{
 "as_of": "2026-11-08",
 "cmr": "us-cm-kg/NYSE/AFL",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# AFLAC INC (NYSE: AFL) — research page\n\nAs of 2026-11-08 · us-cm-kg · record version 1\n\n## Identity and listing\n\nThe issuer is AFLAC INC, listed on the NYSE under ticker AFL, with ISIN US0010551028 and LEI 549300N0B7DOGLXWPP39. Its security type is Corporate and its sector is 6321 Accident & Health Insurance. Its jurisdiction is United States, Georgia. The segment is not on the record. Its listing status is listed, not halted.\n\n## The disclosure read\n\nThe record holds 217 filings in the twelve months to 2026-11-08, across 143 filing days. The median gap between filing days is 1.0 days. The latest filing is dated 2026-11-05 and is of type regulatory_filing, 3 days before the record date. The NYSE median cadence gap is 6.0 days across 3256 issuers, and the NYSE median latency is 4.0 days. The sector median cadence gap is 4 days across 7 issuers, and the sector median latency is 3 days.\n\n## Auditor\n\nThe auditor is not on the record, because the latest annual report cover carries no dei:AuditorName tag. The auditor's location is not on the record. The record holds no auditor changes.\n\n## Events and halts\n\nThe record holds no listing, delisting or name change events. The domicile change is not on the record, because EDGAR states no dated change of state of incorporation on a filing line. The segment move is not on the record, because the exchanges' tier transfers are not EDGAR filings. The issuer is listed and not halted.\n\n## Orderability\n\nThe outcome is not determinable, because the chapter's orderability section carries no client categories and so the outcome cannot name its client category. The rule version is acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, and the chapter is as of 2026-11-04.\n\n## Coverage\n\nThe issuer's own investor-relations page names 13 research houses: Citi, Dowling & Partners, Evercore ISI, Goldman Sachs, Jefferies, J.P. Morgan, Keefe, Bruyette & Woods, Inc., Morgan Stanley, Piper Sandler, Raymond James, Truist Securities, UBS and Wells Fargo.\n\n## Open research\n\nNo openly published research notes were found on the record.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe sealed years that hold the issuer are 2021, 2022, 2023, 2024, 2025 and 2026. The market's earliest sealed date is 2021-01-04. The live record began on 2026-09-12.\n\n## Sources\n\n9 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://www.sec.gov/files/company_tickers_exchange.json (identity.exchange)\n- https://www.sec.gov/data-research/sec-markets-data/fails-deliver-data (identity.isin)\n- https://data.sec.gov/submissions/CIK0000004977.json (identity.jurisdiction)\n- https://mapping.gleif.org/api/v2/isin-lei/latest/download (identity.lei)\n- https://mcp.us-cm-kg.ai/events/NYSE/AFL (the disclosure lines)\n- https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts (the halt flag)\n- https://mcp.us-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://investors.aflac.com/stock/analyst-coverage/default.aspx (coverage)\n- https://mcp.us-cm-kg.ai/record/NYSE/AFL (the record)\n",
 "market": "US",
 "node": "us-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ],
   "live_record_began": "2026-09-12",
   "node_history_from": "2021-01-04",
   "node_years_sealed": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ],
   "record_version": 1,
   "sealed": true
  },
  "auditor": {
   "auditor": {
    "market": "US",
    "reason": "no dei:AuditorName tag on the latest annual report cover (foreign private issuers and older filings carry none)",
    "state": "not_on_record"
   },
   "auditor_firm_id": {
    "market": "US",
    "state": "not_on_record"
   },
   "auditor_location": {
    "market": "US",
    "state": "not_on_record"
   },
   "changes": []
  },
  "cmr": "us-cm-kg/NYSE/AFL",
  "coverage": {
   "count": 13,
   "houses": [
    {
     "house": "Citi",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Dowling & Partners",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Evercore ISI",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Goldman Sachs",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Jefferies",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "J.P. Morgan",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Keefe, Bruyette & Woods, Inc.",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Morgan Stanley",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Piper Sandler",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Raymond James",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Truist Securities",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "UBS",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    },
    {
     "house": "Wells Fargo",
     "read_by": "issuer IR page, fetched by this rail; each house name read on the page",
     "read_date": "2026-11-11",
     "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "state": "sourced"
    }
   ],
   "pages_checked": [
    {
     "page": "https://investors.aflac.com/stock/analyst-coverage/default.aspx",
     "result": "read: 13 of 28 named houses found on the page"
    }
   ],
   "read_by": "Perplexity sonar (search) · page read by this rail",
   "read_date": "2026-11-11",
   "since": "not stated on the page read",
   "state": "found"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 3256,
     "median_cadence_gap_days": 6,
     "median_filings": 64,
     "median_latency_days": 4,
     "name": "NYSE"
    },
    "sector": {
     "issuers": 7,
     "median_cadence_gap_days": 4,
     "median_filings": 112,
     "median_latency_days": 3,
     "name": "6321 Accident & Health Insurance"
    }
   },
   "by_type": {
    "agm_egm": 3,
    "corporate_news": 3,
    "directors_dealings": 155,
    "prospectus": 6,
    "regulatory_filing": 42,
    "results": 8
   },
   "cadence_median_gap_days": 1,
   "filing_days": 143,
   "filings": 217,
   "latency_days": 3,
   "latest": [
    {
     "category": "13F-HR",
     "date": "2026-11-05",
     "source": "https://www.sec.gov/Archives/edgar/data/4977/000162828026070795/xslForm13F_X02/primary_doc.xml",
     "title": "13F-HR",
     "type": "regulatory_filing"
    },
    {
     "category": "10-Q",
     "date": "2026-11-05",
     "source": "https://www.sec.gov/Archives/edgar/data/4977/000162828026070776/afl-20260930.htm",
     "title": "10-Q — 10-Q",
     "type": "results"
    },
    {
     "category": "8-K",
     "date": "2026-11-04",
     "source": "https://www.sec.gov/Archives/edgar/data/4977/000162828026070181/afl-20261104.htm",
     "title": "8-K — 8-K (items 2.02,7.01,9.01)",
     "type": "results"
    },
    {
     "category": "4",
     "date": "2026-10-19",
     "source": "https://www.sec.gov/Archives/edgar/data/4977/000110465926116752/xslF345X06/tm2626872-11_4seq1.xml",
     "title": "4 — OWNERSHIP DOCUMENT",
     "type": "directors_dealings"
    },
    {
     "category": "4",
     "date": "2026-10-16",
     "source": "https://www.sec.gov/Archives/edgar/data/4977/000110465926116445/xslF345X06/tm2626872-10_4seq1.xml",
     "title": "4 — OWNERSHIP DOCUMENT",
     "type": "directors_dealings"
    }
   ],
   "latest_filing_date": "2026-11-05",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.us-cm-kg.ai/events/NYSE/AFL",
   "window": {
    "from": "2025-11-08",
    "to": "2026-11-08"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "EDGAR company_tickers_exchange.json (SEC list of exchange-listed filers)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/files/company_tickers_exchange.json",
    "state": "sourced",
    "value": "NYSE"
   },
   "isin": {
    "read_by": "SEC Fails-to-Deliver data (CUSIP for the symbol) · ISIN = US + CUSIP + ISO 6166 check digit",
    "read_date": "2026-10-09",
    "read_date_basis": "last_seen",
    "source": "https://www.sec.gov/data-research/sec-markets-data/fails-deliver-data",
    "state": "sourced",
    "value": "US0010551028"
   },
   "jurisdiction": {
    "read_by": "EDGAR submissions API (issuer header as filed) (stateOfIncorporation)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0000004977.json",
    "state": "sourced",
    "value": "United States — Georgia"
   },
   "lei": {
    "read_by": "GLEIF ISIN-to-LEI mapping file (daily), LEI by exact ISIN",
    "read_date": "2026-11-08",
    "read_date_basis": "the field",
    "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download (ISIN US0010551028)",
    "state": "sourced",
    "value": "549300N0B7DOGLXWPP39"
   },
   "name": {
    "read_by": "EDGAR submissions API (issuer header as filed)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0000004977.json",
    "state": "sourced",
    "value": "AFLAC INC"
   },
   "sector": {
    "read_by": "EDGAR submissions API (issuer header as filed) (SIC code as assigned by the SEC)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0000004977.json",
    "state": "sourced",
    "value": "6321 Accident & Health Insurance"
   },
   "security_type": {
    "read_by": "EDGAR submissions API (issuer header as filed)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0000004977.json",
    "state": "sourced",
    "value": "Corporate"
   },
   "segment": {
    "market": "US",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "EDGAR company_tickers_exchange.json (SEC list of exchange-listed filers)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/files/company_tickers_exchange.json",
    "state": "sourced",
    "value": "AFL"
   },
   "website": {
    "market": "US",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
    "licensor",
    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": [],
   "domicile_change": {
    "market": "US",
    "reason": "EDGAR states no dated change of state of incorporation on a filing line",
    "state": "not_on_record"
   },
   "listing": [],
   "name_change": [],
   "segment_move": {
    "market": "US",
    "reason": "the exchanges' tier transfers are not EDGAR filings",
    "state": "not_on_record"
   }
  },
  "market": "US",
  "node": "us-cm-kg",
  "numbers_hash": "sha256:4a8907358706fd5a205a594e20782d0a23d26d5a4051303d85d24cd4c07a70bc",
  "open_research": {
   "read_date": "2026-11-11",
   "rows": [],
   "state": "none_found"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [],
   "determinable": false,
   "read": {
    "chapter": "https://mcp.us-cm-kg.ai/book/aio.json",
    "door": "https://mcp.us-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "reason": "the chapter's orderability section carries no client_categories: the outcome cannot name its client category",
   "rule_version": "acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1",
   "section": "us.aio.v8"
  },
  "record": {
   "as_of": "2026-11-08",
   "url": "https://mcp.us-cm-kg.ai/record/NYSE/AFL",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-08",
   "source": "https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:4a8907358706fd5a205a594e20782d0a23d26d5a4051303d85d24cd4c07a70bc",
 "path": "/us/NYSE/AFL",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "The issuer is AFLAC INC, listed on the NYSE under ticker AFL, with ISIN US0010551028 and LEI 549300N0B7DOGLXWPP39. Its security type is Corporate and its sector is 6321 Accident & Health Insurance. Its jurisdiction is United States, Georgia. The segment is not on the record. Its listing status is listed, not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 217 filings in the twelve months to 2026-11-08, across 143 filing days. The median gap between filing days is 1.0 days. The latest filing is dated 2026-11-05 and is of type regulatory_filing, 3 days before the record date. The NYSE median cadence gap is 6.0 days across 3256 issuers, and the NYSE median latency is 4.0 days. The sector median cadence gap is 4 days across 7 issuers, and the sector median latency is 3 days.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor is not on the record, because the latest annual report cover carries no dei:AuditorName tag. The auditor's location is not on the record. The record holds no auditor changes.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "The record holds no listing, delisting or name change events. The domicile change is not on the record, because EDGAR states no dated change of state of incorporation on a filing line. The segment move is not on the record, because the exchanges' tier transfers are not EDGAR filings. The issuer is listed and not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "The outcome is not determinable, because the chapter's orderability section carries no client categories and so the outcome cannot name its client category. The rule version is acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, and the chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "The issuer's own investor-relations page names 13 research houses: Citi, Dowling & Partners, Evercore ISI, Goldman Sachs, Jefferies, J.P. Morgan, Keefe, Bruyette & Woods, Inc., Morgan Stanley, Piper Sandler, Raymond James, Truist Securities, UBS and Wells Fargo.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "No openly published research notes were found on the record.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The sealed years that hold the issuer are 2021, 2022, 2023, 2024, 2025 and 2026. The market's earliest sealed date is 2021-01-04. The live record began on 2026-09-12.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "9 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://www.sec.gov/files/company_tickers_exchange.json"
  },
  {
   "for": "identity.isin",
   "source": "https://www.sec.gov/data-research/sec-markets-data/fails-deliver-data"
  },
  {
   "for": "identity.jurisdiction",
   "source": "https://data.sec.gov/submissions/CIK0000004977.json"
  },
  {
   "for": "identity.lei",
   "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.us-cm-kg.ai/events/NYSE/AFL"
  },
  {
   "for": "the halt flag",
   "source": "https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts"
  },
  {
   "for": "the orderability chapter",
   "source": "https://mcp.us-cm-kg.ai/book/aio.json"
  },
  {
   "for": "coverage",
   "source": "https://investors.aflac.com/stock/analyst-coverage/default.aspx"
  },
  {
   "for": "the record",
   "source": "https://mcp.us-cm-kg.ai/record/NYSE/AFL"
  }
 ],
 "title": "AFLAC INC (AFL) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}