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

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<DEBT-HELD-FOR-SALE>                            77,028
<DEBT-CARRYING-VALUE>                           12,078
<DEBT-MARKET-VALUE>                             12,202
<EQUITIES>                                       6,714
<MORTGAGE>                                       7,139
<REAL-ESTATE>                                    1,620
<TOTAL-INVEST>                                 185,882
<CASH>                                             132
<RECOVER-REINSURE>                              19,368
<DEFERRED-ACQUISITION>                           9,624
<TOTAL-ASSETS>                                 268,238
<POLICY-LOSSES>                                 72,860
<UNEARNED-PREMIUMS>                             11,450
<POLICY-OTHER>                                       0
<POLICY-HOLDER-FUNDS>                           45,785
<NOTES-PAYABLE>                                 23,554
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,152
<OTHER-SE>                                      29,154
<TOTAL-LIABILITY-AND-EQUITY>                   268,238
<PREMIUMS>                                      27,486
<INVESTMENT-INCOME>                              8,723
<INVESTMENT-GAINS>                                 122
<OTHER-INCOME>                                   (197)
<BENEFITS>                                      23,608
<UNDERWRITING-AMORTIZATION>                      2,419
<UNDERWRITING-OTHER>                             3,990
<INCOME-PRETAX>                                  7,512<F1>
<INCOME-TAX>                                     2,219
<INCOME-CONTINUING>                              5,055
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,055
<EPS-BASIC>                                       3.27<F2>
<EPS-DILUTED>                                     3.23<F2>
<RESERVE-OPEN>                                  24,619
<PROVISION-CURRENT>                             12,122
<PROVISION-PRIOR>                                (384)
<PAYMENTS-CURRENT>                               4,978
<PAYMENTS-PRIOR>                                 6,779
<RESERVE-CLOSE>                                 24,600
<CUMULATIVE-DEFICIENCY>                            382
<FN>
<F1>Amount represents Income before income taxes and minority interest.
<F2>Earnings per share information reflects a common stock split in the form of a
25 percent common stock dividend paid July 30, 1999. Prior period financial
data schedules have not been restated for this stock split
</FN>