Aflac Incorporated (AFL)

Insurer in Japan and the U.S., corporate counted. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 25, 2026. Ranked 50 of the 88 Financial Services companies read so far, by the share within reach now.

The filing's table counts 12,716 full-time employees, 6,804 at Aflac Japan, 5,117 at Aflac U.S. and 795 corporate, so both patterns are counted parts.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 38% now, 58% at the end of 2027, 68% at the end of 2028, 71% at the end of 2030. By the patterns, the work is about 71% desk work, 25% people work and 4% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 29% of the working time stays with people (conversation, in-person and hands-on work), 61% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

12,716 employees as of December 31, 2025 (stated). Not stated by country; the table counts 5,117 at Aflac U.S. (40%), 6,804 at Aflac Japan (54%) and 795 in corporate and other, which the filing does not assign to a country.

The filing: “The following table details the number of full-time employees as of December 31, 2025: Aflac Japan 6,804, Aflac U.S. 5,117, Corporate and other 795, Total 12,716.”

The workforce as industry patterns

What the filing says about the workforce: Full-time: 6,804 Aflac Japan, 5,117 Aflac U.S., 795 corporate and other; about 112,000 licensed sales associates employed by about 6,300 agencies in Japan, outside the count (rule 8); Aflac Heartful Services employs 158, 124 with a disability; the collector's 1,000 was a broker-market sentence, replaced under rule 2.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Insurance Carriers, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• UnitedHealth Group (UNH, 390,000 employees)33% now, 54% by 2028
• Elevance Health (ELV, 97,100 employees)36% now, 62% by 2028
• The Progressive Corporation (PGR, 70,000 employees)39% now, 68% by 2028
• Cigna Corporation (CI, 67,700 employees)37% now, 60% by 2028
• Humana Inc. (HUM, 67,060 employees)34% now, 54% by 2028
• Centene Corp. (CNC, 61,100 employees)39% now, 68% by 2028
• The Allstate Corporation (ALL, 53,000 employees)39% now, 68% by 2028
• MetLife, Inc. (MET, 46,000 employees)39% now, 68% by 2028

What the filing says about AI

5 sentences in the filing name AI. Five sentences: the company says it will keep investing in digital capabilities including the development and use of AI, names state adoption of the NAIC model bulletin on insurers' use of AI, and lists AI use among cybersecurity risks.

• “Additionally, certain states are adopting the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers and, in limited cases, passing their own laws related to artificial intelligence.”
• “The Company will continue to incur expenses related to, among other things, investments in digital capabilities and product innovation including the development and use of artificial intelligence (AI).”
• “The Company's development of new technology, including the use of AI by the Company and third-party vendors, could lead to an increased risk of a business interruption or a cybersecurity breach.”
• “The rapid evolution and increased adoption of artificial intelligence technologies may also heighten the Company's cybersecurity risks by making cyber-attacks more difficult to detect, contain, and mitigate.”
• “Despite the Company's published Supplier Code of Conduct, due diligence of the Company's alliance partners, and rigorous contracting procedures (including financial, legal, IT security, AI and risk reviews), there can be no assurance that controls and procedures that the Company employs will be effective.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20234median 1
• Fiscal 20244median 4
• Fiscal 20255median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The collector's 1,000 is a sentence about broker-market employers; the filing's table states 12,716 full-time employees (rule 2).
• The patterns stand for work in Japan under rule 7, the same insurance work; the corporate count (795) is read at management of companies under rule 6.

Source: the company's annual report on EDGAR, accession 0001628280-26-011402, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.