Aflac Japan's new annualized premium sales decreased from $1.97 billion to $1.71 billion in Q3 2024, indicating a slight slowdown in sales growth in its core market. However, the company noted that the new life insurance product, Tsumitasu, launched in June 2024, drove the sales.

Aflac U.S. new annualized premium sales increased from $359 million to $379 million in Q3 2024, indicating some success in growth initiatives in the U.S. market, particularly in group life, absence management and disability products, as well as cancer insurance.

Aflac Japan continues to promote digital and web-based sales to groups and use of its system that enables smart device-based insurance application, which indicates a focus on adapting to evolving customer preferences.

Total adjusted expenses decreased in both Aflac Japan and Aflac U.S. segments, indicating some success in management's efforts to control costs. This is particularly notable in Aflac U.S. where total adjusted expenses decreased despite the increase in total adjusted revenues.

The company continues to use foreign currency forwards and options to hedge currency risk, and interest rate swaps to mitigate interest rate risk, which demonstrates a proactive approach to managing financial risks.

The company repurchased 23.4 million shares of its common stock for $2.1 billion and increased cash dividends per share, demonstrating a commitment to returning value to shareholders.

The significant decrease in net investment gains and the shift to a net loss in Q3 2024 highlight the company's vulnerability to market conditions and investment performance.

The yen strengthening by 12.9% during the quarter significantly impacted reported earnings, highlighting the ongoing risk associated with foreign currency translation and the need for effective hedging strategies.

The company recognized a significant loss in other comprehensive income due to changes in discount rate assumptions, indicating a potential risk from changes in actuarial assumptions.

Aflac Japan continues to maintain a strong market presence, exceeding 22 million individual policies in force, indicating a stable market position despite slight decline in sales.

Aflac U.S. shows growth in new annualized premium sales driven by group life, absence management and disability products, as well as cancer insurance, indicating a strengthening competitive position in these segments.

Aflac Japan continues to promote digital and web-based sales to groups and use of its system that enables smart device-based insurance application, indicating a focus on adapting to evolving customer preferences.

Total adjusted expenses decreased in both Aflac Japan and Aflac U.S. segments, indicating some success in management's efforts to control costs.

The increase in total benefits and claims and total adjusted expenses in Corporate and other segment is primarily driven by higher reinsurance activity, indicating a need to monitor the efficiency of these transactions.

The company continues to focus on improving expense efficiency, as evidenced by the decrease in total adjusted expenses in Aflac U.S. despite the increase in total adjusted revenues.

Aflac Japan continues to promote digital and web-based sales to groups and use of its system that enables smart device-based insurance application, indicating a focus on leveraging technology for sales.

The company entered into an agreement with an information technology and data services company to provide cloud hosting services, indicating a focus on modernizing its technology infrastructure.

The company renewed an outsourcing agreement with a technology and consulting company that provides for mainframe computer operations, distributed mid-range server computer operations, and related support for Aflac Japan, indicating a focus on leveraging technology for operational efficiency.

The company repurchased 23.4 million shares of its common stock for $2.1 billion during the first nine months of 2024, demonstrating a continued commitment to returning capital to shareholders.

Cash dividends per share increased from $0.42 to $0.50 in Q3 2024, and from $1.26 to $1.50 for the nine-month period, indicating a positive move for shareholders despite the overall negative financial performance.

The company maintains a target minimum amount of cash and cash equivalents at the holding company to provide a capital buffer and liquidity support, indicating a focus on financial stability.

The company issued 1.125% senior sustainability notes due March 2026, indicating a commitment to sustainable financing.

The company's governance framework supporting liquidity, capital, and leverage includes global senior management and board committees that review and approve all significant capital related decisions, indicating a commitment to strong governance practices.

The company's commitment to ethical business practices is implied in its focus on providing financial protection to millions of policyholders and customers, and the company's stated goal to provide customers the best value in supplemental insurance products.

The yen strengthening by 12.9% during the quarter significantly impacted reported earnings, highlighting the company's vulnerability to foreign currency fluctuations.

The company acknowledges the impact of difficult conditions in global capital markets and the economy, including inflation, on its operations, which indicates an awareness of macroeconomic risks.

The company acknowledges the potential impact of changes in law or regulation by governmental authorities, indicating an awareness of regulatory risks.