EXHIBIT 12

CIGNA CORPORATION
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
(Dollars in millions)

	Six Months Ended June 30,
	2000		1999
Income from continuing operations before income taxes	$	666	$	837
Fixed charges included in income:
Interest expense		53		61
Interest portion of rental expense		22		32
Total fixed charges included in income		75		93
Minority interest		23		--
Income available for fixed charges	$	764	$	930
RATIO OF EARNINGS TO FIXED CHARGES		10.2		10.0