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| Name | Position | External Roles | Short Bio | |
|---|---|---|---|---|
Daniel P. Amos ExecutiveBoard | Chairman and CEO | N/A | Daniel P. Amos has been with Aflac since 1983 and is currently the Chairman and CEO. He has provided strategic leadership and contributed to the company's growth and success. | View Report → |
Albert A. Riggieri Executive | Senior Vice President, Global Chief Risk Officer | N/A | Albert A. Riggieri has been with Aflac since 2018, overseeing risk management and compliance. | |
Audrey B. Tillman Executive | Executive Vice President and General Counsel | N/A | Audrey Boone Tillman joined Aflac in 1996 and oversees compliance, government relations, and sustainability efforts. | |
Bradley E. Dyslin Executive | Executive Vice President, Global CIO | N/A | Bradley E. Dyslin is the Global CIO and President of Aflac Asset Management LLC, with a focus on delivering strong investment results. | |
Charles D. Lake II Executive | President of Aflac International, Chairman of Aflac Japan | N/A | Charles D. Lake II has been with Aflac since 2008, leading operations in Japan and serving as President of Aflac International. | |
Frederic J. Simard Executive | Senior Vice President and CFO of Aflac U.S. | N/A | Frederic J. Simard became CFO of Aflac U.S. in 2023, with previous roles at General Electric and The Guardian Life Insurance Company. | |
Masatoshi Koide Executive | President and Representative Director of Aflac Japan | N/A | Masatoshi Koide has been leading Aflac Japan since 2018, focusing on organizational changes and product development. | |
Max K. Brodén Executive | Executive Vice President and CFO | N/A | Max K. Brodén joined Aflac in 2017 and became CFO in 2020. He oversees corporate finance, capital management, and financial planning. | |
Robin L. Blackmon Executive | Senior Vice President, Financial Services, and CAO | N/A | Robin L. Blackmon joined Aflac in 2011 and became Senior Vice President and Chief Accounting Officer in 2024, overseeing financial reporting and investment accounting. | |
Steven K. Beaver Executive | Executive Vice President and CFO of Aflac Japan | N/A | Steven K. Beaver has been with Aflac since before 2018, serving in various financial roles, and is currently the CFO of Aflac Japan. | |
Virgil R. Miller Executive | President of Aflac Incorporated and Aflac U.S. | Board Member at America's Health Insurance Plans, LL Global, American Council of Life Insurers | Virgil R. Miller joined Aflac in 2004 and became President of Aflac Incorporated in 2025, focusing on growth and digital capabilities. | |
Georgette D. Kiser Board | Director | Operating Executive at The Carlyle Group, Board Member at Jacobs Engineering, Adtalem Global Education, NCR Voyix Corporation, Brown Advisory Board mutual fund | Georgette D. Kiser has been a director at Aflac since 2019, with experience in delivering technical solutions and cybersecurity for financial services firms. | |
Thomas J. Kenny Board | Director | Co-Chair of Nuveen Funds, ParentSquare Board Member | Thomas J. Kenny is a Director at Aflac since 2015 and Chair of the Finance and Investment Committee. He has extensive experience in asset and investment management. | |
W. Paul Bowers Board | Lead Non-Management Director | Director at Exelon Corporation, Brand Industrial Holding, Inc., Nuclear Electric Insurance Ltd. | W. Paul Bowers has been a director at Aflac since 2013 and serves as the Lead Non-Management Director. He brings expertise in financial knowledge and cybersecurity risk management. |
- With competitors aggressively entering the third sector market in Japan and offering lower-priced products, how does Aflac plan to maintain its market share and profitability without engaging in a price war?
- The TSUMITAS product targets younger customers with less disposable income; how are you addressing the potential challenges of lower profitability and higher lapse rates associated with this demographic?
- Given that your expense ratios in both Japan and the U.S. reached record lows this quarter, but with anticipated increases in promotional spending and unscaled businesses, how sustainable are these expense levels moving forward?
- Considering the increase in your commercial real estate loan watch list to approximately $1 billion and ongoing foreclosures, what is your strategy to mitigate potential risks, and how might further real estate market deterioration impact your financial position?
- The significant boost in net investment income appears driven by tactical asset reallocations and favorable short-term rates; with potential rate cuts on the horizon, how do you plan to sustain this elevated income level in your U.S. dollar portfolio?
Research analysts who have asked questions during AFLAC earnings calls.
Alex Scott
Barclays PLC
5 questions for AFL
John Barnidge
Piper Sandler
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Thomas Gallagher
Evercore
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Ryan Krueger
KBW
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Elyse Greenspan
Wells Fargo
3 questions for AFL
Jack Matten
BMO Capital Markets
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Jamminder Bhullar
JPMorgan Chase & Co.
3 questions for AFL
Suneet Kamath
Jefferies
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Wilma Jackson Burdis
Raymond James
3 questions for AFL
Jimmy Bhullar
JPMorgan Chase & Co.
2 questions for AFL
Joel Hurwitz
Dowling & Partners Securities, LLC
2 questions for AFL
Michael Ward
Citi Research
2 questions for AFL
Nicholas Annitto
Wells Fargo & Company
2 questions for AFL
Wes Carmichael
Autonomous Research
2 questions for AFL
Wesley Carmichael
Autonomous Research
2 questions for AFL
Wilma Burdis
Raymond James Financial
2 questions for AFL
Francis Matten
BMO Capital Markets
1 question for AFL
Joshua Shanker
Bank of America Merrill Lynch
1 question for AFL
Taylor Scott
BofA Securities
1 question for AFL
Recent press releases and 8-K filings for AFL.
- The Board approved up to 100 million additional shares for repurchase, raising the total available to 130.9 million shares (30.9 million remaining under the November 2022 plan plus the new authorization).
- Repurchases will be conducted opportunistically in open-market or negotiated transactions, depending on market conditions.
- Announcement date: August 12, 2025.
- Aflac delivered Q2 net EPS of $1.11 and adjusted EPS of $1.78, with adjusted ROE of 13.7% and adjusted book value per share up 5.2% excluding FX remeasurement.
- In Japan, sales rose 23.2% y/y (cancer insurance +53%) driven by the MiRyto launch; persistency was 93.7%, net earned premiums declined 4.8% (underlying –1.1%), and pretax margin was 32%.
- In the US, new sales totaled $340 M (+2.7% y/y), persistency held at 79.2%, net earned premiums increased 3.4%, and pretax margin reached 22.5%.
- Returned $1.1 B to shareholders in Q2 ($829 M buybacks; $312 M dividends), issued ¥150 B of debt, and ended with holding-company liquidity of $5.1 B; capital ratios include SMR >900%, RBC >600%, ESR >240%.
- On June 12, 2025, Aflac detected unauthorized network access and contained the intrusion within hours, with core operations remaining fully operational .
- Preliminary findings indicate the breach involved social engineering and is suspected to involve the Scattered Spider group, previously linked to the 2023 MGM Resorts hack .
- The incident potentially exposed Social Security numbers, health information, and claims data of customers, employees, and agents, with Aflac serving approximately 50 million customers globally .
- A review of files containing sensitive data confirms the scope includes claims data and personal details .
- Aflac has engaged leading third-party cybersecurity experts to investigate the incident and is preparing to notify regulators and affected parties .
- As a mitigation measure, the company is offering 24 months of complimentary credit monitoring, identity theft protection, and Medical Shield .
- The full scope of the breach and total number of affected individuals remain undetermined .
- Aflac Incorporated filed an 8-K announcing the issuance of four classes of Senior Notes—1.726% due 2030 (£35,000,000,000), 2.003% due 2032 (£23,400,000,000), 2.369% due 2035 (£9,500,000,000), and 2.779% due 2040 (£7,000,000,000)—as part of its registration statement on Form S-3.
- The offering was supported by an underwriting agreement dated May 30, 2025, involving multiple major underwriters, and included both public and private placement transactions.
- The Senior Notes feature defined redemption terms, with early redemption beginning on July 18, 2030, and include tax-related provisions ensuring net payments remain unaffected by withholding requirements.
- In Q1 2025, Aflac reported net earnings of $29 million (net earnings per diluted share of $0.05) and adjusted EPS of $1.66 on total revenues of $3.4 billion, amid net investment losses versus a strong prior-year performance
- The company executed a $900 million share repurchase by buying back 8.5 million common shares and returned $1.2 billion to shareholders in Q1
- Aflac declared a Q2 dividend of $0.58 per share, reinforcing its tactical capital deployment strategy
- In Japan, sales surged 12.6% YoY driven by its cancer insurance segment (including Sumita and early Merito results) with a persistency rate of 93.8%, while the U.S. segment saw a 3.5% YoY sales increase and 79.3% persistency, owing to improved underwriting and expense management
- Adjusted ROE was 12.7% (or 15.6% excluding foreign currency impact), reflecting stable operational performance
- The company maintained strong capital ratios with 42 consecutive years of dividend growth and highlighted key risks—global market conditions, interest rate movements, and foreign currency fluctuations—in its Q1 forward-looking disclosures