Frederic J. Simard, FSA

Deputy President of Aflac U.S.

Fred joined Aflac in September 2023 as senior vice president and chief financial officer of Aflac U.S., bringing more than 30 years of insurance experience.

In January 2025, he was promoted to executive vice president and chief operating officer of Aflac U.S., taking on a dual role as both chief financial officer and chief operating officer. In this capacity, he oversaw product development, pricing strategies, financials, and overall performance of the U.S. business. In January 2026, he was promoted again to serve as deputy president of Aflac U.S. In this new role, he is responsible for advancing growth and strategic priorities in addition to ensuring financial and operational performance.

Prior to joining Aflac, Fred worked at MetLife across a variety of business and financials areas, including serving as chief financial officer for national accounts, long-term care and group disability/absence management. He was also the product head for disability, and the market leader of their group strategy in the 100 to 5,000 lives market. Recently, he was chief actuary and chief financial officer (employee benefits) at Guardian Life.

Fred graduated from University Laval in Quebec City with a bachelor’s degree in actuarial sciences and is a Fellow of the Society of Actuaries.