Item 7.01 Regulation FD Disclosure.

Aflac Incorporated held its previously scheduled quarterly conference call on July 29, 2020 at 9:00 a.m. (ET). As a result of technical difficulties during the call, some portions of the prepared remarks were indiscernible during the call, on replays and on transcripts. A written copy of the full "Prepared Remarks" has been posted under "Quarterly Results" on investors.aflac.com.

The information contained on the website referenced above is not incorporated by reference into this Form 8-K. Further, the website URL is intended to be an inactive textual reference only.

FORWARD-LOOKING INFORMATION

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. Aflac undertakes no obligation to update such forward-looking statements.

The Company cautions readers that the following factors, in addition to other factors mentioned from time to time, could cause actual results to differ materially from those contemplated by the forward-looking statements:



•     the effects of COVID-19, and any resulting economic effects and government
      interventions, on the Company's business and financial results


•     ability to attract and retain qualified sales associates, brokers,
      employees, and distribution partners

• events related to the Japan Post investigation and other matters

• competitive environment and ability to anticipate and respond to market trends

• deviations in actual experience from pricing and reserving assumptions




•     ability to continue to develop and implement improvements in information
      technology systems

• defaults and credit downgrades of investments

• exposure to significant interest rate risk

• concentration of business in Japan

• limited availability of acceptable yen-denominated investments




•     failure to comply with restrictions on policyholder privacy and information
      security


•     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


•     catastrophic events including, but not necessarily limited to, epidemics,
      pandemics (such as the coronavirus COVID-19), tornadoes, hurricanes,
      earthquakes, tsunamis, war or other military action, terrorism or other
      acts of violence, and damage incidental to such events

• difficult conditions in global capital markets and the economy

• ability to protect the Aflac brand and the Company's reputation




•     extensive regulation and changes in law or regulation by governmental
      authorities

• foreign currency fluctuations in the yen/dollar exchange rate

• tax rates applicable to the Company may change

• decline in creditworthiness of other financial institutions




•     significant valuation judgments in determination of amount of impairments
      taken on the Company's investments

• U.S. tax audit risk related to conversion of the Japan branch to a subsidiary

• subsidiaries' ability to pay dividends to the Parent Company

• decreases in the Company's financial strength or debt ratings

• inherent limitations to risk management policies and procedures




•     concentration of the Company's investments in any particular single-issuer
      or sector

• differing judgments applied to investment valuations

• ability to effectively manage key executive succession

• changes in accounting standards

• level and outcome of litigation

• allegations or determinations of worker misclassification in the United States








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