<ARTICLE> 7
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<DEBT-HELD-FOR-SALE>                            12,393
<DEBT-CARRYING-VALUE>                            3,163
<DEBT-MARKET-VALUE>                              3,089
<EQUITIES>                                         700
<MORTGAGE>                                       2,545
<REAL-ESTATE>                                      131
<TOTAL-INVEST>                                  19,876
<CASH>                                              27
<RECOVER-REINSURE>                               1,544
<DEFERRED-ACQUISITION>                           2,038
<TOTAL-ASSETS>                                  26,961
<POLICY-LOSSES>                                 19,021
<UNEARNED-PREMIUMS>                                 54
<POLICY-OTHER>                                     329
<POLICY-HOLDER-FUNDS>                              214
<NOTES-PAYABLE>                                  1,148
<PREFERRED-MANDATORY>                              300
<PREFERRED>                                          0
<COMMON>                                           130
<OTHER-SE>                                       2,715
<TOTAL-LIABILITY-AND-EQUITY>                    26,961
<PREMIUMS>                                         338
<INVESTMENT-INCOME>                                353
<INVESTMENT-GAINS>                                  48
<OTHER-INCOME>                                      81
<BENEFITS>                                         407
<UNDERWRITING-AMORTIZATION>                          0
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                    215
<INCOME-TAX>                                        76
<INCOME-CONTINUING>                                139
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       139
<EPS-BASIC>                                     1.35
<EPS-DILUTED>                                     1.34
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0