Better Health for All
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Aflac's core business of supplemental health and life insurance products, including cancer, critical illness, hospital, and mental health coverage, provides financial protection during health events, contributing positively to health outcomes. The company has been a leading provider in the U.S. and Japan, offering the first cancer insurance in Japan in 1974.
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Aflac disclosed a data breach in June, affecting approximately 22.65 million people whose personal and health information was stolen, indicating poor health data protection.
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The company's philanthropic efforts include over $186 million in support for the Aflac Cancer and Blood Disorders Center and providing My Special Aflac Ducks to over 34,000 children with cancer and sickle cell disease.
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Aflac offers an Employee Assistance Program that includes support for substance abuse and mental health, and provides onsite and virtual behavioral health services for employees.
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The company supports cancer education in Japanese schools and has awarded Community CareGrants to organizations improving medical outcomes in under-resourced communities, totaling nearly $3 million since inception.
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Aflac also provides grants to support Child Life Specialist programs.
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Fair Money & Economic Opportunity
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Aflac offers insurance products, not consumer credit products, therefore there are no APR or fee structures to evaluate for pricing fairness or exploitative fee exposure. Aflac Global Investments committed and funded 19.8% ($374 million) of available investable cash in investments with social impact in 2024, with total sustainable AUM over $5.3 billion.
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In 2022, a sustainability bond allocated $73 million (18%) to Socioeconomic Advancement and Empowerment and $164 million (41%) to Communities, including $3.0 million in loans to Black-owned businesses, $8.2 million in deposits at Black-owned banks, and $6.3 million in capital to minority/female borrowers.
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Aflac invested $15 million in Capital Impact Partners.
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Aflac provides financial coaching and has a "Secure the Bag" financial literacy program in partnership with HBCU Heroes.
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Aflac also partnered with Columbus Technical College and 21st Century Leaders to bring specialized programs to local schools and launched the first Southwest Georgia Leadership Summit.
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However, Aflac's marketing alliance with BrightDime for financial services is not available to employees of Aflac accounts in ID, MD, MN, NM, NY, or PR, and BrightDime is not available to residents of ID, MN, or NM.
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Aflac Japan offers coverage with affordable premiums that is reasonable and easy to understand for nursing care insurance.
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Aflac Japan offers first sector life insurance policies that allow the policyholder to protect or build assets, and revised premium rates for its whole life insurance product WAYS and child endowment insurance to meet asset formation needs.
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WAYS can be converted to a fixed annuity, medical coverage, or nursing care benefits.
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Aflac delivered over $3.8 billion back to shareholders in 2023 and $3.9 billion in 2024 through dividends and share repurchases.
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Aflac U.S. has access to less than one-third of the U.S. workforce of approximately 161 million workers, with the majority of its U.S. business in the small business segment.
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Aflac Japan operates through a strategic partnership with Japan Post Group, offering cancer insurance through more than 20,000 postal outlets.
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Aflac explains how it collects, uses, and shares personal information on the Aflac Privacy Center.
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Aflac's policies, brochures, and promotional materials are described as straightforward, and Aflac Japan offers nursing care insurance with affordable premiums that is reasonable and easy to understand.
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Fair Pay & Worker Respect
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For Fiscal Year 2024, Aflac Inc.'s CEO-to-median employee pay ratio was 274:1, with the median employee compensation at $70,367.
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The company reports an employee engagement/satisfaction score of 83%.
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Aflac's total employee turnover rate is below 9%.
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However, sales associates and brokers in the U.S. are independent contractors, indicating a significant portion of the workforce is on insecure contracts.
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The company maintains medical and dental insurance, group life insurance, accidental death insurance, cancer insurance, and disability insurance programs for all employees,
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with approximately 99% of its workforce covered by comprehensive health and wellness benefits, including dependents and mental health services.
Fair Trade & Ethical Sourcing
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Aflac is an insurance company providing financial protection products, not involved in the procurement or trading of physical commodities. Therefore, KPIs related to fair-trade certifications, supplier audits for physical goods, forced/child labor incidents in upstream supply chains, traceability of physical goods, remediation speed for such issues, and materials risk index are not applicable to its business model. No quantitative data is provided for ethical clause coverage in supplier contracts or for supplier diversity spend.
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Honest & Fair Business
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Aflac incurred $140,000 in regulatory fines in 2025.
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The company has a 'Safe to Say' program with a 24/7 toll-free number and web-based confidential reporting mechanism, and a non-retaliation policy for good faith reports.
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100% of all required personnel completed Code of Business Conduct and Ethics training for the 2024 calendar year.
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90% of the Board is independent.
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Aflac's Code of Business Conduct and Ethics includes compliance with anti-corruption laws, such as the Foreign Corrupt Practices Act, and prohibits facilitation payments.
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The company has not sought independent verification for its sustainability report but internally validates data.
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Aflac U.S. completes an annual SSAE 18 SOC 2 examination with an independent external firm, and a third party provided limited assurance on 2023 GHG emissions for Scope 1, Scope 2, and eight Scope 3 categories, representing 100% of the calculated and disclosed Scope 3 emissions.
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Kind to Animals
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Aflac is a financial protection products company, and its core business model does not involve animal-derived products, animal testing, or animal agriculture. Therefore, most animal welfare KPIs are not applicable. While Aflac uses live ducks in promotional events, and concerns have been raised regarding the welfare of these animals and their suppliers, the provided articles do not offer specific, quantifiable data that maps to the defined thresholds for any of the animal welfare KPIs.
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No War, No Weapons
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The provided articles do not contain any specific, concrete data points or explicit statements regarding Aflac's involvement in arms manufacturing, military contracts, dual-use technologies, sales to embargoed regimes, peacebuilding investments, or any other activities related to the 'No War, No Weapons' ethical value. The company's core business is described as financial protection and supplemental health and life insurance.
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While Article 4 mentions the Dodd-Frank Act's conflict mineral disclosure requirements and Aflac's commitment to work with customers and suppliers to ensure minerals are not sourced from conflict zones, it explicitly states Aflac is a private company not subject to these requirements and provides no quantitative data on conflict mineral percentages or supply chain certification.
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Therefore, no KPIs can be scored based on the provided evidence.
Planet-Friendly Business
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Aflac's total Scope 1, 2 (market-based), and 3 greenhouse gas emissions for 2023 were 211,900 tCO₂e.
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While this is a relatively low footprint for a company that reports all scopes, there is no evidence of an annual decline for total emissions, and Scope 1 and 2 market-based emissions increased from 2022 to 2023.
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The company sources 100% of its electricity for owned and controlled facilities from renewables.
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Aflac has a 2050 net-zero emissions target for Scopes 1, 2, and 3 (including Category 15) and a 2040 carbon neutrality target for Scopes 1, 2, and 3 (excluding Category 15), but these targets are not explicitly stated as SBTi-validated.
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In 2023, the waste diversion rate was 77%.
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The company has one LEED Gold-certified building in the U.S., one LEED Platinum-certified building in Japan, and one DBJ Green Building 4-star certified building in Japan, which represents a small portion of its facilities.
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Aflac has fully adopted TCFD recommendations, with scenario analysis peer-reviewed.
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No environmental compliance violations were mentioned in the provided articles.
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Respect for Cultures & Communities
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Aflac has reported no cultural appropriation incidents.
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The company's business model, primarily providing insurance, does not inherently involve formal partnerships with indigenous or local community groups, and no such partnerships are explicitly detailed.
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Aflac provides grievance mechanisms in the U.S., including a 'Safe to Say' program with a 24/7 toll-free number and web-based reporting, but the coverage across all operational sites is not specified.
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The company offers a Spanish-language website (aflac.com/espanol) and a Spanish-language version of AflacChildhoodCancer.org, indicating some level of language inclusivity.
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All new employees and global teams, including the Board, are required to complete Code of Business Conduct and Ethics training, with 100% completion for required personnel in 2023.
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In 2022, Aflac spent approximately $41 million with diverse suppliers, but the proportion of procurement spending directed to local suppliers or the number of indigenous/minority-owned suppliers is not specified.
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Safe & Smart Tech
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Aflac experienced a significant data breach in June 2025, affecting approximately 26.5 million individuals, with personal information including Social Security numbers and health data compromised.
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The intrusion was identified on June 12, 2025, contained within hours, and publicly disclosed on June 20, 2025.
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Aflac offered 24 months of free credit monitoring and identity theft protection to affected individuals.
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The company reported the breach to the HHS’ Office for Civil Rights on August 8, 2025, and faced over 20 class action lawsuits, as well as a congressional inquiry.
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Aflac's AI strategy includes ethical considerations, prioritizing unbiased models, and maintaining transparency in customer-facing interactions.
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The company has implemented a continuous employee security awareness program with phishing exercises, noting observed differences and increased effectiveness, but specific completion rates are not provided.
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Aflac is improving authentication by implementing multifactor authentication for remote access and reduced client authentication effort by 65% using AI.
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The company cut critical and high-severity vulnerabilities by over 55% in six months, remediating a zero-day vulnerability within 24 hours.
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Aflac is working on information governance and data protection initiatives, but privacy considerations are often overridden by other priorities.
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The company has limited data minimization practices, with data collected 'just in case' it might be useful. Aflac meets security requirements for PCI DSS, SOC 2, and the U.S. Department of Insurance, but faces regulatory investigations and congressional inquiries following the data breach.
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The company prioritizes transparency in customer-facing AI interactions and offers credit monitoring services post-breach, but user control over data is basic with significant limitations.
Zero Waste & Sustainable Products
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Aflac reported a waste diversion rate of 77% in 2023.
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The company has implemented several waste reduction initiatives, including a paperless initiative in Aflac Japan aiming to reduce paper consumption by approximately 80 million pieces per year (320 tons) by June 2022, and programs for collecting, reusing, and recycling unwanted clothing.
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In 2023, Aflac U.S. and Aflac Japan together diverted over 768 metric tons of mixed paper, metals, plastic, and electronics from landfills and incineration.
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Aflac has not reported any waste disposal violations in the past three years.
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The company has set company-wide waste reduction targets, such as Aflac Japan's paperless initiative and a target to increase printed materials on Forest Stewardship Council-certified paper to 90% by 2025.
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Aflac's Supplier Code of Conduct requires suppliers to comply with environmental laws and implement best environmental practices with target reductions.
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Aflac Japan educates customers on proper disposal by encouraging electronic insurance policies instead of paper.
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Aflac Japan has a LEED Platinum-certified building, and Aflac U.S. has a LEED Gold-certified building.
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