<ARTICLE> 7
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<DEBT-HELD-FOR-SALE>                         2,002,030
<DEBT-CARRYING-VALUE>                          339,362
<DEBT-MARKET-VALUE>                            337,794
<EQUITIES>                                      35,345
<MORTGAGE>                                     314,523
<REAL-ESTATE>                                   20,119
<TOTAL-INVEST>                               2,950,200
<CASH>                                           6,482
<RECOVER-REINSURE>                               4,812
<DEFERRED-ACQUISITION>                         236,263
<TOTAL-ASSETS>                               3,662,331
<POLICY-LOSSES>                              2,378,775
<UNEARNED-PREMIUMS>                                  0
<POLICY-OTHER>                                  37,669
<POLICY-HOLDER-FUNDS>                          257,660
<NOTES-PAYABLE>                                 51,694
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      3,000
<COMMON>                                        49,866
<OTHER-SE>                                     452,142
<TOTAL-LIABILITY-AND-EQUITY>                 3,662,331
<PREMIUMS>                                     151,293
<INVESTMENT-INCOME>                            225,820
<INVESTMENT-GAINS>                              (2,342)
<OTHER-INCOME>                                  20,215
<BENEFITS>                                     200,728
<UNDERWRITING-AMORTIZATION>                     12,434
<UNDERWRITING-OTHER>                            57,742
<INCOME-PRETAX>                                 81,149
<INCOME-TAX>                                    25,911
<INCOME-CONTINUING>                             54,325
<DISCONTINUED>                                   1,385
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    55,710
<EPS-BASIC>                                       1.72
<EPS-DILUTED>                                     1.69
<RESERVE-OPEN>                                  20,706
<PROVISION-CURRENT>                              6,630
<PROVISION-PRIOR>                               (1,417)
<PAYMENTS-CURRENT>                               2,274
<PAYMENTS-PRIOR>                                 3,212
<RESERVE-CLOSE>                                 20,433
<CUMULATIVE-DEFICIENCY>                         (1,417)