Georgia
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001-07434
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58-1167100
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(State or other jurisdiction
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(Commission
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(IRS Employer
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of incorporation)
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File Number)
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Identification No.)
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1932 Wynnton Road
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Columbus
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Georgia
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31999
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(Address of principal executive offices)
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(Zip Code)
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☐
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Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
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Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
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Title of each class
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Trading Symbol(s)
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Name of each exchange on which registered
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Common Stock, $.10 Par Value
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AFL
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New York Stock Exchange
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•
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events related to the ongoing Japan Post investigation
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difficult conditions in global capital markets and the economy
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•
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exposure to significant interest rate risk
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concentration of business in Japan
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foreign currency fluctuations in the yen/dollar exchange rate
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limited availability of acceptable yen-denominated investments
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U.S. tax audit risk related to conversion of the Japan branch to a subsidiary
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deviations in actual experience from pricing and reserving assumptions
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ability to continue to develop and implement improvements in information technology systems
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competitive environment and ability to anticipate and respond to market trends
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ability to protect the Aflac brand and the Company's reputation
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ability to attract and retain qualified sales associates, brokers, employees, and distribution partners
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interruption in telecommunication, information technology and other operational systems, or a failure to maintain the security, confidentiality or privacy of sensitive data residing on such systems
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failure to comply with restrictions on patient privacy and information security
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extensive regulation and changes in law or regulation by governmental authorities
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tax rates applicable to the Company may change
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defaults and credit downgrades of investments
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decline in creditworthiness of other financial institutions
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significant valuation judgments in determination of amount of impairments taken on the Company's investments
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subsidiaries' ability to pay dividends to the Parent Company
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decreases in the Company's financial strength or debt ratings
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inherent limitations to risk management policies and procedures
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concentration of the Company's investments in any particular single-issuer or sector
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differing judgments applied to investment valuations
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ability to effectively manage key executive succession
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catastrophic events including, but not necessarily limited to, epidemics, pandemics, tornadoes, hurricanes, earthquakes, tsunamis, war or other military action, terrorism or other acts of violence, and damage incidental to such events
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changes in accounting standards
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increased expenses and reduced profitability resulting from changes in assumptions for pension and other postretirement benefit plans
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level and outcome of litigation
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allegations or determinations of worker misclassification in the United States
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Aflac Incorporated
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January 2, 2020
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/s/ June Howard
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(June Howard)
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Senior Vice President, Financial Services
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Chief Accounting Officer
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101.INS
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XBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.
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101.SCH
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XBRL Taxonomy Extension Schema.
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101.CAL
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XBRL Taxonomy Extension Calculation Linkbase.
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101.DEF
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XBRL Taxonomy Extension Definition Linkbase.
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101.LAB
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XBRL Taxonomy Extension Label Linkbase.
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101.PRE
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XBRL Taxonomy Extension Presentation Linkbase.
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