Page 1

( Mark One ) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K 0 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Commission File Number : 001-07434 to Georgia ( State or other jurisdiction of incorporation or organization ) 1932 Wynnton Road ( Address of principal executive offices ) Title of each class Common Stock , $ .10 Par Value or Affac . Incorporated Aflac Incorporated ( Exact name of registrant as specified in its charter ) Large accelerated filer Non - accelerated filer Columbus Georgia 58-1167100 ( I.R.S. Employer Identification No. ) Registrant's telephone number , including area code : 706.323.3431 Securities registered pursuant to Section 12 ( b ) of the Act : Trading Symbols ( s ) . AFL Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Þ Yes No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes b No Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . p Yes No 31999 ( ZIP Code ) Name of each exchange on which registered New York Stock Exchange Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( Section 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . þ Yes No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Accelerated filer Smaller reporting company Emerging growth company No ☐ 0 If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . □ Yes The aggregate market value of the voting common stock held by non - affiliates of the registrant as of June 30 , 2020 , was $ 25,577,863,783 . The number of shares of the registrant's common stock outstanding at February 17 , 2021 , with $ .10 par value , was 688,587,083 . Documents Incorporated By Reference Certain information contained in the Notice and Proxy Statement for the Company's 2021 Annual Meeting of Shareholders is incorporated by reference into Part III hereof .