AFL 10-K Annual Report Dec. 31, 2018 | Alphaminr
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AFL 10-K Fiscal year ended Dec. 31, 2018

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AFLAC INC
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TABLE OF CONTENTS
Part IItem 1. BusinessItem 1A. Risk FactorsItem 1B. Unresolved Staff CommentsItem 2. PropertiesItem 3. Legal ProceedingsItem 4. Mine Safety DisclosuresPart IIItem 5. Market For Registrant's Common Equity, Related Stockholder Matters and IssuerItem 6. Selected Financial DataItem 7. Management S Discussion and Analysis Of Financial Condition and Results OfItem 7A. Quantitative and Qualitative Disclosures About Market RiskNote 14 For Additional Details)Item 9. Changes in and Disagreements with Accountants on Accounting and FinancialItem 9A. Controls and ProceduresItem 9B. Other InformationPart IIIPart IVItem 15. Exhibits, Financial Statement Schedules

Exhibits

3.0 - Articles of Incorporation, as amended incorporated by reference from Form10-Q for June30, 2008, Exhibit3.0 (File No.001-07434). 3.1 - Bylaws of the Corporation, as amended and restated incorporated by reference from Form 8-K dated November 10, 2015, Exhibit 3.1 ( File No. 001-07434) 4.1 - Indenture, dated as of May 21, 2009, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee incorporated by reference from Form 8-K dated May21, 2009, Exhibit 4.1 (File No. 001-07434). 4.2 - Second Supplemental Indenture, dated as of December 17, 2009, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 6.900% Senior Note due 2039) incorporated by reference from Form 8-K dated December14, 2009, Exhibit 4.1 (File No. 001-07434). 4.3 - Third Supplemental Indenture, dated as of August 9, 2010, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 6.45% Senior Note due 2040) - incorporated by reference from Form 8-K dated August 4, 2010, Exhibit 4.1 (File No. 001-07434). 4.4 - Sixth Supplemental Indenture, dated as of February 10, 2012, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 4.00% Senior Note due 2022) - incorporated by reference from Form 8-K dated February 8, 2012, Exhibit 4.2 (File No. 001-07434). 4.5 - Eighth Supplemental Indenture, dated as of June 10, 2013, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 3.625% Senior Note due 2023) - incorporated by reference from Form 8-K dated June 10, 2013, Exhibit 4.1 (File No. 001-07434). 4.6 - Ninth Supplemental Indenture, dated as of November 7, 2014, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 3.625% Senior Note due 2024) - incorporated by reference from Form 8-K dated November 4, 2014, Exhibit 4.1 (File No. 001-07434). 4.7 - Tenth Supplemental Indenture, dated as of March 12, 2015, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 2.40% Senior Note due 2020) - incorporated by reference from Form 8-K dated March 9, 2015, Exhibit 4.1 (File No. 001-07434). 4.8 - Eleventh Supplemental Indenture, dated as of March 12, 2015, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 3.25% Senior Note due 2025) - incorporated by reference from Form 8-K dated March 9, 2015, Exhibit 4.2 (File No. 001-07434). 4.9 - Twelfth Supplemental Indenture, dated as of September 19, 2016, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 2.875% Senior Note due 2026) - incorporated by reference from Form 8-K dated September 19, 2016, Exhibit 4.1 (File No. 001-07434). 4.10 - Thirteenth Supplemental Indenture, dated as of September 19, 2016, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 4.000% Senior Note due 2046) incorporated by reference from Form 8-K dated September 19, 2016, Exhibit 4.2 (File No. 001-07434). 4.11 - Fourteenth Supplemental Indenture, dated as of January 25, 2017, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of .932% Senior Note due 2027) incorporated by reference from Form 8-K dated January 25, 2017, Exhibit 4.1 (File No. 001-07434). 4.12 - Fifteenth Supplemental Indenture, dated as of October 18, 2018, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.159% Senior Note due 2030) incorporated by reference from Form 8-K dated October 18, 2018, Exhibit 4.1 (File No. 001-07434). 4.13 - Sixteenth Supplemental Indenture, dated as of October 18, 2018, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.488% Senior Note due 2033) incorporated by reference from Form 8-K dated October 18, 2018, Exhibit 4.2 (File No. 001-07434). 4.14 - Seventeenth Supplemental Indenture, dated as of October 18, 2018, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.750% Senior Note due 2038) incorporated by reference from Form 8-K dated October 18, 2018, Exhibit 4.3 (File No. 001-07434). 4.15 - Eighteenth Supplemental Indenture, dated as of October 31, 2018, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 4.750% Senior Note due 2049) incorporated by reference from Form 8-K dated October 31, 2018, Exhibit 4.1 (File No. 001-07434). 4.16 - Subordinated Indenture, dated as of September 26, 2012, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee incorporated by reference from Form 8-K dated September 26, 2012, Exhibit 4.1 (File No. 001-07434). 4.17 - Second Supplemental Indenture, dated as of October 23, 2017, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 2.108% Subordinated Debenture due 2047) - incorporated by reference from Form 8-K dated October 23, 2017, Exhibit 4.1 (File No. 001-07434). 10.1* - Amendment to American Family Corporation Retirement Plan for Senior Officers, dated December 8, 2008 incorporated by reference from 2008 Form10-K, Exhibit 10.1 (File No.001-07434). 10.2* - Second Amendment to the American Family Corporation Retirement Plan for Senior Officers, dated November 16, 2012 incorporated by reference from Form 10-Q for September 30, 2016, Exhibit 10.2 (File No. 001-07434). 10.3* - Third Amendment to the American Family Corporation Retirement Plan for Senior Officers, dated October 18, 2016 incorporated by reference from Form 10-Q for September 30, 2016, Exhibit 10.3 (File No. 001-07434). 10.4* - Aflac Incorporated Supplemental Executive Retirement Plan, as amended and restated January1, 2009 incorporated by reference from 2008 Form10-K, Exhibit 10.5 (File No.001-07434). 10.5* - First Amendment to the Aflac Incorporated Supplemental Executive Retirement Plan, as amended and restated January 1, 2009 incorporated by reference from 2012 Form10-K, Exhibit10.3 (File No.001-07434). 10.6* - Second Amendment to the Aflac Incorporated Supplemental Executive Retirement Plan, as amended and restated January 1, 2009 incorporated by reference from 2014 Form10-K, Exhibit10.4 (File No.001-07434). 10.7* - Aflac Incorporated Executive Deferred Compensation Plan, as amended and restated, effective September1, 2015 incorporated by reference from Form 10-Q for September 30, 2015, Exhibit 10.5 (File No.001-07434). 10.8* - First Amendment to the Aflac Incorporated Executive Deferred Compensation Plan, as amended and restated, effective September1, 2015 incorporated by reference from Form 10-Q for September 30, 2016, Exhibit 10.8 (File No.001-07434). 10.9* - Second Amendment to the Aflac Incorporated Executive Deferred Compensation Plan, as amended and restated, effective September 1, 2015 incorporated by reference from Form 10-Q for March 31, 2017, Exhibit 10.9 (File No.001-07434). 10.10* - Third Amendment to the Aflac Incorporated Executive Deferred Compensation Plan, as amended and restated, effective September 1, 2015. 10.11* - Aflac Incorporated 2013 Management Incentive Plan incorporated by reference from the 2012 Proxy Statement, Appendix B (File No. 001-07434). 10.12* - Aflac Incorporated 2018 Management Incentive Plan - incorporated by reference from the 2017 Proxy Statement, Appendix B (File No. 001-07434). 10.13* - 1999 Aflac Associate Stock Bonus Plan, amended and restated as of January 1, 2013 incorporated by reference from Form 10-Q for March 31, 2013, Exhibit 10.10 (File No. 001-07434). 10.15* - Formof Officer Stock Option Agreement (Non-Qualifying Stock Option) under the Aflac Incorporated 1997 Stock Option Plan incorporated by reference from Form8-K dated January28, 2005, Exhibit10.5 (File No.001-07434). 10.16* - Formof Officer Stock Option Agreement (Incentive Stock Option) under the Aflac Incorporated 1997 Stock Option Plan incorporated by reference from Form8-K dated January28, 2005, Exhibit10.6 (File No.001-07434). 10.17* - Notice of grant of stock options and stock option agreement to officers under the Aflac Incorporated 1997 Stock Option Plan incorporated by reference from Form8-K dated January28, 2005, Exhibit10.7 (File No.001-07434). 10.18* - 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from the 2012 Proxy Statement, Appendix A (File No.001-07434). 10.19* - Formof Non-Employee Director Stock Option Agreement (NQSO) under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.13 (File No. 001-07434). 10.20* - Notice of grant of stock options to non-employee director under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.14 (File No. 001-07434). 10.21* - Formof Non-Employee Director Restricted Stock Award Agreement under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.15 (File No. 001-07434). 10.22* - Notice of restricted stock award to non-employee director under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.16 (File No. 001-07434). 10.23* - U.S. Formof Employee Restricted Stock Award Agreement under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.17 (File No. 001-07434). 10.24* - Japan Formof Employee Restricted Stock Award Agreement under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.18 (File No. 001-07434). 10.25* - Notice of time based restricted stock award under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for June 30, 2013, Exhibit 10.22 (File No.001-07434). 10.26* - Notice of performance based restricted stock award under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.20 (File No. 001-07434). 10.27* - U.S. Formof Employee Stock Option Agreement (Non-Qualifying Stock Option) under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.21 (File No. 001-07434). 10.28* - Japan Formof Employee Stock Option Agreement (Non-Qualifying Stock Option) under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.22 (File No. 001-07434). 10.29* - U.S. Formof Employee Stock Option Agreement (Incentive Stock Option) under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.23 (File No. 001-07434). 10.30* - U.S. Notice of grant of stock options under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for June 30, 2013, Exhibit 10.28 (File No.001-07434). 10.31* - Japan Notice of grant of stock options under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for June 30, 2013, Exhibit 10.29 (File No.001-07434). 10.32* - Japan Form of Restricted Stock Unit Agreement under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2016, Exhibit 10.26 (File No. 001-07434). 10.33* - Aflac Incorporated Long-Term Incentive Plan, as amended and restated February 14, 2017 incorporated by reference from Form 8-K dated May 1, 2017, Exhibit 10.1 (File No.001-07434). 10.34* - Formof Non-Employee Director Stock Option Agreement (Non-Qualifying Stock Option) under the Aflac Incorporated Long-Term Incentive Plan, as amended and restated February 14, 2017 incorporated by reference from Form 10-Q for June 30, 2017, Exhibit 10.33 (File No.001-07434). 10.35* - Formof Non-Employee Director Restricted Stock Award Agreement under the Aflac Incorporated Long-Term Incentive Plan, as amended and restated February 14, 2017 incorporated by reference from Form 10-Q for June 30, 2017, Exhibit 10.34 (File No.001-07434). 10.36* - Notice of time based restricted stock unit and restricted stock unit agreement under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2018, Exhibit 10.1 (File No.001-07434). 10.37* - 2017 Notice of performance based restricted stock and restricted stock award agreement under the 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from Form 10-Q for March 31, 2018, Exhibit 10.2 (File No.001-07434). 10.38* - Notice of time based restricted stock unit and restricted stock unit agreement under the Aflac Incorporated Long-Term Incentive Plan, as amended and restated February 14, 2017 incorporated by reference from Form 10-Q for March 31, 2018, Exhibit 10.3 (File No.001-07434). 10.39* - 2018 Notice of performance based restricted stock and restricted stock award agreement under the Aflac Incorporated Long-Term Incentive Plan, as amended and restated February 14, 2017 incorporated by reference from Form 10-Q for March 31, 2018, Exhibit 10.4 (File No.001-07434). 10.40* - Aflac Incorporated Retirement Plan for Directors Emeritus, as amended and restated, dated February 9, 2010 incorporated by reference from 2009 Form10-K, Exhibit10.26 (File No.001-07434). 10.41* - Amendment to Aflac Incorporated Retirement Plan for Directors Emeritus, as amended and restated, dated August 10, 2010 incorporated by reference from Form 10-Q for September30, 2010, Exhibit 10.27 (File No. 001-07434). 10.42* - Aflac Incorporated Employment Agreement with Daniel P. Amos, as amended and restated, dated August 20, 2015 incorporated by reference from Form 10-Q for September 30, 2015, Exhibit 10.29 (File No. 001-07434). 10.43* - Aflac Employment Agreement with Eric M. Kirsch, as amended and restated, dated December 1, 2015 incorporated by reference from Form 8-K dated December 1, 2015, Exhibit 10.1 (File No. 001-07434). 10.44* - Amendment to Aflac Employment Agreement with Eric M. Kirsch, dated November 30, 2017 incorporated by reference from 2017 Form 10-K, Exhibit 10.42 (File No. 001-07434). 10.45* - Aflac Incorporated Employment Agreement with Frederick J. Crawford, effective June30, 2015 incorporated by reference from Form8-K dated June24, 2015, Exhibit10.1 (File No.001-07434). 10.46* - Aflac Incorporated Employment Agreement with Charles D. Lake II, dated January 1, 2018 incorporated by reference from Form 10-Q for March 31, 2018, Exhibit 10.5 (File No.001-07434). 10.47* - Aflac Incorporated Employment Agreement with Audrey Boone Tillman, dated June 11, 2015 incorporated by reference from Form 10-Q for March 31, 2018, Exhibit 10.6 (File No.001-07434). 10.48 - Basic Agreement regarding the Strategic Alliance Based on Capital Relationship, dated December 19, 2018, by and among Japan Post Holdings Co., Ltd., Aflac Incorporated and Aflac Life Insurance Japan Ltd. incorporated by reference from Form 8-K dated December 19, 2018, Exhibit 10.1 (File No. 001-07434). 10.49 - Letter Agreement, dated December 19, 2018, by and between Japan Post Holdings Co., Ltd. and Aflac Incorporated incorporated by reference from Form 8-K dated December 19, 2018, Exhibit 10.2 (File No. 001-07434). 21 - Subsidiaries. 23 - Consent of independent registered public accounting firm, KPMG LLP, to Form S-8 Registration Statement No. 333-158969 with respect to the Aflac Incorporated 401(k) Savings and Profit Sharing Plan. 31.1 - Certification of CEO dated February 22, 2019, required by Rule13a-14(a)or Rule 15d-14(a) of the Securities Exchange Act of 1934. 31.2 - Certification of CFO dated February 22, 2019, required by Rule13a-14(a)or Rule 15d-14(a) of the Securities Exchange Act of 1934. 32 - Certification of CEO and CFO dated February 22, 2019, pursuant to 18 U.S.C. Section1350, as Adopted Pursuant to Section906 of the Sarbanes-Oxley Act of 2002.