<?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>3000</noOfUnitsSold>
      <aggregateMarketValue>238740</aggregateMarketValue>
      <noOfUnitsOutstanding>584379889</noOfUnitsOutstanding>
      <approxSaleDate>02/22/2024</approxSaleDate>
      <securitiesExchangeName>NYSE</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>05/02/2022</acquiredDate>
      <natureOfAcquisitionTransaction>Compensation</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>3000</amountOfSecuritiesAcquired>
      <paymentDate>05/02/2022</paymentDate>
      <natureOfPayment>NA</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>02/22/2024</noticeDate>
      <signature>/s/ J.P. Morgan Securities LLC as agent and attorney-in-fact for ARTHUR R. COLLINS</signature>
    </noticeSignature>
  </formData>
</edgarSubmission>
