AFL Form 4: Director Joseph Moskowitz Disposes 500 Shares (08/18/2025)

Joseph L. Moskowitz, a director of Aflac Inc. (AFL), reported a change in beneficial ownership on 08/18/2025.

Rhea-AI Filing Summary

Joseph L. Moskowitz, a director of Aflac Inc. (AFL), reported a change in beneficial ownership on 08/18/2025. The filing shows 500 shares disposed (D) of Aflac common stock under transaction code G at a recorded price of $0, leaving 24,605 shares beneficially owned directly after the transaction. The Form 4 was signed on 08/20/2025.

Insights

Financial Analyst

TL;DR: Director reported a 500-share disposition recorded at $0, reducing direct holdings to 24,605 shares; routine disclosure with limited market impact.

The Form 4 discloses a small-scale disposition by a director that reduces direct ownership modestly to 24,605 shares. The transaction is coded G and shows a price of $0, indicating the reported consideration was zero; the filing contains no additional context, such as purpose or related-party details. Given the size relative to typical institutional or company equity, this is unlikely to be material to AFL's capital structure or operations.

Corporate Governance Expert

TL;DR: Proper Section 16 disclosure filed; transaction appears routine and complies with reporting requirements as filed on 08/20/2025.

The report identifies Joseph L. Moskowitz as a director and indicates the Form was filed by one reporting person. The entry includes transaction code G, a zero price, and the post-transaction direct ownership figure. The filing includes the required signature block. The document provides no allegations, exemptions, or procedural notes beyond the standard Form 4 content.

Insider Trade Summary

500 shares gifted

Gift 1 txn

Insider MOSKOWITZ JOSEPH L

Role Director

Type	Security	Shares	Price	Value
Gift	Common Stock	500	$0.00	$0.00

Holdings After Transaction: Common Stock — 24,605 shares (Direct)

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What change in ownership did Joseph L. Moskowitz report on AFL Form 4?

The filing reports a disposition of 500 shares of Aflac common stock on 08/18/2025, leaving 24,605 shares owned directly.

What transaction code and price are listed for the reported AFL transaction?

The transaction is recorded with code G and a price of $0 in the Form 4.

When was the Form 4 signed and filed for the AFL insider transaction?

The signature block shows the Form 4 was signed on 08/20/2025 by Brooke R. Phillips on behalf of Joseph L. Moskowitz.

What is Joseph L. Moskowitz's relationship to Aflac as reported on the Form 4?

He is reported as a Director of Aflac Inc. on the Form 4.

Was the Form 4 filed by multiple reporting persons for AFL?

No. The filing indicates Form filed by One Reporting Person was selected.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 08/20/2025 - 04:58 PM Learn about SEC filing dates

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^*

MOSKOWITZ JOSEPH L

(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)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/18/2025

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	08/18/2025		G		500	D	$0	24,605	D

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:

Remarks:

	By: Brooke R. Phillips For: Joseph L. Moskowitz	08/20/2025
	** 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.