AFL · 10-Q · 2026Q3 · Full report

Aflac Japan Sales Trends

AFLAC INC · 2026-11-05 · Importance 30 · Surprise 40

Aflac Japan’s new annualized premium sales in yen declined 4.0% in the third quarter of 2026, while nine-month sales increased 16.1%; the comparable reported dollar changes were a decline of 11.2% for the quarter and an increase of 13.5% for nine months. The quarterly yen decline primarily reflected a high prior-year sales baseline for Miraito cancer insurance, launched in March 2025, partly offset by Tsumitasu savings-type life insurance and Anshin Palette medical insurance, launched in December 2025. Nine-month yen sales growth was primarily driven by Tsumitasu and Anshin Palette. Following the June 2026 Japan Cyber Incident, Aflac Japan paused direct mail and customer outbound calls to prioritize customer support, and all normal marketing activities had resumed by quarter-end; cancer products accounted for 55.5% of quarterly sales and Tsumitasu for 25.2%.

Key facts

• Following the June 2026 Japan Cyber Incident, Aflac Japan paused certain marketing activities, including direct mail and customer outbound calls, during the third quarter to prioritize customer support; all normal marketing activities had resumed by quarter-end. source
• Aflac Japan's new annualized premium sales on a Japanese yen basis decreased 4.0% in the third quarter of 2026 and increased 11.8% in the first nine months of 2026 over the prior-year periods. source
• Aflac Japan's third-quarter 2026 new annualized premium sales decline on a yen basis primarily reflected a high prior-year sales baseline for Miraito cancer insurance, launched in March 2025, partly offset by growth in Tsumitasu and Anshin Palette, launched in December 2025. source
• Aflac Japan annualized premiums in force decreased 2.2% to ¥1.16 trillion at September 30, 2026, from ¥1.19 trillion at September 30, 2025, primarily because limited-pay products reached premium paid-up status. source
• Aflac Japan's new annualized premium sales on a yen basis increased in the first nine months of 2026 primarily because of strong sales of Tsumitasu and Anshin Palette. source
• Aflac Japan had approximately 22 million individual policies in force in Japan at September 30, 2026, including approximately 14 million cancer policies. source