<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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<DEBT-HELD-FOR-SALE>                            17,174
<DEBT-CARRYING-VALUE>                            2,733
<DEBT-MARKET-VALUE>                              2,879
<EQUITIES>                                       1,909
<MORTGAGE>                                         729
<REAL-ESTATE>                                       94
<TOTAL-INVEST>                                  22,983
<CASH>                                              87
<RECOVER-REINSURE>                                 402
<DEFERRED-ACQUISITION>                             592
<TOTAL-ASSETS>                                  30,284
<POLICY-LOSSES>                                  4,374
<UNEARNED-PREMIUMS>                              1,912
<POLICY-OTHER>                                     282
<POLICY-HOLDER-FUNDS>                           13,564
<NOTES-PAYABLE>                                  2,314
<PREFERRED-MANDATORY>                              842
<PREFERRED>                                          0
<COMMON>                                           849
<OTHER-SE>                                       3,709
<TOTAL-LIABILITY-AND-EQUITY>                    30,284
<PREMIUMS>                                       3,524
<INVESTMENT-INCOME>                              1,183
<INVESTMENT-GAINS>                                  96
<OTHER-INCOME>                                     202
<BENEFITS>                                       3,332
<UNDERWRITING-AMORTIZATION>                        624
<UNDERWRITING-OTHER>                                 0
<INCOME-PRETAX>                                    274
<INCOME-TAX>                                        33
<INCOME-CONTINUING>                                241
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       208
<EPS-BASIC>                                       1.55
<EPS-DILUTED>                                     1.55
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0