<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e4c1e-f8fe-7894-b8cf-33dea00ab50f,g:79519cbb-4891-4d59-9efa-afff2630c33a-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:afl="http://www.aflac.com/20251231" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.aflac.com/20251231">
  <xs:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap-ebp/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/ebp/elts/us-gaap-ebp-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="afl-20251231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="afl-20251231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="afl-20251231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="afl-20251231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="DocumentandEntityInformation" roleURI="http://www.aflac.com/role/DocumentandEntityInformation">
        <link:definition>0000001 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlanStatementofNetAssetAvailableforBenefit" roleURI="http://www.aflac.com/role/EmployeeBenefitPlanStatementofNetAssetAvailableforBenefit">
        <link:definition>0000002 - Statement - Employee Benefit Plan, Statement of Net Asset Available for Benefit</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitPlanStatementofChangeinNetAssetAvailableforBenefit" roleURI="http://www.aflac.com/role/EmployeeBenefitPlanStatementofChangeinNetAssetAvailableforBenefit">
        <link:definition>0000003 - Statement - Employee Benefit Plan, Statement of Change in Net Asset Available for Benefit</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DESCRIPTIONOFTHEPLAN" roleURI="http://www.aflac.com/role/DESCRIPTIONOFTHEPLAN">
        <link:definition>0000004 - Disclosure - DESCRIPTION OF THE PLAN</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SUMMARYOFACCOUNTINGPOLICIES" roleURI="http://www.aflac.com/role/SUMMARYOFACCOUNTINGPOLICIES">
        <link:definition>0000005 - Disclosure - SUMMARY OF ACCOUNTING POLICIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FEDERALINCOMETAXES" roleURI="http://www.aflac.com/role/FEDERALINCOMETAXES">
        <link:definition>0000006 - Disclosure - FEDERAL INCOME TAXES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PLANTERMINATION" roleURI="http://www.aflac.com/role/PLANTERMINATION">
        <link:definition>0000007 - Disclosure - PLAN TERMINATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTS" roleURI="http://www.aflac.com/role/FAIRVALUEMEASUREMENTS">
        <link:definition>0000008 - Disclosure - FAIR VALUE MEASUREMENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RECONCILIATIONOFFINANCIALSTATEMENTSTOFORM5500" roleURI="http://www.aflac.com/role/RECONCILIATIONOFFINANCIALSTATEMENTSTOFORM5500">
        <link:definition>0000009 - Disclosure - RECONCILIATION OF FINANCIAL STATEMENTS TO FORM 5500</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SUBSEQUENTEVENTS" roleURI="http://www.aflac.com/role/SUBSEQUENTEVENTS">
        <link:definition>0000010 - Disclosure - SUBSEQUENT EVENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEHSCHEDULEOFASSETS" roleURI="http://www.aflac.com/role/SCHEDULEHSCHEDULEOFASSETS">
        <link:definition>0000011 - Disclosure - SCHEDULE H - SCHEDULE OF ASSETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SUMMARYOFACCOUNTINGPOLICIESPolicies" roleURI="http://www.aflac.com/role/SUMMARYOFACCOUNTINGPOLICIESPolicies">
        <link:definition>0000012 - Disclosure - SUMMARY OF ACCOUNTING POLICIES (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DESCRIPTIONOFTHEPLANTables" roleURI="http://www.aflac.com/role/DESCRIPTIONOFTHEPLANTables">
        <link:definition>0000013 - Disclosure - DESCRIPTION OF THE PLAN (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSTables" roleURI="http://www.aflac.com/role/FAIRVALUEMEASUREMENTSTables">
        <link:definition>0000014 - Disclosure - FAIR VALUE MEASUREMENTS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RECONCILIATIONOFFINANCIALSTATEMENTSTOFORM5500Tables" roleURI="http://www.aflac.com/role/RECONCILIATIONOFFINANCIALSTATEMENTSTOFORM5500Tables">
        <link:definition>0000015 - Disclosure - RECONCILIATION OF FINANCIAL STATEMENTS TO FORM 5500 (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DESCRIPTIONOFTHEPLANScheduleofVestingPercentageDetails" roleURI="http://www.aflac.com/role/DESCRIPTIONOFTHEPLANScheduleofVestingPercentageDetails">
        <link:definition>0000016 - Disclosure - DESCRIPTION OF THE PLAN - Schedule of Vesting Percentage (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DESCRIPTIONOFTHEPLANScheduleofPartiesinInterestTransactionsDetails" roleURI="http://www.aflac.com/role/DESCRIPTIONOFTHEPLANScheduleofPartiesinInterestTransactionsDetails">
        <link:definition>0000017 - Disclosure - DESCRIPTION OF THE PLAN - Schedule of Parties-in-Interest Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DESCRIPTIONOFTHEPLANAdditionalInformationDetails" roleURI="http://www.aflac.com/role/DESCRIPTIONOFTHEPLANAdditionalInformationDetails">
        <link:definition>0000018 - Disclosure - DESCRIPTION OF THE PLAN - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PLANTERMINATIONAdditionalInformationDetails" roleURI="http://www.aflac.com/role/PLANTERMINATIONAdditionalInformationDetails">
        <link:definition>0000019 - Disclosure - PLAN TERMINATION - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSScheduleofEBPInvestmentFairValueandNAVDetails" roleURI="http://www.aflac.com/role/FAIRVALUEMEASUREMENTSScheduleofEBPInvestmentFairValueandNAVDetails">
        <link:definition>0000020 - Disclosure - FAIR VALUE MEASUREMENTS - Schedule of EBP, Investment, Fair Value and NAV (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RECONCILIATIONOFFINANCIALSTATEMENTSTOFORM5500EBPReconciliationofNetAssetstoForm5500Details" roleURI="http://www.aflac.com/role/RECONCILIATIONOFFINANCIALSTATEMENTSTOFORM5500EBPReconciliationofNetAssetstoForm5500Details">
        <link:definition>0000021 - Disclosure - RECONCILIATION OF FINANCIAL STATEMENTS TO FORM 5500 - EBP, Reconciliation of Net Assets to Form 5500 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RECONCILIATIONOFFINANCIALSTATEMENTSTOFORM5500EBPReconciliationofChangesinNetAssetstoForm5500Details" roleURI="http://www.aflac.com/role/RECONCILIATIONOFFINANCIALSTATEMENTSTOFORM5500EBPReconciliationofChangesinNetAssetstoForm5500Details">
        <link:definition>0000022 - Disclosure - RECONCILIATION OF FINANCIAL STATEMENTS TO FORM 5500 - EBP, Reconciliation of Changes in Net Assets to Form 5500 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SUBSEQUENTEVENTSDetails" roleURI="http://www.aflac.com/role/SUBSEQUENTEVENTSDetails">
        <link:definition>0000023 - Disclosure - SUBSEQUENT EVENTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEHSCHEDULEOFASSETSDetails" roleURI="http://www.aflac.com/role/SCHEDULEHSCHEDULEOFASSETSDetails">
        <link:definition>0000024 - Disclosure - SCHEDULE H - SCHEDULE OF ASSETS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SCHEDULEHSCHEDULEOFASSETSDetails_1" roleURI="http://www.aflac.com/role/SCHEDULEHSCHEDULEOFASSETSDetails_1">
        <link:definition>0000024 - Disclosure - SCHEDULE H - SCHEDULE OF ASSETS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="afl_EBP004Member" abstract="true" name="EBP004Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_EBPChangeInNetAssetAvailableForBenefitIncreaseFromAdministrativeCredit" abstract="false" name="EBPChangeInNetAssetAvailableForBenefitIncreaseFromAdministrativeCredit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afl_EBPOtherReceivablesPolicyTextBlock" abstract="false" name="EBPOtherReceivablesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="afl_EmployeeBenefitPlanVestingScheduleTableTextBlock" abstract="false" name="EmployeeBenefitPlanVestingScheduleTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="afl_EBPReconciliationOfNetAssetsAvailableForPlanBenefitsToForm5500TableTextBlock" abstract="false" name="EBPReconciliationOfNetAssetsAvailableForPlanBenefitsToForm5500TableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="afl_EBPReconciliationOfChangesInNetAssetsAvailableForPlanBenefitsToForm5500TableTextBlock" abstract="false" name="EBPReconciliationOfChangesInNetAssetsAvailableForPlanBenefitsToForm5500TableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="afl_EBPEmployerContributionVestingPercentageYearsOfServiceLessThanOneYear" abstract="false" name="EBPEmployerContributionVestingPercentageYearsOfServiceLessThanOneYear" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="afl_EBPVestingPercentageYearsOfServiceOneYear" abstract="false" name="EBPVestingPercentageYearsOfServiceOneYear" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPVestingPercentageYearsOfServiceTwoYears" abstract="false" name="EBPVestingPercentageYearsOfServiceTwoYears" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPVestingPercentageYearsOfServiceThreeYears" abstract="false" name="EBPVestingPercentageYearsOfServiceThreeYears" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPVestingPercentageYearsOfServiceFourYears" abstract="false" name="EBPVestingPercentageYearsOfServiceFourYears" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPVestingPercentageYearsOfServiceFiveYearsOrMore" abstract="false" name="EBPVestingPercentageYearsOfServiceFiveYearsOrMore" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_FidelityBalancedFundMember" abstract="true" name="FidelityBalancedFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_FidelityTotalBondFundMember" abstract="true" name="FidelityTotalBondFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_FidelityU.S.BondIndexFundMember" abstract="true" name="FidelityU.S.BondIndexFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_FidelityStockSelectorSmallCapFundMember" abstract="true" name="FidelityStockSelectorSmallCapFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_AflacIncorporatedCommonStockMember" abstract="true" name="AflacIncorporatedCommonStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_FidelityMember" abstract="true" name="FidelityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_EBPAggregateParticipantContributionLimitPrescribedByIRSForParticipantsUnderAge50" abstract="false" name="EBPAggregateParticipantContributionLimitPrescribedByIRSForParticipantsUnderAge50" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afl_EBPAggregateParticipantContributionLimitPrescribedByIRSForParticipantsAge5059Or64AndOver" abstract="false" name="EBPAggregateParticipantContributionLimitPrescribedByIRSForParticipantsAge5059Or64AndOver" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afl_EBPAggregateParticipantContributionLimitPrescribedByIRSForParticipantsAge6063" abstract="false" name="EBPAggregateParticipantContributionLimitPrescribedByIRSForParticipantsAge6063" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afl_EBPParticipantContributionAutomaticDeferralRateAnnualIncrease" abstract="false" name="EBPParticipantContributionAutomaticDeferralRateAnnualIncrease" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPParticipantContributionAutomaticDeferralRateAnnualIncreaseMaximum" abstract="false" name="EBPParticipantContributionAutomaticDeferralRateAnnualIncreaseMaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPEmployerContributionParticipantCompensationMatchedNonelectivePercentage" abstract="false" name="EBPEmployerContributionParticipantCompensationMatchedNonelectivePercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPParticipantContributionVestingPercentage" abstract="false" name="EBPParticipantContributionVestingPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPNoteReceivableFromParticipantAccountMaturityPeriodForGeneralPurposeLoans" abstract="false" name="EBPNoteReceivableFromParticipantAccountMaturityPeriodForGeneralPurposeLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afl_EBPNoteReceivableFromParticipantAccountMaturityPeriodForLoansMadeToPurchasePrincipalResidence" abstract="false" name="EBPNoteReceivableFromParticipantAccountMaturityPeriodForLoansMadeToPurchasePrincipalResidence" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afl_EBPNoteReceivableFromParticipantAccountAdditionalInterest" abstract="false" name="EBPNoteReceivableFromParticipantAccountAdditionalInterest" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPDividendsReceived" abstract="false" name="EBPDividendsReceived" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afl_EBPRevenueCreditAccount" abstract="false" name="EBPRevenueCreditAccount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afl_EBPVestingPercentageOnPlanTermination" abstract="false" name="EBPVestingPercentageOnPlanTermination" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="afl_EBPAssetHeldForInvestmentParticipantLoansNumberOfLoansOutstanding" abstract="false" name="EBPAssetHeldForInvestmentParticipantLoansNumberOfLoansOutstanding" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="afl_EBPAssetHeldForInvestmentParticipantLoanCostOfLoan" abstract="false" name="EBPAssetHeldForInvestmentParticipantLoanCostOfLoan" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="afl_EBPAssetHeldForInvestmentParticipantLoanMaturityPeriod" abstract="false" name="EBPAssetHeldForInvestmentParticipantLoanMaturityPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="afl_VanguardEquityIncomeFundAdmiralMember" abstract="true" name="VanguardEquityIncomeFundAdmiralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_VanguardFederalMoneyMarketFundMember" abstract="true" name="VanguardFederalMoneyMarketFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_VanguardInflationProtectedSecuritiesFundAdmiralMember" abstract="true" name="VanguardInflationProtectedSecuritiesFundAdmiralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_AmericanFundsEuropacificGrowthFundR6Member" abstract="true" name="AmericanFundsEuropacificGrowthFundR6Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_JPMorganLargeCapGrowthFundR6Member" abstract="true" name="JPMorganLargeCapGrowthFundR6Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceStableValueCommonTrustFundMember" abstract="true" name="T.RowePriceStableValueCommonTrustFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2005TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2005TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2010TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2010TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2015TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2015TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2020TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2020TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2025TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2025TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2030TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2030TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2035TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2035TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2040TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2040TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2045TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2045TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2050TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2050TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2055TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2055TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2060TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2060TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceRetirementBlend2065TrustClassBMember" abstract="true" name="T.RowePriceRetirementBlend2065TrustClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceU.S.TreasuryMoneyMarketTrustMember" abstract="true" name="T.RowePriceU.S.TreasuryMoneyMarketTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceU.S.MidCapGrowthEquityTrustClassDMember" abstract="true" name="T.RowePriceU.S.MidCapGrowthEquityTrustClassDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_T.RowePriceU.S.MidCapValueEquityTrustClassDMember" abstract="true" name="T.RowePriceU.S.MidCapValueEquityTrustClassDMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_Spartan500IndexPoolClassCMember" abstract="true" name="Spartan500IndexPoolClassCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_SpartanGlobalExUSIndexPoolClassCMember" abstract="true" name="SpartanGlobalExUSIndexPoolClassCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="afl_SpartanExtendedMarketIndexPoolClassCMember" abstract="true" name="SpartanExtendedMarketIndexPoolClassCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
