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XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT

XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT

XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT

Form 8-K - Current report - Item 7.01 Item 9.01

Aflac Inc.

Announcement: AFL 8-K Special Filing

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XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT

Form 10-K - Annual report [Section 13 and 15(d), not S-K Item 405]

 Despite Japan's aging population and the rise in healthcare costs, supplemental health care insurance products remain attractive. However, due to the aging population and decline in birthrate, new opportunities for customer demographics are not as readily available.

Regulatory Environment Regulatory Environment

Aflac Japan Segment Aflac Japan Segment

s regulations, which are intended to protect policyholders, are subject to change. The Company is also subject to solvency regulations in the U. S. and Japan. The Company's solvency requirements in Japan are determined by the Financial Services Agency (FSA) . In Japan, the Company must maintain a minimum statutory solvency surplus ratio, as prescribed by the FSA. Japan's regulations, which are intended to protect policyholders, are subject to change. The Company is also subject to solvency regulations in the U.S. and Japan. The Company's solvency requirements in Japan are determined by the Financial Services Agency (FSA). In Japan, the Company must maintain a minimum statutory solvency surplus ratio, as prescribed by the FSA.

Title##: AFLAC INC: Financial Review for Investors

Announcement: AFL 10-K Annual Report

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Form SC 13G/A - Statement of acquisition of beneficial ownership by individuals: [Amend]

Announcement: AFL SC 13G/A Statement of acquisition of beneficial ownership by individuals - amendment

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Form 8-K - Current report - Item 2.02 Item 9.01

Analyst Summary:
Aflac reported its Q4 2022 financial results, with net earnings of $185 million. The company's net earnings declined largely due to significant foreign exchange-related net investment losses recognized in the current quarter. Despite weaker earnings YoY, the company saw a rise in quarterly total new annualized premium sales of 11.6%, mainly reflecting the new cancer product launch and first sector product updates in Japan. For the U.S segment, net earned premiums declined due to lower persistency, while sales increased 17% YoY. The CEO, Daniel P. Amos, stated that Aflac delivered another quarter of solid earnings results, albeit with a material weakening in the yen. Aflac also reiterated the increase in its first-quarter cash dividend of $0.57 per share. However, the impact of the currency exchange rate on the financial statements is significant, which could distort the figures. The company remains committed to monitoring evolving economic conditions and prudent liquidity and capital management.

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