+ Annual bonus + Company stock purchase opportunity
At least 60% of the work week must be in the New York office; the remaining time may be worked from home within the continental United States.
Aflac provides supplemental health and life insurance products to individuals and families, operating mainly in two regions: Aflac Japan and Aflac U.S. Its policies are designed to cover out-of-pocket costs from health events and income loss, including cancer, critical illness, accidents, hospital stays, and life events. These benefits are paid directly to policyholders to help manage medical expenses not fully covered by primary insurance. The products are distributed through a network of independent agents, brokers, and financial advisors, enabling a high-volume, low-premium model that supports a large, stable customer base and ongoing revenue. Japan is its largest market, and the company uses this broad distribution and scale to differentiate itself from competitors. The goal is to provide straightforward financial protection against unexpected health-related costs while expanding its presence in the U.S. and Japanese markets.
Company Size
10,001+
Company Stage
IPO
Headquarters
Columbus, Georgia
Founded
1955
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Health Insurance
Dental Insurance
Vision Insurance
401(k) Retirement Plan
401(k) Company Match
Unlimited Paid Time Off
Paid Holidays
Hybrid Work Options
Remote Work Options
On September 11, during Mad Money's lightning round, Jim Cramer described Aflac Incorporated as "not great, not bad," noting the stock isn't expensive but lacks significant growth potential. He said the company has limited downside risk at current levels. Aflac reported second-quarter net earnings of $825 million, up from $599 million the previous year. The company returned $1.3 billion to shareholders through $983 million in share repurchases and $309 million in dividends. However, total revenues declined to $4.1 billion, pressured by foreign exchange headwinds. Aflac Japan's adjusted revenues dropped 12.6% in dollar terms to $2.2 billion due to a weaker yen. According to Insider Monkey's database, 39 hedge funds held stakes in Aflac during the second quarter.
Japan Post Holdings has acquired approximately 63% of AFLAC Inc., purchasing around 50.6 million shares in a transaction valued at an estimated $5.8 billion. The Japanese entity is acting as trustee of a trust holding the stake. The acquisition gives Japan Post Holdings significant influence over AFLAC's corporate governance, including board appointments and strategic direction. AFLAC's share price rose modestly by 0.8% following the disclosure, closing at $117.50. The transaction was disclosed via Form 4 filing as of 10 September 2026. With AFLAC's market capitalisation standing at approximately $9.3 billion, the stake positions Japan Post Holdings amongst the insurer's largest shareholders. The cross-border ownership structure may attract regulatory scrutiny from both US and Japanese authorities. Institutional investors are advised to monitor the trust's proxy voting behaviour and governance decisions.
Aflac shares have underperformed the broader insurance sector, rising just 1.7% over the past three months compared to a 12.4% gain for the iShares U.S. Insurance ETF. The Columbus, Georgia-based supplemental insurance provider, valued at $61.7 billion, trades 10% below its July 52-week high of $130.22. The company's recent second-quarter results disappointed investors, with adjusted earnings of $1.75 missing expectations and revenue falling 1% year-over-year to $4.1 billion. Higher benefits and claims pressured profitability at Aflac U.S., whilst operations in Japan showed signs of slowing. Analysts have grown cautious about Aflac's growth prospects, questioning whether its core businesses can deliver sufficient expansion beyond share buybacks. The stock has dipped below its 50-day moving average, suggesting weakened near-term momentum despite holding above its 200-day average for most of the past year.
Aflac's second quarter results disappointed investors despite meeting Wall Street expectations, with revenue declining 6.9% year-on-year to $4.22 billion. The insurance giant attributed the sales drop largely to difficult comparisons following last year's launch of its Miraito cancer insurance product in Japan. Chief Executive Daniel Amos said new Japanese offerings like Tsumitasu and Anshin Palette generated solid growth. US sales grew modestly, supported by group voluntary products and network dental and vision offerings. During the earnings call, analysts pressed management on several key issues. Questions focused on the sustainability of asset repositioning efforts, appetite for larger acquisitions, sequential declines in Japanese medical sales, and the impact of inflation on policy lapse rates. Amos said Aflac remains open to strategic acquisitions but will maintain discipline, favouring smaller deals that fit operationally and financially.
Aflac reported second-quarter revenue of $4.22 billion, meeting Wall Street expectations but declining 6.9% year on year. Adjusted earnings per share of $1.75 also met analyst estimates. The supplemental insurance provider attributed the revenue decline to tough comparisons in Japan following last year's cancer insurance product launch and shifting consumer preferences. However, CEO Daniel Amos highlighted solid growth from new offerings including Tsumitasu and Anshin Palette. In the US, group voluntary products and network dental and vision sales showed strength, with dental and vision product sales rising 47%. The company maintained expense discipline despite inflationary pressures. Looking ahead, Aflac plans to focus on product innovation in Japan, continued US group product momentum, and enhanced capital management. Management emphasised its commitment to dividend growth and share repurchases.