AFL · 10-Q · 2026Q3 · Full report

Guidance / Outlook

AFLAC INC · 2026-11-05 · Importance 42 · Surprise 24 · In source text

For full-year 2026, the Company expects Aflac Japan’s benefit ratio to be slightly below its 60%–63% range. It expects Aflac U.S.’s full-year 2026 benefit ratio to be below its 48%–52% range. The filing does not provide a revised revenue, margin, or capital expenditure forecast in these statements.

Key facts

• For full-year 2026, Aflac U.S. is expected to generate a benefit ratio below the 48%–52% range. source
• For full-year 2026, Aflac Japan is expected to generate a benefit ratio slightly below the 60%–63% range. source
• Aflac Incorporated had incurred costs from the June 2025 U.S. Cyber Incident and may incur additional costs for affected-individual protections, response, litigation, investigations, advisory services, insurance premiums, and cybersecurity compliance. source
• Aflac Incorporated identified unauthorized access to a limited number of U.S. systems on June 12, 2025, and remains in communication with regulators and other relevant authorities. source
• Aflac Japan detected unauthorized third-party access to certain systems on June 25, 2026, and remains in communication with regulators and other relevant authorities. source
• Aflac Incorporated stated that the June 2026 Japan Cyber Incident was limited to Japan systems, did not involve access to U.S. business systems, and was not reasonably likely to materially affect financial condition or results of operations. source
• Aflac Incorporated stated that the potential loss from the June 2025 U.S. Cyber Incident could not be reasonably estimated and that it continued to assess the financial impact, including insurance coverage. source
• Aflac Incorporated stated that the potential loss from the June 2026 Japan Cyber Incident could not be reasonably estimated. source

Impact estimates