AFLAC Incorporated (AFL) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.176 Good day and welcome to the AFLAC Incorporated Third Quarter 2025 00:00:05.176 -- 00:00:10.621 Earnings Call. All participants will be in listen-only mode. 00:00:10.621 -- 00:00:14.465 Should you need assistance, please signal a conference specialist by pressing the star 00:00:14.465 -- 00:00:17.326 key followed by zero. 00:00:17.327 -- 00:00:22.112 After today's presentation, there will be an opportunity to ask questions. 00:00:22.112 -- 00:00:27.487 To ask a question, you may press star then one on your telephone keypad. 00:00:27.487 -- 00:00:31.611 To withdraw your question, please press star then two. 00:00:31.611 -- 00:00:35.034 Please note this event is being recorded. 00:00:35.034 -- 00:00:39.718 I would now like to turn the conference over to David Young, Vice President, Capital 00:00:39.718 -- 00:00:42.540 Markets. Please go ahead. 00:00:42.540 -- 00:00:47.825 Good morning and welcome. Thank you for joining us for Aflac Incorporated's third 00:00:47.825 -- 00:00:53.150 quarter 2025 earnings call. This morning, Dan Amos, 00:00:53.150 -- 00:00:58.256 Chairman, CEO of Aflac Incorporated, will provide an overview of our results 00:00:58.256 -- 00:01:02.460 and operations in Japan and the United States. 00:01:02.460 -- 00:01:07.926 Then Max Brodin, Senior Executive Vice President and CFO of Aflac Incorporated, 00:01:07.926 -- 00:01:12.751 will provide more detail on our financial results for the quarter, current capital and 00:01:12.751 -- 00:01:14.232 liquidity. 00:01:14.232 -- 00:01:18.837 These topics are also addressed in the materials we posted with our earnings release, 00:01:18.837 -- 00:01:24.160 financial supplement and quarterly CFO update on our investors.aflac.com. 00:01:25.123 -- 00:01:30.875 For Q&A today, We are ...