UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) ~~June 20~~August 5, 2025

Aflac Incorporated

_________________________________________________________________________________________________________________________________________________________

(Exact name of registrant as specified in its charter)

Georgia

001-07434

58-1167100

(State or other jurisdiction

(Commission

(IRS Employer

of incorporation)

File Number)

Identification No.)

1932 Wynnton Road

Columbus

Georgia

31999

(Address of principal executive offices)

(Zip Code)

706.323.3431

_________________________________________________________________________________________________________________________________________________________

(Registrant’s telephone number, including area code)

_________________________________________________________________________________________________________________________________________________________

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $.10 Par Value

AFL

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 8 2.~~01 Other~~02 Results ~~Events~~of Operations and Financial Condition.

On ~~June 12~~August 5, 2025, Aflac Incorporated, ~~a Georgia corporation~~ (the “"Company”"), ~~identified~~issued ~~unauthorized~~a ~~access~~press torelease ~~its~~dated ~~network.~~August 5, ~~The~~2025 ~~Company~~in ~~promptly~~which ~~initiated~~it ~~its~~reported ~~cybersecurity~~the ~~incident~~Company's ~~response~~2025 ~~protocols~~second ~~and~~quarter ~~believes~~financial ~~that~~results. itA ~~contained~~copy of the ~~intrusion~~press ~~within~~release ~~hours.~~is ~~The~~furnished ~~Company’s~~as ~~business~~Exhibit ~~remains~~99.1 ~~operational,~~to ~~and~~this ~~its~~Current ~~systems~~Report ~~were~~on ~~not~~Form ~~affected~~8-K byand ~~ransomware.~~incorporated ~~The~~by ~~Company~~reference ~~continues~~herein toin ~~serve~~ its ~~policyholders~~entirety. asIn itaddition, ~~responds~~a tocopy ~~this~~of ~~incident~~the ~~and~~Company's ~~can~~second ~~underwrite~~quarter ~~policies,~~supplemental ~~review~~earnings ~~claims,~~materials ~~and~~is ~~otherwise~~furnished ~~service customers~~ as ~~usual~~Exhibit 99.2 ~~The~~to ~~Company~~this ~~has~~Current ~~engaged~~Report ~~leading~~on ~~third~~Form 8-~~party~~K ~~cybersecurity~~and ~~experts~~incorporated toby ~~support~~reference ~~the~~herein ~~Company’s~~in ~~response~~its ~~to the incident~~entirety.

~~The~~On August 5, 2025, the Company ~~has~~posted ~~commenced~~to aits ~~review~~investor ofrelations ~~potentially~~website ~~impacted~~at ~~files~~investors.aflac.com ~~That~~a ~~review~~video ispresentation inby ~~its~~Max ~~early~~Brodén, ~~stages.~~the ~~The~~ Company's isSenior ~~unable~~Executive toVice ~~determine~~President ~~the~~and ~~total~~Chief ~~number~~Financial ofOfficer, ~~affected~~discussing ~~individuals~~the ~~until~~Company's ~~that~~2025 ~~review~~second isquarter ~~completed~~financial results. ~~The~~A ~~potentially~~copy ~~impacted~~of ~~files~~the ~~contain~~transcript ~~claims~~of ~~information,~~Mr. ~~health~~Brodén's ~~information,~~comments ~~social~~from ~~security~~the ~~numbers,~~Investor Update and~~/or~~ ~~other~~a ~~personal~~copy ~~information,~~of ~~related~~the toInvestor ~~customers,~~Presentation ~~beneficiaries,~~are ~~employees,~~furnished ~~agents,~~as ~~and~~Exhibit ~~other~~99.3 ~~individuals~~and inExhibit ~~its U~~99.S.4 ~~business.~~to ~~The~~this ~~Company~~Current ~~anticipates~~Report ~~notifying~~on ~~regulators~~Form ~~and~~8-K, ~~providing~~respectively, ~~appropriate~~and ~~notifications~~are toincorporated ~~individuals~~by ~~affected~~reference byherein ~~this~~in ~~incident~~their entirety. ~~Individuals~~The ~~will~~Investor beUpdate ~~offered~~and ~~free~~the ~~credit~~Investor ~~monitoring~~Presentation ~~and~~should ~~identity~~be ~~theft~~read ~~protection~~in ~~services~~conjunction with the press release.

AtItem 9.01 Financial ~~this~~Statements ~~time, the full scope~~ and ~~potential ultimate impact on the Company are not known~~Exhibits.

~~FORWARD-LOOKING~~(d) ~~INFORMATION~~Exhibits.

The Private Securities Litigation Reform Act of 1995 provides a “safe harbor” to encourage companies to provide prospective information, so long as those informational statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying important factors that could cause actual results to differ materially from those included in the forward-looking statements. The company desires to take advantage of these provisions. This document contains cautionary statements identifying important factors that could cause actual results to differ materially from those projected herein, and in any other statements made by company officials in communications with the financial community and contained in documents filed with the Securities and Exchange Commission (SEC). Forward-looking statements are not based on historical information and relate to future operations, strategies, financial results or other developments. Furthermore, forward-looking information is subject to numerous assumptions, risks and uncertainties. In particular, statements containing words such as “expect,” “anticipate,” “believe,” “goal,” “objective,” “may,” “should,” “estimate,” “intends,” “projects,” “will,” “assumes,” “potential,” “target,” "outlook" or similar words as well as specific projections of future results, generally qualify as forward-looking. Factors that could cause actual results to differ materially from those expressed or implied include the Company’s discovery of additional information related to the incident, legal, reputational, and financial risks resulting from the incident, any potential regulatory inquiries, enforcement actions and/or litigation to which the Company may become subject in connection with the incident, any contract terminations, disputes or loss of business, and other additional costs that may be incurred by the Company in connection with the incident. Aflac undertakes no obligation to update such forward-looking statements.


Exhibit Number						Exhibit Title or Description
99.1						Press release of Aflac Incorporated dated August 5, 2025
99.2						Financial Supplement for Second Quarter 2025
99.3						Transcript of comments in video presentation by Max Brodén, Senior Executive Vice President and Chief Financial Officer of Aflac Incorporated.
99.4						Slides referenced in video presentation by Max Brodén, Senior Executive Vice President and Chief Financial Officer of Aflac Incorporated.
104						Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

~~Aflac Incorporated~~

Aflac Incorporated

June 20, 2025

/s/ Robin L. Blackmon

August 5, 2025

/s/ Robin L. Blackmon

~~(Robin L. Blackmon)~~

(Robin L. Blackmon)

~~Senior Vice President, Financial Services~~

Senior Vice President, Financial Services

~~Chief Accounting Officer~~

Chief Accounting Officer

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