美国家庭寿险 2025年度报告

FORM 11-K (Mark One)[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December31, 2025Or[] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period fromto Commission file number:001-07434 Aflac Incorporated 401(k) Savingsand Profit Sharing Plan (Full title of the plan) (Name of issuer of the securities held pursuant to the plan) 1932 Wynnton RoadColumbus, Georgia 31999 (Address of the plan and address of issuer’s principal executive offices) Aflac Incorporated 401(k) Savings and Profit Sharing Plan Table of Contents Page Report of Independent Registered Public Accounting Firm1Statements of Net Assets Available for Plan Benefits2Statement of Changes in Net Assets Available for Plan Benefits3Notes to Financial Statements4Schedule 1 - Form 5500, Schedule H, Line 4i - Schedule of Assets (Held at End of Year)10Exhibit Index12 Report of Independent Registered Public Accounting Firm To the Plan Administrator and Plan Participants of Aflac Incorporated 401(k) Savings and Profit Sharing Plan Opinion on the Financial Statements We have audited the accompanying statements of net assets available for plan benefits of the Aflac Incorporated 401(k)Savings and Profit Sharing Plan (the Plan) as of December31, 2025 and 2024, and the related statement of changes innet assets available for plan benefits for the year ended December31, 2025, and the related notes and schedule(collectively referred to as the "financial statements"). In our opinion, the financial statements present fairly, in all materialrespects, the net assets available for plan benefits of the Plan as of December31, 2025 and 2024, and the changes in netassets available for plan benefits for the year ended December31, 2025, in conformity with accounting principlesgenerally accepted in the United States of America. Basis for Opinion These financial statements are the responsibility of the Plan's management. Our responsibility is to express an opinion onthe Plan's financial statements based on our audits. We are a public accounting firm registered with the Public CompanyAccounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Plan inaccordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and ExchangeCommission and the PCAOB. We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan andperformthe audit to obtain reasonable assurance about whether the financial statements are free of materialmisstatement, whether due to error or fraud. The Plan is not required to have, nor were we engaged to perform, an auditof its internal control over financial reporting. As part of our audit, we are required to obtain an understanding of internalcontrol over financial reporting, but not for the purpose of expressing an opinion on the effectiveness of the Plan’s internalcontrol over financial reporting. Accordingly, we express no such opinion. Our audits included performing procedures to assess the risks of material misstatement of the financial statements,whether due to error or fraud, and performing procedures that respond to those risks. Such procedures includedexamining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits alsoincluded evaluating the accounting principles used and significant estimates made by management, as well as evaluatingthe overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion. Supplemental Information The supplemental information contained in the schedule of assets (held at end of year) as of December31, 2025 hasbeen subjected to audit procedures performed in conjunction with the audit of the Plan's financial statements. Thesupplemental information is the responsibility of the Plan's management. Our audit procedures included determiningwhether the supplemental information reconciles to the financial statements or the underlying accounting and otherrecords, as applicable, and performing procedures to test the completeness and accuracy of the information presented inthesupplemental information.In forming our opinion on the supplemental information,we evaluated whether thesupplemental information, including its form and content, is presented in conformity with the Department of Labor's Rulesand Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In ouropinion, the supplemental information is fairly stated, in all material respects, in relation to the financial statements as awhole. /s/ Warren Averett, LLC We have served as the Plan's auditor since 2022. Atlanta, GeorgiaJune 23, 2026 Aflac Incorporated 401(k) Savings and Profit Sharing Plan Statements of Net Assets Available for Plan Benefits December 31, Aflac