At the same time, Affleck US has continued its prudent approach to expense management and maintaining a strong pre-tax margin as Max will expand upon in a moment.

Aug 6, 2025 / receipt, needs a key / Dan Amos, CEO | earnings call 2025-08-06 | transcript 910330f9-b4f5-477f-8260-530ca3d17743 | chars 5086-5248 | segment 5

At the same time, Aflac US has maintained its prudent approach to expense management and maintaining a strong pre-tax margin, as Max will expand on in a moment.

May 1, 2025 / receipt, needs a key / Dan Amos, CEO | earnings call 2025-05-01 | transcript d711ddff-89a4-4ac1-a792-cd9e45b1a5b6 | chars 4640-4800 | segment 4

As we enter the fourth quarter and what tends to be our heaviest enrollment period, we will continue to focus on profitable growth, disciplined expense management, and optimizing our dental and vision platform.

Oct 31, 2024 / receipt, needs a key / Dan Amos, CEO | earnings call 2024-10-31 | transcript 2c02df6e-608d-40c2-be00-246d02df076e | chars 4514-4724 | segment 4

Additionally, we've increased benefits in certain policies to improve the value for the policyholder. We believe persistency will remain strong as customers realize the value of their policies and the related benefits. We have also continued our disciplined approach to expense management, which Max will address.

Aug 1, 2024 / receipt, needs a key / Dan Amos, CEO | earnings call 2024-08-01 | transcript 6f9695dc-f2fd-4a0e-9fe0-4ae40109ef88 | chars 5161-5474 | segment 5

Our expense ratio in Japan was 17.8%, down 170 basis points year-over-year, driven primarily by the expense allowance from reinsurance transactions and continued disciplined expense management.

Aug 1, 2024 / receipt, needs a key / Max Brodin, CFO | earnings call 2024-08-01 | transcript 6f9695dc-f2fd-4a0e-9fe0-4ae40109ef88 | chars 10621-10814 | segment 10

Our expense ratio in the U.S. was 36.9%, down 210 basis points year over year. primarily driven by platforms improving scale and strong expense management.

Aug 1, 2024 / receipt, needs a key / Max Brodin, CFO | earnings call 2024-08-01 | transcript 6f9695dc-f2fd-4a0e-9fe0-4ae40109ef88 | chars 11781-11936 | segment 12

I just recently returned from my trip to Japan this year. As you'll recall, I traveled to Japan in June and had a successful meeting with the management at Japan Post Holding, Japan Post Company, and Japan Post Insurance. This most recent trip in mid-October was geared toward connecting with our agencies, where I went to five different cities across Japan, and it was equally successful. As you know, we strive to be where consumers want to buy insurance, and this is accomplished through all the distribution channels, agencies, alliance partners, and banks. We continue to closely track how pandemic conditions are evolving, particularly because of its correlation with the opportunities for face-to-face sales, which is key to the recovery in sales. I arrived home from Japan excited by the energy at the agencies with whom I met and feel very good about our ability to sell new policies as we emerge from the pandemic.

Nov 1, 2022 / receipt, needs a key / Dan Amos, CEO | earnings call 2022-11-01 | transcript f18f55b3-b4a3-4708-a693-b381949b63d4 | chars 4420-5344 | segment 4

To give you an idea, before COVID, we would travel again around that 79% rate. It rose up into the 81% territory over the last couple years, and we believe that's largely related to the state mandates that require keeping policies in place. As those started to expire and have now largely expired, we've traveled back into normal persistency.

Aug 2, 2022 / receipt, needs a key / Ray, other | earnings call 2022-08-02 | transcript b296cdf6-b1b4-4a04-be32-02fbdbcfa250 | chars 22480-22822 | segment 22

On that note, as part of the ongoing collaboration and governance framework of the Strategic Alliance, I'm excited to be traveling to Japan toward the end of June to meet with Mr. Masuda Japan Post Holdings CEO, along with the president of Japan Post Postal, and insurance companies.

Apr 28, 2022 / receipt, needs a key / Dan Amos, CEO | earnings call 2022-04-28 | transcript 3c5375ae-6f9f-4d8a-af08-f510d839a98a | chars 4932-5215 | segment 5

Lower sales bonus, travel, and expenses associated with claims adjudication were a meaningful offset to the Argus consolidation and lowered earned premiums.

Jul 29, 2020 / receipt, needs a key / Teresa, other | earnings call 2020-07-29 | transcript 3c5487e3-157e-4c63-ae2e-19f82318028c | chars 25354-25510 | segment 25

Early on, we implemented travel restrictions shifted to working remotely and installed several social distancing measures, both in Japan and the United States.

Apr 30, 2020 / receipt, needs a key / Dan Amos, CEO | earnings call 2020-04-30 | transcript 448955c4-615d-4ed9-a0d1-2b62c477c398 | chars 4539-4698 | segment 4

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