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| CIGNA CORPORATION | EXHIBIT 12 | |
| COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES | ||
| (Dollars in millions) |
| Nine Months Ended September 30, | ||||||||
| 2000 | 1999 | |||||||
| Income from continuing operations before income taxes | $ | 1,096 | $ | 774 | ||||
| Fixed charges included in income: | ||||||||
| Interest expense | 79 | 89 | ||||||
| Interest portion of rental expense | 33 | 39 | ||||||
| Total fixed charges included in income | 112 | 128 | ||||||
| Minority interest | 43 | 16 | ||||||
| Income available for fixed charges | $ | 1,251 | $ | 918 | ||||
| RATIO OF EARNINGS TO FIXED CHARGES | 11.2 | 7.2 | ||||||
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