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

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<DEBT-HELD-FOR-SALE>                            16,802
<DEBT-CARRYING-VALUE>                                0
<DEBT-MARKET-VALUE>                                  0
<EQUITIES>                                         153
<MORTGAGE>                                         183
<REAL-ESTATE>                                        0
<TOTAL-INVEST>                                  21,627
<CASH>                                              59
<RECOVER-REINSURE>                                 461
<DEFERRED-ACQUISITION>                           4,103
<TOTAL-ASSETS>                                 125,581
<POLICY-LOSSES>                                  5,987
<UNEARNED-PREMIUMS>                                 53
<POLICY-OTHER>                                  16,678
<POLICY-HOLDER-FUNDS>                           97,377
<NOTES-PAYABLE>                                    650
<PREFERRED-MANDATORY>                              250<F1>
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                       2,316
<TOTAL-LIABILITY-AND-EQUITY>                   125,581
<PREMIUMS>                                       2,954
<INVESTMENT-INCOME>                              1,163
<INVESTMENT-GAINS>                                 (5)
<OTHER-INCOME>                                       0
<BENEFITS>                                       2,282
<UNDERWRITING-AMORTIZATION>                        417
<UNDERWRITING-OTHER>                               847
<INCOME-PRETAX>                                    494
<INCOME-TAX>                                       155
<INCOME-CONTINUING>                                339
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       339
<EPS-BASIC>                                       2.42
<EPS-DILUTED>                                     2.42
<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>