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  <xs:element id="afl_A10YearSeniorNoteFacilityAgreementMember" abstract="true" name="A10YearSeniorNoteFacilityAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_A30YearSeniorNoteFacilityAgreementMember" abstract="true" name="A30YearSeniorNoteFacilityAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_NumberOfSeniorNoteFacilityAgreements" abstract="false" name="NumberOfSeniorNoteFacilityAgreements" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afl_StockholdersEquityNoteTable" abstract="true" name="StockholdersEquityNoteTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="afl_StockholdersEquityNoteLineItems" abstract="true" name="StockholdersEquityNoteLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afl_CommonStockIssuedRollForward" abstract="true" name="CommonStockIssuedRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afl_TreasuryStockIssuedRollForward" abstract="true" name="TreasuryStockIssuedRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afl_OtherAdditionsDuringPeriodShares" abstract="false" name="OtherAdditionsDuringPeriodShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afl_ShareRepurchaseProgramMember" abstract="true" name="ShareRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_PerformanceBasedVestingConditionMember" abstract="true" name="PerformanceBasedVestingConditionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_LongTermIncentivePlanMember" abstract="true" name="LongTermIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesThatMayBeAwardedOtherThanStockOptionsOrStockAppreciationRights" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesThatMayBeAwardedOtherThanStockOptionsOrStockAppreciationRights" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="afl_PercentageOfTargetAwardOpportunities" abstract="false" name="PercentageOfTargetAwardOpportunities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_TechnologyAndConsultingCompanyMainframeAndServerComputerOperationsAndSupportMember" abstract="true" name="TechnologyAndConsultingCompanyMainframeAndServerComputerOperationsAndSupportMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_CommitmentsAndContingenciesDisclosureLineItems" abstract="true" name="CommitmentsAndContingenciesDisclosureLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="afl_NumberOfIndividualsInvolvedInCybersecurityIncident" abstract="false" name="NumberOfIndividualsInvolvedInCybersecurityIncident" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afl_JapanNationalGovernmentMember" abstract="true" name="JapanNationalGovernmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
