<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

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<DEBT-HELD-FOR-SALE>                            17,447
<DEBT-CARRYING-VALUE>                            2,741
<DEBT-MARKET-VALUE>                              2,834
<EQUITIES>                                       1,988
<MORTGAGE>                                         793
<REAL-ESTATE>                                       56
<TOTAL-INVEST>                                  23,432
<CASH>                                             105
<RECOVER-REINSURE>                                 430
<DEFERRED-ACQUISITION>                             599
<TOTAL-ASSETS>                                  31,134
<POLICY-LOSSES>                                  4,523
<UNEARNED-PREMIUMS>                              1,877
<POLICY-OTHER>                                     307
<POLICY-HOLDER-FUNDS>                           13,784
<NOTES-PAYABLE>                                  2,368
<PREFERRED-MANDATORY>                              843
<PREFERRED>                                          0
<COMMON>                                           834
<OTHER-SE>                                       3,437
<TOTAL-LIABILITY-AND-EQUITY>                    31,134
<PREMIUMS>                                       1,257
<INVESTMENT-INCOME>                                406
<INVESTMENT-GAINS>                                  31
<OTHER-INCOME>                                      68
<BENEFITS>                                       1,239
<UNDERWRITING-AMORTIZATION>                        212
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                     39
<INCOME-TAX>                                       (2)
<INCOME-CONTINUING>                                 41
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        30
<EPS-BASIC>                                       0.23
<EPS-DILUTED>                                     0.23
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0