<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<DEBT-HELD-FOR-SALE>                            18,138
<DEBT-CARRYING-VALUE>                            2,715
<DEBT-MARKET-VALUE>                              3,322
<EQUITIES>                                       1,817
<MORTGAGE>                                         520
<REAL-ESTATE>                                      611
<TOTAL-INVEST>                                  24,089
<CASH>                                              55
<RECOVER-REINSURE>                                 301
<DEFERRED-ACQUISITION>                             521
<TOTAL-ASSETS>                                  30,561
<POLICY-LOSSES>                                  4,312
<UNEARNED-PREMIUMS>                              1,811
<POLICY-OTHER>                                     285
<POLICY-HOLDER-FUNDS>                           12,407
<NOTES-PAYABLE>                                  2,670
<PREFERRED-MANDATORY>                              842
<PREFERRED>                                          0
<COMMON>                                           883
<OTHER-SE>                                       4,669
<TOTAL-LIABILITY-AND-EQUITY>                    30,561
<PREMIUMS>                                       3,406
<INVESTMENT-INCOME>                              1,138
<INVESTMENT-GAINS>                                  62
<OTHER-INCOME>                                     206
<BENEFITS>                                       3,072
<UNDERWRITING-AMORTIZATION>                        587
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                    335
<INCOME-TAX>                                        46
<INCOME-CONTINUING>                                289
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       256
<EPS-PRIMARY>                                     1.82
<EPS-DILUTED>                                     1.81
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0