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Emp

Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.1 Billion, Declares Third Quarter Cash Dividend

News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inco

Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.1 Billion, Declares Third Quarter Cash Dividend

News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $1.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 28, 2021 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpora

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [ X ] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-07434 Aflac Incorporated 4

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 6, 2021 (May 3, 2021) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer

AMENDED AND RESTATED 1999 AFLAC ASSOCIATE STOCK BONUS PLAN EFFECTIVE AS OF JULY 1, 1999 AMENDED AND RESTATED AS OF FEBRUARY 1, 2021

AMENDED AND RESTATED 1999 AFLAC ASSOCIATE STOCK BONUS PLAN EFFECTIVE AS OF JULY 1, 1999 AMENDED AND RESTATED AS OF FEBRUARY 1, 2021 1 AMENDED AND RESTATED 1999 AFLAC ASSOCIATE STOCK BONUS PLAN The Amended and Restated 1999 AFLAC Associate Stock Bonus Plan was made effective as of July 1, 1999 and amended as of February 11, 2003, August 20, 2007, and January 1, 2013 and is amended and restated as follows: ARTICLE I DEFINITIONS As used herein, the following words and phrases shall have the meaning indicated unless otherwise defined or required by the context: 1.

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inc

AMENDMENT TO EMPLOYMENT AGREEMENT

STATE OF GEORGIA COUNTY OF MUSCOGEE: AMENDMENT TO EMPLOYMENT AGREEMENT THIS AMENDMENT TO EMPLOYMENT AGREEMENT (?Amendment?) is made and entered into as of the 29th day of April, 2021, by and between Aflac Incorporated, a Georgia corporation, hereinafter referred to as ?Corporation? or ?Aflac? and Frederick J.

EMPLOYMENT AGREEMENT

STATE OF GEORGIA COUNTY OF MUSCOGEE: EMPLOYMENT AGREEMENT THIS AGREEMENT, made and entered into as of the 29th day of April, 2021, by and between Aflac Incorporated, a Georgia corporation, hereinafter referred to as ?Corporation,? or ?Aflac? and Max K.

Aflac Incorporated Announces First Quarter Results, Reports First Quarter Net Earnings of $1.3 Billion, Declares Second Quarter Cash Dividend

EX-99.1 2 aflex991-q12021.htm EX-99.1 News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces First Quarter Results, Reports First Quarter Net Earnings of $1.3 Billion, Declares Second Quarter Cash Dividend COLUMBUS, Ga. - April 28, 2021 - Aflac Incorporated (NYSE: AFL) today reported its first quarter results. Total revenues were $5.9 billion in the first quarter of 2021, compared with $5

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 28, 2021 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpor

Thirty-Second Supplemental Indenture, dated as of April 15, 2021, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.264% Senior Note due 2041).

Exhibit 4.4 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTY-SECOND SUPPLEMENTAL INDENTURE Dated as of April 15, 2021 ?10,000,000,000 1.264% Senior Notes due 2041 TABLE OF CONTENTS Page ARTICLE I 1.264% SENIOR NOTES DUE 2041 Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Section 1.04 Denom

Thirty-Third Supplemental Indenture, dated as of April 15, 2021, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.560% Senior Note due 2051).

Exhibit 4.5 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTY-THIRD SUPPLEMENTAL INDENTURE Dated as of April 15, 2021 ?20,000,000,000 1.560% Senior Notes due 2051 TABLE OF CONTENTS Page ARTICLE I 1.560% SENIOR NOTES DUE 2051 Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Section 1.04 Denomi

Thirtieth Supplemental Indenture, dated as of April 15, 2021, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 0.844% Senior Note due 2033).

Exhibit 4.2 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTIETH SUPPLEMENTAL INDENTURE Dated as of April 15, 2021 ?12,000,000,000 0.844% Senior Notes due 2033 TABLE OF CONTENTS Page ARTICLE I 0.844% SENIOR NOTES DUE 2033 Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Section 1.04 Denominat

Underwriting Agreement, dated April 9, 2021 between Aflac Incorporated and Goldman Sachs International, Mizuho Securities USA LLC, Morgan Stanley & Co. International plc and SMBC Nikko Securities America, Inc., as representatives of the several underwriters named in Schedule 1 thereto.

Exhibit 1.1 EXECUTION VERSION Aflac Incorporated ?30,000,000,000 0.633% Senior Notes due 2031 ?12,000,000,000 0.844% Senior Notes due 2033 ?10,000,000,000 1.039% Senior Notes due 2036 ?10,000,000,000 1.264% Senior Notes due 2041 ?20,000,000,000 1.560% Senior Notes due 2051 Underwriting Agreement April 9, 2021 To the several Underwriters named in Schedule I hereto Ladies and Gentlemen: Aflac Incorp

Thirty-First Supplemental Indenture, dated as of April 15, 2021, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.039% Senior Note due 2036).

Exhibit 4.3 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE THIRTY-FIRST SUPPLEMENTAL INDENTURE Dated as of April 15, 2021 ?10,000,000,000 1.039% Senior Notes due 2036 TABLE OF CONTENTS Page ARTICLE I 1.039% SENIOR NOTES DUE 2036 Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Section 1.04 Denomi

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 15, 2021 (April 9, 2021) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction of incorporation) (Co

Twenty-Ninth Supplemental Indenture, dated as of April 15, 2021, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 0.633% Senior Note due 2031).

Exhibit 4.1 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE TWENTY-NINTH SUPPLEMENTAL INDENTURE Dated as of April 15, 2021 ?30,000,000,000 0.633% Senior Notes due 2031 TABLE OF CONTENTS Page ARTICLE I 0.633% SENIOR NOTES DUE 2031 Section 1.01 Establishment 1 Section 1.02 Definitions 2 Section 1.03 Payment of Principal and Interest 3 Section 1.04 Denomi

CALCULATION OF REGISTRATION FEE

TABLE OF CONTENTS CALCULATION OF REGISTRATION FEE ? ? Title of Each Class of Securities Offered ? ? ? Maximum Aggregate Offering Price(1) ? ? ? Amount of Registration Fee(2) ? 0.

Aflac incorporated ¥30,000,000,000 0.633% SENIOR NOTES DUE 2031 ¥12,000,000,000 0.844% SENIOR NOTES DUE 2033 ¥10,000,000,000 1.039% SENIOR NOTES DUE 2036 ¥10,000,000,000 1.264% SENIOR NOTES DUE 2041 ¥20,000,000,000 1.560% SENIOR NOTES DUE 2051 final

ISSUER FREE WRITING PROSPECTUS (RELATING TO THE PRELIMINARY PROSPECTUS SUPPLEMENT DATED APRIL 6, 2021 AND THE PROSPECTUS DATED september 7, 2018) REGISTRATION NO.

Subject to Completion. Dated April 6, 2021 Preliminary Prospectus Supplement to Prospectus dated September 7, 2018. Aflac Incorporated ¥    % Senior Notes due      ¥    % Senior Notes due      ¥    % Senior Notes due      ¥    % Senior Notes due     

TABLE OF CONTENTS The information in this preliminary prospectus supplement is not complete and may be changed.

DEFINITIVE PROXY STATEMENT

Notice of 2021 Annual Meeting of Shareholders and Proxy Statement Monday, May 3, 2021 at 10 a.

- DEFINITIVE ADDITIONAL PROXY SOLICITING MATERIALS

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ? Filed by the Registrant ? Filed by a Party other than the Registrant CHECK THE APPROPRIATE BOX: ? Preliminary Proxy Statement ? Confidential, For Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defin

the information specifically incorporated by reference into our Annual Report on Form 10-K from our Definitive Proxy Statement on Schedule 14A, filed with the SEC on March 18, 2021

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) ? Filed by the Registrant ? Filed by a Party other than the Registrant CHECK THE APPROPRIATE BOX: ? Preliminary Proxy Statement ? Confidential, For Use of the Commission Only (as permitted by Rule 14

Twenty-Eighth Supplemental Indenture, dated as of March 8, 2021, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.125% Senior Note due 2026).

Exhibit 4.1 AFLAC INCORPORATED, AS ISSUER AND THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., AS TRUSTEE TWENTY-EIGHTH SUPPLEMENTAL INDENTURE Dated as of March 8, 2021 $400,000,000 1.125% Senior Sustainability Notes due 2026 TABLE OF CONTENTS Page ARTICLE I 1.125% SENIOR SUSTAINABILITY NOTES DUE 2026 Section 1.01. Establishment 1 Section 1.02. Definitions 2 Section 1.03. Payment of Principal and

Underwriting Agreement, dated March 3, 2021 between Aflac Incorporated and Goldman Sachs & Co. LLC, Mizuho Securities USA LLC, Academy Securities, Inc., Drexel Hamilton, LLC, and Wells Fargo Securities, LLC, as representatives of the several underwriters named in Schedule 1 thereto.

Exhibit 1.1 EXECUTION VERSION Aflac Incorporated 1.125% Senior Notes due 2026 Underwriting Agreement March 3, 2021 Goldman Sachs & Co. LLC, Mizuho Securities USA LLC, Academy Securities, Inc., Drexel Hamilton, LLC, Wells Fargo Securities, LLC, As Representatives of the several Underwriters named in Schedule I hereto, c/o Goldman Sachs & Co. LLC, 200 West Street, New York, New York 10282. c/o Mizuh

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) March 8, 2021 (March 3, 2021) Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction of incorporation) (Com

Title of Each Class of Securities to be Registered

Filed Pursuant to Rule 424(b)(2) Registration No. 333-227244 Title of Each Class of Securities to be Registered Amount to be Registered Proposed Maximum Offering Price Per Unit Proposed Maximum Aggregate Offering Price Amount of Registration Fee (1) 1.125% Senior Sustainability Notes due 2026 $400,000,000 99.903% $399,612,000 $43,597.67 (1) Calculated in accordance with Rule 457(r) of the Securiti

AFLAC INCORPORATED $400,000,000 1.125% SENIOR SUSTAINABILITY NOTES DUE 2026 FINAL TERM SHEET Dated March 3, 2021 Issuer: Aflac Incorporated Securities: 1.125% Senior Sustainability Notes due 2026 Ratings (Moody’s / S&P)*: A3 (stable) / A- (stable) Se

ISSUER FREE WRITING PROSPECTUS (RELATING TO THE PRELIMINARY PROSPECTUS SUPPLEMENT DATED MARCH 1, 2021 AND THE PROSPECTUS DATED SEPTEMBER 7, 2018) FILED PURSUANT TO RULE 433 REGISTRATION NO.

Subject to Completion. Dated March 1, 2021 Preliminary Prospectus Supplement to Prospectus dated September 7, 2018. Aflac Incorporated % Senior Sustainability Notes due 20

Filed Pursuant to Rule 424(b)(5) Registration No. 333-227244 The information in this preliminary prospectus supplement is not complete and may be changed. This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell nor do they seek an offer to buy these securities in any jurisdiction where the offer or sale is not permitted. Subject to Completion. Dated March 1,

Aflac Incorporated

Aflac Incorporated 2020 Form 10-K EXHIBIT 21 Aflac Incorporated SUBSIDIARIES The following list sets forth the subsidiaries of Aflac Incorporated: Company Jurisdiction American Family Life Assurance Company of Columbus (Aflac) Nebraska American Family Life Assurance Company of New York(1) New York Aflac Asset Management LLC Delaware Aflac Asset Management Japan Ltd.

Annual Report - 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Incorpor

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 9)*

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 9)* Name of issuer: Aflac Inc. Title of Class of Securities: Common Stock CUSIP Number: 001055102 Date of Event Which Requires Filing of this Statement: December 31, 2020 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ☒ Rule 13d

Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $951 Million, Reiterates Increase in First Quarter Cash Dividend of 17.9%

News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces Fourth Quarter Results, Reports Fourth Quarter Net Earnings of $951 Million, Reiterates Increase in First Quarter Cash Dividend of 17.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) February 3, 2021 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

UNITED STATES

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.

JOINT FILING AGREEMENT

Exhibit 99.1 JOINT FILING AGREEMENT Pursuant to Rule 13d-1(k)(1) promulgated under the Securities Exchange Act of 1934, as amended, the undersigned agree that the Statement on Schedule 13G to which this Exhibit is attached is filed on behalf of each of them. Each of them is individually eligible to use the Schedule 13G to which this Exhibit is attached. Each of them is responsible for the timely f

TRUP / Trupanion, Inc. / AFLAC INC - SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO § 240.

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) November 18, 2020 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incor

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 27, 2020 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorp

Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Earnings of $2.5 Billion, Results Reflect a Benefit from New Tax Regulations, Declares Fourth Quarter Cash Dividend

News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces Third Quarter Results, Reports Third Quarter Net Earnings of $2.

- S-8

As filed with the Securities and Exchange Commission on August 13, 2020 Registration No.

- S-3ASR

As filed with the Securities and Exchange Commission on August 7, 2020 Registration No.

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-07434 Aflac Inco

FIRST AMENDMENT TO THE AFLAC INCORPORATED EXECUTIVE DEFERRED COMPENSATION PLAN (As amended and restated effective January 1, 2020)

FIRST AMENDMENT TO THE AFLAC INCORPORATED EXECUTIVE DEFERRED COMPENSATION PLAN (As amended and restated effective January 1, 2020) THIS AMENDMENT to the Aflac Incorporated Executive Deferred Compensation Plan (the “Plan”) is effective as stated below.

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 29, 2020 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpora

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) July 28, 2020 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpora

Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $805 Million, Declares Third Quarter Cash Dividend

News Release FOR IMMEDIATE RELEASE Aflac Incorporated Announces Second Quarter Results, Reports Second Quarter Net Earnings of $805 Million, Declares Third Quarter Cash Dividend COLUMBUS, Ga.

Aflac Incorporated 2019 Form 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K (Mark One) [ X ] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 Or [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 001-07434 Aflac Incorporated 4

Executive Officers and Directors of Aflac Incorporated

TO: Executive Officers and Directors of Aflac Incorporated DATE: June 15, 2020 RE: Important Notice Regarding 401(k) Plan Blackout Period and Restrictions on Trading Aflac Equity Securities This notice is to inform you of restrictions on your ability to trade equity securities of Aflac Incorporated (the “Company”) during an upcoming “blackout period” that will apply to the Aflac Incorporated 401(k) Savings and Profit Sharing Plan (the “401(k) Plan”).

Temporary Suspension of Trading Under Registrant's Employee Benefit Plans, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) June 15, 2020 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorpora

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 7, 2020 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorporati

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 4, 2020 Aflac Incorporated (Exact name of registrant as specified in its charter) Georgia 001-07434 58-1167100 (State or other jurisdiction (Commission (IRS Employer of incorporati

- FORM S-3ASR

Form S-3ASR Table of Contents As filed with the Securities and Exchange Commission on May 1, 2020 Registration No.