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>2750</noOfUnitsSold>
        <aggregateMarketValue>290895</aggregateMarketValue>
        <noOfUnitsOutstanding>540645028</noOfUnitsOutstanding>
        <approxSaleDate>05/15/2025</approxSaleDate>
        <securitiesExchangeName>NYSE</securitiesExchangeName>
      </securitiesInformation>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>05/01/2024</acquiredDate>
        <natureOfAcquisitionTransaction>Compensation</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>2401</amountOfSecuritiesAcquired>
        <paymentDate>05/01/2024</paymentDate>
        <natureOfPayment>NA</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>05/02/2023</acquiredDate>
        <natureOfAcquisitionTransaction>Compensation</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>349</amountOfSecuritiesAcquired>
        <paymentDate>05/02/2023</paymentDate>
        <natureOfPayment>NA</natureOfPayment>
      </securitiesToBeSold>
      <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
      <noticeSignature>
        <noticeDate>05/15/2025</noticeDate>
        <signature>/s/ J.P. Morgan Securities LLC as agent and attorney-in-fact for ARTHUR R. COLLINS</signature>
      </noticeSignature>
    </formData>
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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
  2750
  290895
  540645028
  05/15/2025
  NYSE
  Common
  05/01/2024
  Compensation
  Issuer
  N
  2401
  05/01/2024
  NA
  Common
  05/02/2023
  Compensation
  Issuer
  N
  349
  05/02/2023
  NA
  Y
  05/15/2025
  /s/ J.P. Morgan Securities LLC as agent and attorney-in-fact for ARTHUR R. COLLINS