<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
Company's consolidated financial statements as filed in Form 10-K for the
year ended December 31, 1999, and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<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>                            22,883
<DEBT-CARRYING-VALUE>                            8,292
<DEBT-MARKET-VALUE>                              8,012
<EQUITIES>                                         215
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                  31,408
<CASH>                                             616
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                           3,692
<TOTAL-ASSETS>                                  37,041
<POLICY-LOSSES>                                 28,928
<UNEARNED-PREMIUMS>                                361
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                              315
<NOTES-PAYABLE>                                  1,111
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            32
<OTHER-SE>                                       3,836
<TOTAL-LIABILITY-AND-EQUITY>                    37,041
<PREMIUMS>                                       7,264
<INVESTMENT-INCOME>                              1,369
<INVESTMENT-GAINS>                                (13)
<OTHER-INCOME>                                      20
<BENEFITS>                                       5,885
<UNDERWRITING-AMORTIZATION>                        257
<UNDERWRITING-OTHER>                             1,720
<INCOME-PRETAX>                                    778
<INCOME-TAX>                                       207
<INCOME-CONTINUING>                                571
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       571
<EPS-BASIC>                                       2.15
<EPS-DILUTED>                                     2.07
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0