<ARTICLE> 7
<MULTIPLIER> 1,000,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<DEBT-HELD-FOR-SALE>                            10,566
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                          66
<MORTGAGE>                                           0
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                  12,170
<CASH>                                           2,040
<RECOVER-REINSURE>                                   0
<DEFERRED-ACQUISITION>                             643
<TOTAL-ASSETS>                                  19,906
<POLICY-LOSSES>                                      0
<UNEARNED-PREMIUMS>                                  0
<POLICY-OTHER>                                  12,117
<POLICY-HOLDER-FUNDS>                                0
<NOTES-PAYABLE>                                    781
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                         11
<COMMON>                                             1
<OTHER-SE>                                       1,321
<TOTAL-LIABILITY-AND-EQUITY>                    19,906
<PREMIUMS>                                           0
<INVESTMENT-INCOME>                                636
<INVESTMENT-GAINS>                                (38)
<OTHER-INCOME>                                     361
<BENEFITS>                                           0
<UNDERWRITING-AMORTIZATION>                         84
<UNDERWRITING-OTHER>                               300
<INCOME-PRETAX>                                    137
<INCOME-TAX>                                        47
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        90
<EPS-BASIC>                                       1.89
<EPS-DILUTED>                                     1.86
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0