<ARTICLE> 7
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE STATEMENT OF CONSOLIDATED INCOME AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.

<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<DEBT-HELD-FOR-SALE>                            16,830
<DEBT-CARRYING-VALUE>                            2,733
<DEBT-MARKET-VALUE>                              2,772
<EQUITIES>                                       2,005
<MORTGAGE>                                         770
<REAL-ESTATE>                                      107
<TOTAL-INVEST>                                  22,931
<CASH>                                             112
<RECOVER-REINSURE>                                 385
<DEFERRED-ACQUISITION>                             599
<TOTAL-ASSETS>                                  30,573
<POLICY-LOSSES>                                  4,416
<UNEARNED-PREMIUMS>                              1,853
<POLICY-OTHER>                                     282
<POLICY-HOLDER-FUNDS>                           13,763
<NOTES-PAYABLE>                                  2,316
<PREFERRED-MANDATORY>                              843
<PREFERRED>                                          0
<COMMON>                                           842
<OTHER-SE>                                       3,452
<TOTAL-LIABILITY-AND-EQUITY>                    30,573
<PREMIUMS>                                       4,744
<INVESTMENT-INCOME>                              1,585
<INVESTMENT-GAINS>                                 118
<OTHER-INCOME>                                     271
<BENEFITS>                                       4,504
<UNDERWRITING-AMORTIZATION>                        840
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                    332
<INCOME-TAX>                                        35
<INCOME-CONTINUING>                                297
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       252
<EPS-BASIC>                                       1.90
<EPS-DILUTED>                                     1.90
<RESERVE-OPEN>                                   3,966
<PROVISION-CURRENT>                              3,353
<PROVISION-PRIOR>                                   79
<PAYMENTS-CURRENT>                               1,926
<PAYMENTS-PRIOR>                                 1,403
<RESERVE-CLOSE>                                  4,069
<CUMULATIVE-DEFICIENCY>                             79