AFL 10-K Annual Report Dec. 31, 2020 | Alphaminr
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AFL 10-K Fiscal year ended Dec. 31, 2020

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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 RiskItem 8. Financial Statements and Supplementary DataItem 9. Changes in and Disagreements with Accountants on Accounting and FinancialItem 9A. Controls and ProceduresItem 9B. Other InformationPart IIIPart IVItem 15. Exhibits, Financial Statement SchedulesItem 16. Form 10-k Summary

Exhibits

3.0 - Articles of Incorporation, as amended incorporated by reference from Form10-Q for June30, 2008, Exhibit3.0. 3.1 - Bylaws of the Corporation, as amended and restated incorporated by reference from Form 8-K dated April 6, 2020, Exhibit 3.1. 4.1 - Description of common stock securities registered pursuant to Section 12 of the Securities Exchange Act of 1934 incorporated by reference from 2019 Form10-K, Exhibit4.1. 4.2 - 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. 4.3 - 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. 4.4 - 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. 4.5 - 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. 4.6 - 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. 4.7 - 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. 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. 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. 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. 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. 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. 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. 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. 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. 4.16 - Nineteenth Supplemental Indenture, dated as of December 17, 2019, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 0.500% Senior Note due 2029) incorporated by reference from Form 8-K dated December 17, 2019, Exhibit 4.1. 4.17 - Twentieth Supplemental Indenture, dated as of December 17, 2019, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 0.843% Senior Note due 2031) incorporated by reference from Form 8-K dated December 17, 2019, Exhibit 4.2. 4.18 - Twenty-First Supplemental Indenture, dated as of December 17, 2019, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 0.934% Senior Note due 2034) incorporated by reference from Form 8-K dated December 17, 2019, Exhibit 4.3. 4.19 - Twenty-Second Supplemental Indenture, dated as of December 17, 2019, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 1.122% Senior Note due 2039) incorporated by reference from Form 8-K dated December 17, 2019, Exhibit 4.4. 4.20 - Twenty-Third Supplemental Indenture, dated as of March 12, 2020, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 0.300% Senior Note due 2025) incorporated by reference from Form 8-K dated March 12, 2020, Exhibit 4.1. 4.21 - Twenty-Fourth Supplemental Indenture, dated as of March 12, 2020, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 0.550% Senior Note due 2030) incorporated by reference from Form 8-K dated March 12, 2020, Exhibit 4.2. 4.22 - Twenty-Fifth Supplemental Indenture, dated as of March 12, 2020, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 0.750% Senior Note due 2032) incorporated by reference from Form 8-K dated March 12, 2020, Exhibit 4.3. 4.23 - Twenty-Sixth Supplemental Indenture, dated as of March 12, 2020, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 0.830% Senior Note due 2035) incorporated by reference from Form 8-K dated March 12, 2020, Exhibit 4.4. 4.24 - Twenty-Seventh Supplemental Indenture, dated as of April 1, 2020, between Aflac Incorporated and The Bank of New York Mellon Trust Company, N.A., as trustee (including the form of 3.600% Senior Note due 2030) incorporated by reference from Form 8-K dated April 1, 2020, Exhibit 4.1. 4.25 - 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. 4.26 - 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. 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. 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. 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. 10.4* - Aflac Incorporated Supplemental Executive Retirement Plan, as amended and restated January1, 2009 incorporated by reference from 2008 Form10-K, Exhibit 10.5. 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. 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. 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. 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. 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. 10.10* - Third Amendment to the Aflac Incorporated Executive Deferred Compensation Plan, as amended and restated, effective September 1, 2015 incorporated by reference from 2018 Form 10-K, Exhibit 10.10. 10.11* - Aflac Incorporated Executive Deferred Compensation Plan, as amended and restated, effective January 1, 2020 incorporated by reference from 2019 Form10-K, Exhibit10.11. 10.12* - First Amendment to the Aflac Incorporated Executive Deferred Compensation Plan, as amendedand restated, effective January 1, 2020 incorporated by reference from Form 10-Q for June 30, 2020, Exhibit 10.1. 10.13* - Aflac Incorporated 2013 Management Incentive Plan incorporated by reference from the 2012 Proxy Statement, Appendix B. 10.14* - Aflac Incorporated 2018 Management Incentive Plan - incorporated by reference from the 2017 Proxy Statement, Appendix B. 10.15* - 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. 10.17* - 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. 10.18* - 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. 10.19* - 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. 10.20* - 2004 Aflac Incorporated Long-Term Incentive Plan, as amended and restated March 14, 2012 incorporated by reference from the 2012 Proxy Statement, Appendix A. 10.21* - 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. 10.22* - 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. 10.23* - 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. 10.24* - 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. 10.25* - 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. 10.26* - 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. 10.27* - 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. 10.28* - 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. 10.29* - 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. 10.30* - 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. 10.31* - 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. 10.32* - 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. 10.33* - 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. 10.34* - 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. 10.35* - 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. 10.36* - 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. 10.37* - 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. 10.38* - 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. 10.39* - 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. 10.40* - 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. 10.41* - 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. 10.42* - Aflac Incorporated Retirement Plan for Directors Emeritus, as amended and restated, dated February 9, 2010 incorporated by reference from 2009 Form10-K, Exhibit10.26. 10.43* - 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. 10.44* - Aflac Life Insurance Japan Ltd. Officer Retirement Plan incorporated by reference from 2019 Form10-K, Exhibit10.43. 10.45* - 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. 10.46* - 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. 10.47* - Amendment to Aflac Employment Agreement with Eric M. Kirsch, dated November 30, 2017 incorporated by reference from 2017 Form 10-K, Exhibit 10.42. 10.48* - Aflac Incorporated Employment Agreement with Frederick J. Crawford, effective June30, 2015 incorporated by reference from Form8-K dated June24, 2015, Exhibit10.1. 10.49* - 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. 10.50* - Amendment to Aflac Incorporated Employment Agreement with Charles D. Lake II, effective January 1, 2020 incorporated by reference from 2019 Form10-K, Exhibit10.49. 10.51* - 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. 10.52* - Aflac Japan Officer Agreement with Masatoshi Koide, effective January 1, 2020 incorporated by reference from Form 10-Q for March 31, 2020, Exhibit 10.1. 10.53 - Agency Services Agreement, dated March 1, 2008, by and between Japan Post Network Co., Ltd. and Aflac incorporated by reference from Form 10-Q for March 31, 2020, Exhibit 10.2. 10.54** - Amendment Agreement to Agency Services Agreement, dated June 27, 2016, by and betweenJapan Post Co., Ltd. and Aflac incorporated by reference from Form 10-Q for March 31, 2020, Exhibit 10.3. 10.55 - 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. 10.56 - 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. 10.57 - Shareholders Agreement, dated February 28, 2019, by and between Aflac Incorporated, Japan Post Holdings Co., Ltd., J&A Alliance Holdings Corporation (solely in its capacity as trustee of J&A Alliance Trust), and General Incorporated Association J&A Alliance incorporated by reference from Form 10-Q for March 31, 2019, Exhibit 10.50. 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 February23, 2021, required by Rule13a-14(a)or Rule 15d-14(a) of the Securities Exchange Act of 1934. 31.2 - Certification of CFO dated February23, 2021, required by Rule13a-14(a)or Rule 15d-14(a) of the Securities Exchange Act of 1934. 32 - Certification of CEO and CFO dated February23, 2021, pursuant to 18 U.S.C. Section1350, as Adopted Pursuant to Section906 of the Sarbanes-Oxley Act of 2002.