AFL Stock and Options Trade Setup — Aflac Incorporated
S&P 500 · Insurance (Supplemental Health) · Moderate-liquidity options · Large cap · ~$47B
Aflac operates a structurally defensive business: supplemental insurance premiums are small per employee (often employer-paid), rarely cancelled in a downturn, and diversified across millions of policies — making the loss ratio exceptionally stable across economic cycles. The Japan segment (60% of earnings) generates yen-denominated profits that benefit from Japan's rising interest-rate environment improving investment yields on the large yen bond portfolio. The U.S. segment is growing at a consistent 5-8% rate as voluntary benefits adoption increases in the employer market. Aflac has a 41-year streak of annual dividend increases — the longest in the S&P insurance sector — attracting income-oriented institutions. Low volatility makes it an excellent covered-call or long-call-spread setup when momentum aligns.
Score History & Signal Changelog
Preview dataThis page is a living document — updated every 72 hours from the last scan. Each data point below represents one complete algorithmic snapshot.
Signal Breakdown
Today's Trade Card
Options Profile
Risks & Fundamentals
Every setup carries risk. Here's what could move AFL against you, plus the key stats that frame any position.
- 1.Yen depreciation reducing reported USD earnings from the Japan segment (largest single risk factor)
- 2.Japan interest rate environment reversing, compressing investment yield on the legacy yen fixed-income portfolio
- 3.U.S. supplemental insurance market saturation slowing growth in the domestic segment
AFL Options Setup — Frequently Asked Questions
Is AFL a good options trade today?+
Aflac Incorporated (AFL) currently has an Amora Edge Score of 70/100, ranking it top 21% of today's scan. This composite score is built from four sub-signals — EMA cross, RSI zone, relative strength vs SPY, and volume surge — each scored 0–25. The current read is a bullish setup, so the algorithm is positioned bullish (calls / call debit spreads). A score above 65 typically warrants a trade card with stop and target; below that, the setup is on the watchlist but not actionable.
What is AFL's win rate on Stoptions.ai setups?+
AFL's historical win rate on closed Stoptions setups is 66%. Win rate is calculated as the percentage of past AFL trade cards that hit their target price before stopping out. Win rate is most meaningful once a ticker has 10+ closed trades — individual ticker rates can be noisy at smaller samples. Our portfolio-wide win rate across all closed trades is the more stable benchmark.
What strike and expiry does Stoptions.ai suggest for AFL?+
The strike and expiry are shown on the trade card at the top of this page when the setup is active. Stoptions.ai algorithmically selects strikes targeting delta 0.35–0.45 and expirations 30–45 days out, adjusted for current implied volatility rank (IVR). When IVR is high, the system favors call debit spreads to limit vega risk; when IVR is low, single-leg long calls are preferred. The card includes the contract symbol, mid-price entry, stop, and target.
How often is the AFL setup updated?+
Every 72 hours we refresh AFL's Amora Edge Score and trade card. The underlying scan runs daily at 9:00 AM ET (pre-market) and 9:30 AM ET (post-open), so any new signal change is reflected within one trading session. If AFL drops below the entry threshold or the regime shifts (e.g., SPY enters a confirmed bear), the trade card is replaced with a "no setup" notice automatically.
What does the Amora Edge Score measure for AFL?+
The Amora Edge Score is a 0–100 composite of four technical sub-signals applied to AFL: (1) EMA cross — is the 20-day above the 50-day with both trending up? (2) RSI zone — is momentum in the 50–70 sweet spot, or extended/weak? (3) Relative strength vs SPY — is AFL outperforming the market over 20 sessions? (4) Volume surge — is participation above the 20-day average? Each sub-signal contributes 0–25 points. AFL currently scores 70.
How does AFL compare to other Insurance (Supplemental Health) setups?+
AFL's sector rank and percentile against other Insurance (Supplemental Health) tickers we track is shown on the /tickers index — sortable by Amora Edge Score, win rate, or sector. For direct comparison, see the "Related Insurance (Supplemental Health) Options Setups" panel above. When multiple tickers in the same sector are scoring 80+, the algorithm flags the cluster as a sector rotation signal and may upweight position sizing.
Educational content only — not personalized investment advice. Options carry substantial risk.
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