<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>                                             32,875
<DEBT-CARRYING-VALUE>                                                 0
<DEBT-MARKET-VALUE>                                                   0
<EQUITIES>                                                        1,286
<MORTGAGE>                                                          224
<REAL-ESTATE>                                                         7
<TOTAL-INVEST>                                                   39,141
<CASH>                                                              182
<RECOVER-REINSURE>                                                4,473
<DEFERRED-ACQUISITION>                                            5,038
<TOTAL-ASSETS>                                                  167,051
<POLICY-LOSSES>                                                  22,578
<UNEARNED-PREMIUMS>                                               2,777
<POLICY-OTHER>                                                   16,884
<POLICY-HOLDER-FUNDS>                                           111,667
<NOTES-PAYABLE>                                                   1,579
<COMMON>                                                              2
<PREFERRED-MANDATORY>                                             1,250<F1>
<PREFERRED>                                                           0
<OTHER-SE>                                                        5,464
<TOTAL-LIABILITY-AND-EQUITY>                                    167,051
<PREMIUMS>                                                       10,867
<INVESTMENT-INCOME>                                               2,627
<INVESTMENT-GAINS>                                                   34
<OTHER-INCOME>                                                        0
<BENEFITS>                                                        7,902
<UNDERWRITING-AMORTIZATION>                                       2,011
<UNDERWRITING-OTHER>                                              2,380
<INCOME-PRETAX>                                                   1,235
<INCOME-TAX>                                                        287
<INCOME-CONTINUING>                                                 862
<DISCONTINUED>                                                        0
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                        862
<EPS-BASIC>                                                        3.83
<EPS-DILUTED>                                                      3.79
<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 TRUSTS HOLDING SOLELY JUNIOR SUBORDINATED DEBENTURES.
</FN>