27,865-share grant boosts Aflac (AFL) officer Charles D. Lake II holdings

Rhea-AI Filing Summary

Aflac executive Charles D. Lake II, Chairman & Rep. Director, ALIJ, acquired 27,865 shares of Aflac common stock on February 10, 2026 through a grant under the Aflac Incorporated Long-Term Incentive Plan (as amended and restated February 14, 2017).

The shares were granted at a stated price of $0 per share, bringing his directly held beneficial ownership to 77,827 common shares. He also beneficially owns 1,320 common shares indirectly through a 401(k) plan.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider LAKE CHARLES D II

Role Chairman & Rep. Director, ALIJ

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	27,865	$0.00	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 77,827 shares (Direct); Common Stock — 1,320 shares (Indirect, 401(K) Plan)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

LAKE CHARLES D II

(Last) (First) (Middle)

C/O AFLAC INCORPORATED

1932 WYNNTON ROAD

(Street)

COLUMBUS GA 31999

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
AFLAC INC [ AFL ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chairman & Rep. Director, ALIJ

3. Date of Earliest Transaction (Month/Day/Year)
02/10/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/10/2026		A		27,865(1)	A	$0	77,827	D
Common Stock								1,320	I	401(K) Plan

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Granted under the Aflac Incorporated Long-Term Incentive Plan (as Amended and Restated February 14, 2017).

Remarks:

	By: Brooke R. Phillips For: Charles Ditmars Lake II	02/12/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did AFL's Charles D. Lake II report on February 10, 2026?

Charles D. Lake II reported receiving a grant of 27,865 Aflac common shares. The shares were awarded on February 10, 2026 under Aflac’s Long-Term Incentive Plan at a stated price of $0 per share, increasing his directly held beneficial ownership.

How many AFL shares does Charles D. Lake II beneficially own after this Form 4 filing?

After the reported grant, Charles D. Lake II beneficially owns 77,827 Aflac shares directly. In addition, he beneficially owns 1,320 Aflac common shares indirectly through a 401(k) plan, as disclosed in the filing’s ownership table.

Was the AFL stock reported by Charles D. Lake II a grant or an open-market purchase?

The 27,865 AFL shares were reported as a grant or award, not a market purchase. The transaction used code "A" for grant, award, or other acquisition, with a stated price of $0 per share under Aflac’s Long-Term Incentive Plan.

Under what plan were the 27,865 AFL shares granted to Charles D. Lake II?

The 27,865 Aflac shares were granted under the Aflac Incorporated Long-Term Incentive Plan. The filing notes this plan was amended and restated on February 14, 2017, and it served as the source of the reported equity award.

What roles does Charles D. Lake II hold in relation to AFLAC INC (AFL)?

Charles D. Lake II is reported as an officer of Aflac Inc. His title is disclosed as "Chairman & Rep. Director, ALIJ" in the filing, and he filed the Form 4 as a single reporting person with officer status checked.

How is Charles D. Lake II’s indirect ownership in AFL shares structured?

Charles D. Lake II’s indirect ownership consists of 1,320 AFL common shares in a 401(k) plan. The filing lists these shares as indirectly held, coded "I" for indirect ownership, with the nature of ownership specified as a 401(k) Plan.