Better Health for All
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Aflac's core business, supplemental health and life insurance, provides significant financial protection for health events, making it the number one provider in the U.S.
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and a leader in Japan for cancer and medical insurance.
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The company's products cover a wide range of conditions, including mental health.
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Aflac demonstrates strong commitment to health education, with cancer education reaching over 22,000 people in Japan in 2024
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and a Spanish-language media tour reaching over 8.6 million people.
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The company partnered with the American Cancer Society in February 2025
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to encourage early cancer detection.
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Aflac has enhanced its 'Aflac Choice' product to cover income protection for mental health treatments, including substance and alcohol use disorders, reducing minimum confinement hours from 23 to 18 with no rate increase.
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It also offers comprehensive internal mental health support, including onsite/virtual behavioral health, apps, and an Employee Assistance Program.
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Aflac supports vulnerable populations through initiatives like the Children's Hughes Spalding Sickle Cell Clinic, where over 85% of patients rely on Medicaid or are uninsured,
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and by providing over 34,000 My Special Aflac Ducks to children with cancer or blood disorders.
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The company also allocated 51% of its corporate donations to address community-level disparities in 2022.
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Aflac maintains excellent risk transparency, with processes for evaluating security and privacy,
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and disclosed a cybersecurity incident in June that potentially impacted over 22.6 million individuals, including health information.
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However, this breach indicates poor health data protection, leading to a class-action lawsuit.
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Fair Money & Economic Opportunity
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Aflac Incorporated provides supplemental health and life insurance products and does not offer debt products to consumers.
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Therefore, the 'debt_burden_ratio' KPI is not applicable.
Fair Pay & Worker Respect
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Aflac's CEO pay ratio for Fiscal Year 2024 was 274:1, with the median employee compensation reported at $70,367.
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The company's employee turnover rate is below 9%.
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Employee surveys in 2023 and 2024 indicated that 57% and nearly 3 in 5 American workers, respectively, experienced moderate to high levels of burnout.
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A 2025 study further found that 41% of employees experienced burnout when covering for a co-worker on extended leave, with 73% reporting at least moderate workplace stress or anxiety in such situations.
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The company has been recognized as one of Ethisphere's World’s Most Ethical Companies for 19 consecutive years as of 2025.
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As of 2024, women held 52% of leadership roles in Aflac U.S.
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and 34% in Aflac Japan.
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By the end of 2022, 47% of senior management in the U.S. comprised people of color and/or women, and over 25% of management positions in Japan were held by women.
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Fair Trade & Ethical Sourcing
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Aflac is an insurance company and is not directly involved in material sourcing. Consequently, several KPIs related to physical commodities, upstream labor practices, and supply chain mapping are not applicable. While Aflac has a Supplier Code of Conduct
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and is a founding member of the Sustainable Purchasing Leadership Council,
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the provided articles do not offer specific quantitative data on the percentage of supplier contracts with enforceable ethical-sourcing clauses or the percentage of procurement budget directed to diverse suppliers.
Honest & Fair Business
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Aflac's board of directors is 90% independent.
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The company operates a "Safe to Say" whistleblower program, providing a 24/7 toll-free number and a confidential web-based reporting mechanism that allows for anonymous submissions.
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Retaliation against good-faith reporters is explicitly prohibited, and employees annually certify compliance with the Code of Business Conduct and Ethics.
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Aflac reported zero financial restatements in its 2024 document.
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Its anti-corruption policy ensures compliance with laws such as the Foreign Corrupt Practices Act, sets specific reporting and approval thresholds for gifts, limits investments in related entities, and prohibits hedging company securities.
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This policy is reinforced by annual employee certifications and periodic internal and external audits.
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Furthermore, Aflac has been recognized by Ethisphere as one of the World's Most Ethical Companies for 19 consecutive years, a distinction based on an extensive assessment requiring over 240 proof points, demonstrating significant independent verification of its ethical claims.
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,
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Kind to Animals
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Aflac is an insurance company, and its core business involves underwriting and selling insurance policies. These operations do not involve animal testing, animal agriculture, or the use of animal-derived ingredients. Therefore, KPIs related to cruelty-free certification, alternative testing methods, humane operations, ethical input substitution, supplier audits, cage-free sourcing, animal testing policy and volume, innovation investment in animal-free technologies, animal agriculture ethics, and animal-free R&D collaboration are not applicable to its business model. While Aflac has an alliance to provide pet medical insurance
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, the provided articles do not contain specific evidence of its engagement in animal welfare policy improvement or advocacy for higher standards.
No War, No Weapons
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Aflac's core business is providing supplemental health and life insurance products, with no direct involvement in arms or defense activities. The company explicitly states its detachment from military operations and avoids involvement in militaristic activities. Aflac committed to integrating ESG factors into investment decisions by signing the Principles for Responsible Investment (PRI) in 2021, aligning with its focus on responsible investments and avoiding funding industries involved in warfare or weapons.
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Given its business model, Aflac has no defense assets to divest, no exposure to controversial weapons, and no need for ethical red lines related to weapons.
Planet-Friendly Business
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Aflac procures 100% of electricity for its owned and controlled facilities from renewable sources, with on-site solar generation covering over 75% of its largest U.S. building's electricity in 2024.
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The company achieved a 77% waste diversion rate in 2023.
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Aflac U.S. re-certified under ISO 50001:2018 in 2022 with zero nonconformance issues.
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Total Scope 1, 2 (market-based), and 3 emissions (excluding Category 15) were 220,561 tCO2e in 2024, an increase from 211,850 tCO2e in 2023.
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Aflac is committed to carbon neutrality for Scopes 1, 2, and 3 (excluding Category 15) by 2040 and net zero emissions for all scopes (including Category 15) by 2050, but interim targets for these net-zero goals are not defined.
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The company anticipates setting science-aligned targets but has no SBTi-validated targets.
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Aflac publishes TCFD reports but explicitly states it has not incorporated climate-related scenario analysis into its strategy.
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In 2024, Aflac retired 2,850 metric tons of purchased carbon offsets for its Scope 1 GHG emissions, covering approximately 1.29% of its total reported Scope 1, 2, and 3 emissions, with no specific quality rating provided.
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Aflac Japan participates in nature conservation activities and has small-scale tree planting initiatives, but no portfolio-wide biodiversity strategy or measurable outcomes are reported.
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Respect for Cultures & Communities
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Aflac has over 20 formal partnerships, including numerous community organizations
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, 45 South Carolina nonprofits
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, and the National Museum of African American History and Culture
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. The company demonstrates strong local language support through a dedicated Spanish website
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, Spanish resources for its childhood cancer program
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, and a Spanish-language media tour
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. No cultural appropriation incidents have been reported. The company's business model, as an insurance provider, does not typically involve activities that would require Free, Prior and Informed Consent (FPIC) processes or directly impact cultural or heritage sites.
Safe & Smart Tech
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Aflac confirmed a data breach on June 12, 2025, which exposed the personal data of 22.65 million people, including full names, dates of birth, home addresses, government-issued identification numbers, Social Security numbers, driver’s license numbers, and medical and health insurance information.
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The intrusion was contained within hours.
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This incident represents an unauthorized data use incident and indicates significant implementation gaps in regulatory compliance, despite Aflac stating it meets security requirements set by the U.S. Department of Insurance, PCI DSS, and SOC 2 audits.
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The company's Global Chief Security Officer provides quarterly updates to the Board's Audit and Risk Committee on compliance with applicable laws and regulations, and policies are reviewed annually.
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Aflac has a global generative AI working group that oversees AI initiatives, conducts risk assessments, and ensures compliance with data protection regulations and data privacy guidelines, with educational opportunities provided across the organization, including for the board of directors.
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For vulnerability management, Aflac scans 50,000 IT assets weekly and reduced critical and high-severity vulnerabilities by over 55% in six months.
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The company remediated a critical Microsoft Exchange ProxyLogon vulnerability within 24 hours.
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Furthermore, Aflac requires annual information security and data privacy management training for all employees and contractors, which includes ongoing phishing exercises and privileged access training for executive accounts.
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Aflac is implementing multifactor authentication for remote access and has increased emphasis on identity access management.
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Zero Waste & Sustainable Products
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Aflac has implemented two waste reduction initiatives: installing an ORCA Green Machine that diverts approximately 60,000 pounds of food waste annually from landfills
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, and digitalizing operations in Japan, which reduces paper consumption by about 320 tons annually
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.