<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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<DEBT-HELD-FOR-SALE>                            18,217
<DEBT-CARRYING-VALUE>                            2,730
<DEBT-MARKET-VALUE>                              3,107
<EQUITIES>                                       2,011
<MORTGAGE>                                         670
<REAL-ESTATE>                                      236
<TOTAL-INVEST>                                  24,112
<CASH>                                             137
<RECOVER-REINSURE>                                 392
<DEFERRED-ACQUISITION>                             549
<TOTAL-ASSETS>                                  31,067
<POLICY-LOSSES>                                  4,279
<UNEARNED-PREMIUMS>                              1,783
<POLICY-OTHER>                                     280
<POLICY-HOLDER-FUNDS>                           12,825
<NOTES-PAYABLE>                                  2,358
<PREFERRED-MANDATORY>                              842
<PREFERRED>                                          0
<COMMON>                                           888
<OTHER-SE>                                       4,546
<TOTAL-LIABILITY-AND-EQUITY>                    31,067
<PREMIUMS>                                       1,157
<INVESTMENT-INCOME>                                390
<INVESTMENT-GAINS>                                  56
<OTHER-INCOME>                                      69
<BENEFITS>                                       1,043
<UNDERWRITING-AMORTIZATION>                        202
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                    163
<INCOME-TAX>                                        33
<INCOME-CONTINUING>                                130
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       119
<EPS-PRIMARY>                                     0.87
<EPS-DILUTED>                                     0.87
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0