98/ 100
Capital adequacy — cross-regime normalized
Very Strong
Reported under US RBC — normalized to a common 0–100 band so US, Canadian and European insurers compare like-for-like. Open methodology; see sourcing below.
Capital & Solvency
| Capital adequacy (normalized) | Very Strong (98/100) |
| RBC ratio | 650% |
| Statutory surplus | $8.5B |
| Total adjusted capital | $10.2B |
| Prism ratio (avail/target) | 4.81x |
| Regulatory action level | none |
Curated from public statutory filings (point-in-time). Live refresh pending.
Financial Strength Ratings
| AM BEST | A+ | Stable |
| SP | A+ | Stable |
| MOODYS | A3 | Stable |
| FITCH | A+ | Stable |
| Composite | AA | 81/100 |
Curated public rating actions, late-2024/2025.
Reinsurance & capital structurehow reserve risk is financed
Aflac cedes externally to Swiss Re Life & Health America, Inc., RGA Reinsurance Company, Continental American Insurance Company (CAIC) -> Aflac-Columbus. Its capital adequacy is Very Strong (98/100, RBC 650%).
Cedes externally to
Swiss Re Life & Health America, Inc.RGA Reinsurance CompanyContinental American Insurance Company (CAIC) -> Aflac-ColumbusSwiss Re / Munich Reinsurance -> Aflac-Columbus (via CAIC novation)
Affiliated captives from the Exhibit 21 entity list; external cedants from the firm's counterparty map; capital from public statutory/regulatory filings. Indicative.