Headquartered in Columbus, GA Fiscal year ends December NYSE: AFL aflac.com
Aflac Incorporated is an insurance holding company that sells supplemental health and life insurance through subsidiaries in the United States and Japan. It reports three segments: Aflac Japan, Aflac U.S., and Corporate and Other.
Aflac Japan operates through Aflac Life Insurance Japan, which the company describes as the top provider of cancer and medical insurance in Japan by policies in force. Its products include Miraito cancer insurance, Anshin Palette medical insurance and Tsumitasu savings-type life insurance.
Aflac U.S. sells supplemental health products and related benefits to employers and their employees, including network dental and group life and disability coverage. The company cites LIMRA data ranking it the No. 1 U.S. provider of supplemental health insurance.
Corporate and Other consolidates Aflac Re Bermuda, the internal reinsurer to which Aflac Japan has ceded blocks of business, including roughly ¥500 billion of FSA-basis cancer insurance reserves in Q3 2026.
Earnings depend heavily on a large investment portfolio, with both yen- and U.S. dollar-denominated assets. Reported results are sensitive to the yen/dollar exchange rate. The company returns capital through share repurchases and dividends. Updated
We remain focused on more profitable growth and the tactical, opportunistic deployment of capital. We treasure our 2026 milestone of 44 consecutive years of dividend increases.
Amos is putting the dividend record front and center on the third quarter call, a signal that buybacks and payout growth stay the priority over chasing volume at the $62.9 billion insurer. Income holders get the clearest tell yet on how Aflac plans to deploy capital into 2026.
In Japan, we have continued to address our customers' needs at different life stages through products including Anshin Palette (medical insurance), Miraito (cancer insurance) and Tsumitasu (savings-type life insurance). In addition, the Aflac Japan results reflect the impact of our reinsurance strategy on the income statement included within Corporate and Other results, where Aflac Re Bermuda is consolidated.
Amos is telling investors that Japan earnings no longer read straight off the Japan segment: the reinsurance strategy routes results through Corporate and Other, where Aflac Re Bermuda sits. Anyone modeling the $62.9 billion insurer's biggest profit engine on the third quarter report needs to track both lines, with the product refresh in medical, cancer and savings-type life carrying growth.
In the U.S., our focus remains on meeting the evolving needs of employers and their employees with supplemental health products and related benefits.
Amos is keeping Aflac's US engine pointed at the workplace channel just as employers face another year of rising healthcare costs, which is exactly what drives demand for supplemental coverage. For a $62.9 billion insurer, US sales momentum is the swing factor on the third quarter earnings report.
Aflac delivered solid adjusted earnings for the quarter and for the first nine months. These results demonstrate our drive to execute our strategy and create long-term value for our shareholders.
Amos is leaning on adjusted earnings rather than growth to frame the third quarter, a tell for a $62.9 billion insurer whose story increasingly rests on capital returns and Japan execution. Watch the segment detail for where that "solid" actually came from.
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Aflac Incorporated is an insurance holding company that sells supplemental health and life insurance through subsidiaries in the United States and Japan. It reports three segments: Aflac Japan, Aflac U.S., and Corporate and Other.
24/7 Wall St.'s 12-month price target for AFL is $116.41, rated Hold. The Wall Street consensus target is $117.33. AFL price prediction →
