<ARTICLE> 7
<LEGEND>
This schedule contains summary financial information extracted from the
Company's consolidated financial statements as filed in Form 10-Q for the
quarter ended March 31, 1999, and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<DEBT-HELD-FOR-SALE>                            19,603
<DEBT-CARRYING-VALUE>                            7,147
<DEBT-MARKET-VALUE>                              6,777
<EQUITIES>                                         180
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                  26,948
<CASH>                                             269
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                           3,040
<TOTAL-ASSETS>                                  31,349
<POLICY-LOSSES>                                 23,424
<UNEARNED-PREMIUMS>                                306
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                              246
<NOTES-PAYABLE>                                    573
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            32
<OTHER-SE>                                       3,827
<TOTAL-LIABILITY-AND-EQUITY>                    31,349
<PREMIUMS>                                       1,728
<INVESTMENT-INCOME>                                320
<INVESTMENT-GAINS>                                 (5)
<OTHER-INCOME>                                       5
<BENEFITS>                                       1,400
<UNDERWRITING-AMORTIZATION>                         57
<UNDERWRITING-OTHER>                               388
<INCOME-PRETAX>                                    203
<INCOME-TAX>                                         7<F1>
<INCOME-CONTINUING>                                196
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       196
<EPS-PRIMARY>                                      .74
<EPS-DILUTED>                                      .71
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>Includes $67 benefit from Japanese income tax rate reduction.
</FN>