<ARTICLE> 7
<MULTIPLIER> 1,000,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<DEBT-HELD-FOR-SALE>                            17,035
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                         153
<MORTGAGE>                                         200
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                  21,786
<CASH>                                              89
<RECOVER-REINSURE>                                 449
<DEFERRED-ACQUISITION>                           4,210
<TOTAL-ASSETS>                                 139,033
<POLICY-LOSSES>                                  6,236
<UNEARNED-PREMIUMS>                                 48
<POLICY-OTHER>                                  16,873
<POLICY-HOLDER-FUNDS>                          110,652
<NOTES-PAYABLE>                                    650
<PREFERRED-MANDATORY>                                1
<PREFERRED>                                        250<F1>
<COMMON>                                             0
<OTHER-SE>                                       2,305
<TOTAL-LIABILITY-AND-EQUITY>                   139,033
<PREMIUMS>                                       3,979
<INVESTMENT-INCOME>                              1,562
<INVESTMENT-GAINS>                                 (5)
<OTHER-INCOME>                                       0
<BENEFITS>                                       3,054
<UNDERWRITING-AMORTIZATION>                        568
<UNDERWRITING-OTHER>                             1,130
<INCOME-PRETAX>                                    686
<INCOME-TAX>                                       219
<INCOME-CONTINUING>                                467
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       467
<EPS-BASIC>                                       3.34
<EPS-DILUTED>                                     3.33
<RESERVE-OPEN>                                       0
<PROVISION-CURRENT>                                  0
<PROVISION-PRIOR>                                    0
<PAYMENTS-CURRENT>                                   0
<PAYMENTS-PRIOR>                                     0
<RESERVE-CLOSE>                                      0
<CUMULATIVE-DEFICIENCY>                              0
<FN>
<F1>REPRESENTS COMPANY OBLIGATED MANDATORILY REDEEMABLE PREFERRED SECURITIES OF
SUBSIDIARY TRUST HOLDING SOLELY PARENT JUNIOR SUBORDINATED DEBENTURES.
</FN>