<ARTICLE>                                 5
<LEGEND>                     
     This  schedule  contains  summary  financial   information  extracted  from
     Condensed  Consolidated  Statements  of Financial  Position  and  Condensed
     Consolidated Statements of Income and is qualified in its entirety by
     reference to such financial statements.
</LEGEND>                    
<MULTIPLIER>                      1,000,000
<CURRENCY>                              USD
                                   
                             
<PERIOD-TYPE>                         9-MOS
<FISCAL-YEAR-END>               DEC-31-1998
<PERIOD-START>                  JAN-01-1998
<PERIOD-END>                    SEP-30-1998
<EXCHANGE-RATE>                         1.0
<CASH>                                3,341 <F1>
<SECURITIES>                          3,904 <F2>
<RECEIVABLES>                         6,741
<ALLOWANCES>                             85
<INVENTORY>                               0
<CURRENT-ASSETS>                          0 <F3>
<PP&E>                                1,303
<DEPRECIATION>                          729
<TOTAL-ASSETS>                       19,938
<CURRENT-LIABILITIES>                     0 <F3>
<BONDS>                                 595 <F4>
<PREFERRED-MANDATORY>                   850 <F5>
<PREFERRED>                               0
<COMMON>                                172
<OTHER-SE>                            2,825
<TOTAL-LIABILITY-AND-EQUITY>         19,938
<SALES>                                   0
<TOTAL-REVENUES>                      4,791
<CGS>                                     0
<TOTAL-COSTS>                             0
<OTHER-EXPENSES>                      4,099 <F6>
<LOSS-PROVISION>                          0
<INTEREST-EXPENSE>                       64
<INCOME-PRETAX>                         692
<INCOME-TAX>                            259
<INCOME-CONTINUING>                     433
<DISCONTINUED>                            0
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                            402
<EPS-PRIMARY>                          2.36
<EPS-DILUTED>                          2.32
<FN>
<F1>  Includes short-term investments.
<F2>  Includes fixed maturities and equity securities at fair value.
<F3>  Not applicable based on current reporting format.
<F4>  Includes notes payable.
<F5>  Preferred  stock  at par  value.  Includes  Company-obligated  Mandatorily
      Redeemable Preferred Capital Securities of Subsidiary Trust holding solely
      to Company's Junior Subordinated Debentures.
<F6>  Represents total expenses.
</FN>