<TABLE> <S> <C>
<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.
</LEGEND>
<MULTIPLIER> 1,000,000
<S> <C>
<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
843
0
<COMMON> 842
<OTHER-SE> 3,452
<TOTAL-LIABILITY-AND-EQUITY> 30,573
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
</TABLE>