<ARTICLE> 7
<LEGEND> 
This schedule contains summary financial information extracted from 
Consolidated Statements of Financial Position and Consolidated Statement of 
Operations and is qualified in its entirety by reference to such
financial statements. 
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                      DEC-31-1995
<PERIOD-START>                         JAN-01-1995    
<PERIOD-END>                           SEP-30-1995     
<DEBT-HELD-FOR-SALE>                         4,761 
<DEBT-CARRYING-VALUE>                        2,881 
<DEBT-MARKET-VALUE>                          2,891 
<EQUITIES>                                     965 
<MORTGAGE>                                     598 
<REAL-ESTATE>                                   36 
<TOTAL-INVEST>                              10,533 
<CASH>                                         124 
<RECOVER-REINSURE>                               0<F1>  
<DEFERRED-ACQUISITION>                       1,242      
<TOTAL-ASSETS>                              19,640      
<POLICY-LOSSES>                              1,447      
<UNEARNED-PREMIUMS>                          1,638      
<POLICY-OTHER>                                 951      
<POLICY-HOLDER-FUNDS>                        5,508 
<NOTES-PAYABLE>                                875<F2> 
<COMMON>                                       111<F4> 
<PREFERRED-MANDATORY>                           50     
<PREFERRED>                                      8<F3> 
<OTHER-SE>                                   2,453     
<TOTAL-LIABILITY-AND-EQUITY>                19,640     
<PREMIUMS>                                   1,527     
<INVESTMENT-INCOME>                            624     
<INVESTMENT-GAINS>                               4  
<OTHER-INCOME>                               1,268<F5>  
<BENEFITS>                                   1,039      
<UNDERWRITING-AMORTIZATION>                    223      
<UNDERWRITING-OTHER>                         1,691      
<INCOME-PRETAX>                                470      
<INCOME-TAX>                                   160      
<INCOME-CONTINUING>                            310      
<DISCONTINUED>                                   0   
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                   310
<EPS-PRIMARY>                                 2.68
<EPS-DILUTED>                                 0.00
<RESERVE-OPEN>                                 681 
<PROVISION-CURRENT>                              0<F1>
<PROVISION-PRIOR>                                0<F1>
<PAYMENTS-CURRENT>                               0<F1> 
<PAYMENTS-PRIOR>                                 0<F1> 
<RESERVE-CLOSE>                                  0<F1> 
<CUMULATIVE-DEFICIENCY>                          0<F1> 
<FN>

<F1>  Available on an annual basis only.
<F2>  Includes short-term borrowing and debt guarantee of ESOP.
<F3>  Preferred Stock at par value.
<F4>  Common stock at par value.
<F5>  Includes brokerage commissions and fees and other income.