Aflac Incorporated (NYSE:AFL) Q2 2024 Earnings Conference Call August 1, 2024 8:00 AM ET

Company Participants

David Young - VP of Investor and Rating Agency Relations
Dan Amos - Chairman and CEO and President
Max Broden - EVP and CFO
Virgil Miller - President, Aflac U.S.
Charles Lake - Chairman and Representative Director, President of Aflac International
Masatoshi Koide - President and Representative Director, Aflac Life Insurance Japan
Koichiro Yoshizumi - EVP, Director of Sales & Marketing Alliance Strategy
Brad Dyslin - Global Chief Investment Officer, President of Aflac Global Investments

Conference Call Participants

Joel Hurwitz - Dowling & Partners
Jimmy Bhullar - JPMorgan
John Barnidge - Piper Sandler
Tom Gallagher - Evercore ISI
Nick Annitto - Wells Fargo

Operator

Good day, and welcome to the Aflac Incorporated Second Quarter 2024 Earnings Conference Call. All participants will be in a listen only mode. [Operator Instructions] Please note this event is being recorded.

I would now like to turn the conference over to David Young, Vice President of Investor and Rating Agency Relations. Please go ahead.

David Young

Good morning, and welcome. Thank you for joining us for Aflac Incorporated Second quarter earnings call. While I have your attention I also want you to mark your calendars to join us for our Financial Analyst Briefing at the New York Stock Exchange on December 3^rd.

Now this morning, Dan Amos, Chairman, CEO and President of Aflac Incorporated will provide an overview of our results and operations in Japan and the United States. Then, Max Broden, Executive Vice-President and CFO of Aflac Incorporated will provide an update on our financial results and current capital and liquidity. These topics are also addressed in the materials we posted with our earnings release and financial supplement on investors.aflac.com, including Max's quarterly video updates which also includes information about the outlook for 2024. We also posted under Financials, on the same site, updated slides of investment details related to our commercial real-estate and middle-market loans.

For Q&A today, we are also joined by Virgil Miller, President of Aflac US.; Charles Lake, Chairman and Representative Director, President of Aflac International; Masatoshi Koide, President and Representative Director, Aflac Life Insurance Japan; and Brad Dyslin, Global Chief Investment Officer, President of Aflac Global Investments.

Before we begin, some statements in this teleconference are forward-looking within the meaning of federal securities laws. Although we believe these statements are reasonable, we can give no assurance that they will prove to be accurate because they are prospective in nature. Actual results could differ materially from those we discuss today. We encourage you to look at our annual report on Form 10-K for some of the various risk factors that could materially impact our results.