1 unchanged sentence
Insider Trading Arrangements
−Removed: During the first quarter of 2026, no directors or executive officers adopted or terminated a contract, instruction or written plan for the purchase or sale of the Parent Company's securities intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) or a non-Rule 10b5-1 trading arrangement as defined in Regulation S-K Item 408(c).
+Added: During the second quarter of 2026, no directors or executive officers adopted or terminated a contract, instruction or written plan for the purchase or sale of the Parent Company's securities intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) or a non-Rule 10b5-1 trading arrangement as defined in Regulation S-K Item 408(c).
(a) EXHIBIT INDEX
1 unchanged sentence
- Bylaws of Aflac Incorporated, as amended and restated – incorporated by reference from Form 8-K dated November 17, 2023, Exhibit 3.1.
−Removed: Form of Employee Restricted Stock Award Agreement (RSA) under the Aflac Incorporated Long-Term Incentive Plan, as amended and restated February 14, 2017.
−Removed: Form of Employee Restricted Stock Award Agreement (RSU) under the Aflac Incorporated Long-Term Incentive Plan, as amended and restated February 14, 2017.
−Removed: - Japan Form of Employee Restricted Stock Award Agreement under the Aflac Incorporated Long-Term Incentive Plan, as amended and restated February 14, 2017.
−Removed: - Certification of CEO dated May 6, 2026, required by Rule 13a-14(a) or Rule 15d-14(a) of the Securities Exchange Act of 1934.
−Removed: - Certification of CFO dated May 6, 2026, required by Rule 13a-14(a) or Rule 15d-14(a) of the Securities Exchange Act of 1934.
−Removed: - Certification of CEO and CFO dated May 6, 2026, pursuant to 18 U.S.C.
+Added: - Forty-Seventh Supplemental Indenture, dated as of May 14, 2026, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 5.150% Senior Note due 2036) – incorporated by reference from Form 8-K dated May 14, 2026, Exhibit 4.1.
+Added: - Forty-Eighth Supplemental Indenture, dated as of May 28, 2026, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 2.117% Senior Note due 2029) – incorporated by reference from Form 8-K dated May 28, 2026, Exhibit 4.1.
+Added: - Forty-Ninth Supplemental Indenture, dated as of May 28, 2026, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 2.802% Senior Note due 2031) – incorporated by reference from Form 8-K dated May 28, 2026, Exhibit 4.2.
+Added: - Fiftieth Supplemental Indenture, dated as of May 28, 2026, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 3.123% Senior Note due 2033) – incorporated by reference from Form 8-K dated May 28, 2026, Exhibit 4.3.
+Added: - Fifty-First Supplemental Indenture, dated as of May 28, 2026, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 3.482% Senior Note due 2036) – incorporated by reference from Form 8-K dated May 28, 2026, Exhibit 4.4.
+Added: - Certification of CEO dated August 7, 2026, required by Rule 13a-14(a) or Rule 15d-14(a) of the Securities Exchange Act of 1934.
+Added: - Certification of CFO dated August 7, 2026, required by Rule 13a-14(a) or Rule 15d-14(a) of the Securities Exchange Act of 1934.
+Added: - Certification of CEO and CFO dated August 7, 2026, pursuant to 18 U.S.C.
Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
71 unchanged sentences
GAAP and are intended to emphasize policyholder protection and company solvency.
−Removed: Weighted-average foreign exchange rate is Japan segment operating earnings for the period (excluding hedge costs) in yen divided by Japan segment operating earnings for the period (excluding hedge costs) in U.S.
+Added: Weighted-average foreign exchange rate is Japan segment adjusted earnings for the period (excluding hedge costs) in yen divided by Japan segment adjusted earnings for the period (excluding hedge costs) in U.S.
Management uses this metric to evaluate and determine consolidated results on foreign currency effective basis.
1 unchanged sentence
Aflac Incorporated
−Removed: May 6, 2026 /s/ Max K.
+Added: August 7, 2026 /s/ Max K.
Senior Executive Vice President;
Chief Financial Officer
−Removed: May 6, 2026 /s/ Robin L.
+Added: August 7, 2026 /s/ Robin L.
Senior Vice President, Financial Services;
1 unchanged sentence
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.