美国家庭人寿保险 2025年度报告

(Mark One) ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December 31, 2025or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number: 001-07434 Aflac Incorporated 58-1167100 (I.R.S. Employer Identification No.) Registrant’s telephone number, including area code: 706.323.3431 Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registeredCommon Stock, $.10 Par ValueAFLNew York Stock Exchange Securities registered pursuant to Section 12(g) of the Act:None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.þYes¨No Indicateby check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d)of theAct.¨YesþNo Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports),and (2) has been subject to such filing requirements for the past 90 days.þYes¨No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuantto Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrantwas required to submit such files).þYes¨No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany,” and "emerging growth company" in Rule 12b-2 of the Exchange Act. Large accelerated filer☑Non-accelerated filer☐ Accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectivenessof its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registeredpublic accounting firm that prepared or issued its audit report.☑ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrantincluded in the filing reflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-basedcompensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).☐Yes☑No Theaggregate market value of the voting common stock held by non-affiliates of the registrant as of June 30,2025,was$56,035,389,963. Documents Incorporated By ReferenceCertain information contained in the Notice and Proxy Statement for the Company’s 2026 Annual Meeting of Shareholders isincorporated by reference into Part III hereof. PART I FORWARD-LOOKING INFORMATION The Private Securities Litigation Reform Act of 1995 provides a safe harbor to encourage companies to provideprospective information, so long as those informational statements are identified as forward-looking and are accompaniedby meaningful cautionary statements identifying important factors that could cause actual results to differ materially fromthose included in the forward-looking statements. Aflac Incorporated and its subsidiaries (the Company) desire to takeadvantage of these provisions. This report contains cautionary statements identifying important factors that could causeactual results to differ materially from those projected herein, and in any other statements made by Company officials incommunications with the financial community and contained in documents filed with or furnished to the Securities andExchange Commission (SEC). Forward-looking statements are not based on historical information and relate to futureoperations, strategies, financial results or other developments. Furthermore, forward-looking information is subject tonumerous assumptions, risks and uncertainties. In particular, statements containing words such as the ones listed belowor similar words, as well as specific projections of future results, generally qualify as forward-looking. The Companyundertakes no obligation to update