content: <?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:com="http://www.sec.gov/edgar/common">
    <!-- Generated by Workiva -->
    <headerData>
      <submissionType>144</submissionType>
      <filerInfo>
        <filer>
          <filerCredentials>
            <cik>0001690867</cik>
            <ccc>XXXXXXXX</ccc>
          </filerCredentials>
        </filer>
        <liveTestFlag>LIVE</liveTestFlag>
  
  
  
      </filerInfo>
    </headerData>
    <formData>
      <issuerInfo>
        <issuerCik>0000004977</issuerCik>
        <issuerName>AFLAC INC.</issuerName>
        <secFileNumber>001-07434</secFileNumber>
        <issuerAddress>
          <com:street1>1932 WYNNTON RD</com:street1>
          <com:city>COLUMBUS</com:city>
          <com:stateOrCountry>GA</com:stateOrCountry>
          <com:zipCode>31999</com:zipCode>
        </issuerAddress>
        <issuerContactPhone>7063233431</issuerContactPhone>
        <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>ARTHUR REGINALD COLLINS</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
        <relationshipsToIssuer>
          <relationshipToIssuer>Board Member</relationshipToIssuer>
        </relationshipsToIssuer>
      </issuerInfo>
      <securitiesInformation>
        <securitiesClassTitle>Common Stock</securitiesClassTitle>
        <brokerOrMarketmakerDetails>
          <name>J.P. Morgan Securities LLC</name>
          <address>
            <com:street1>390 Madison Avenue</com:street1>
            <com:street2>6th Floor</com:street2>
            <com:city>New York</com:city>
            <com:stateOrCountry>NY</com:stateOrCountry>
            <com:zipCode>10017</com:zipCode>
          </address>
        </brokerOrMarketmakerDetails>
        <noOfUnitsSold>3000</noOfUnitsSold>
        <aggregateMarketValue>238740</aggregateMarketValue>
        <noOfUnitsOutstanding>584379889</noOfUnitsOutstanding>
        <approxSaleDate>02/22/2024</approxSaleDate>
        <securitiesExchangeName>NYSE</securitiesExchangeName>
      </securitiesInformation>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>05/02/2022</acquiredDate>
        <natureOfAcquisitionTransaction>Compensation</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>3000</amountOfSecuritiesAcquired>
        <paymentDate>05/02/2022</paymentDate>
        <natureOfPayment>NA</natureOfPayment>
      </securitiesToBeSold>
      <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
      <noticeSignature>
        <noticeDate>02/22/2024</noticeDate>
        <signature>/s/ J.P. Morgan Securities LLC as agent and attorney-in-fact for ARTHUR R. COLLINS</signature>
      </noticeSignature>
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text: 144
  0001690867
  XXXXXXXX
  LIVE
  0000004977
  AFLAC INC.
  001-07434
  1932 WYNNTON RD
  COLUMBUS
  GA
  31999
  7063233431
  ARTHUR REGINALD COLLINS
  Board Member
  Common Stock
  J.P. Morgan Securities LLC
  390 Madison Avenue
  6th Floor
  New York
  NY
  10017
  3000
  238740
  584379889
  02/22/2024
  NYSE
  Common
  05/02/2022
  Compensation
  Issuer
  N
  3000
  05/02/2022
  NA
  Y
  02/22/2024
  /s/ J.P. Morgan Securities LLC as agent and attorney-in-fact for ARTHUR R. COLLINS