EXHIBIT 25.1



                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549
                            -------------------------

                                    FORM T-1

                            STATEMENT OF ELIGIBILITY
                    UNDER THE TRUST INDENTURE ACT OF 1939 OF
                   A CORPORATION DESIGNATED TO ACT AS TRUSTEE
                   -------------------------------------------
               CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF
                A TRUSTEE PURSUANT TO SECTION 305(b)(2) ________
                    ----------------------------------------

                J. P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION
               (Exact name of trustee as specified in its charter)

                                                                     95-4655078
(State of incorporation                                        (I.R.S. employer
if not a national bank)                                     identification No.)

1999 AVENUE OF THE STARS, FLOOR 26
LOS ANGELES, CALIFORNIA                                                   90067
(Address of principal executive offices)                             (Zip Code)

                              F. Henry Kleschen III
                            Assistant General Counsel
                       227 West Monroe Street, Suite 2600
                                Chicago, IL 60606
                               Tel: (312) 267-5064
            (Name, address and telephone number of agent for service)
                  --------------------------------------------
                            CNA FINANCIAL CORPORATION
               (Exact name of obligor as specified in its charter)

DELAWARE                                                             36-6169860
(State or other jurisdiction of                                (I.R.S. employer
incorporation or organization)                              identification No.)


CNA CENTER
CHICAGO, IL                                                               60685
(Address of principal executive offices)                             (Zip Code)


                                 DEBT SECURITIES
                       (Title of the indenture securities)
         -------------------------------------------------------------




ITEM 1.     GENERAL INFORMATION.

            Furnish the following information as to the trustee:

      (a)   Name and address of each examining or supervising authority to
            which it is subject.

            Comptroller of the Currency, Washington, D.C.
            Board of Governors of the Federal Reserve System,
            Washington, D.C.

      (b)   Whether it is authorized to exercise corporate trust powers.

            Yes.

ITEM 2.     AFFILIATIONS WITH OBLIGOR.

      If the Obligor is an affiliate of the trustee, describe each such
      affiliation.

      None.


NO RESPONSES ARE INCLUDED FOR ITEMS 3-15 OF THIS FORM T-1 BECAUSE THE OBLIGOR IS
NOT IN DEFAULT AS PROVIDED UNDER ITEM 13.

ITEM 16.    LIST OF EXHIBITS.

      List below all exhibits filed as part of this statement of eligibility.

      Exhibit 1.    Articles of Association of the Trustee as Now in Effect
                    (see Exhibit 1 to Form T-1 filed in connection with Form 8K
                    of the Southern California Water Company filing, dated
                    December 7, 2001, which is incorporated by reference).

      Exhibit 2.    Certificate of Authority of the Trustee to Commence Business
                    (see Exhibit 2 to Form T-1 filed in connection with
                    Registration Statement No. 333-41329, which is incorporated
                    by reference).

      Exhibit 3.    Authorization of the Trustee to Exercise Corporate Trust
                    Powers (contained in Exhibit 2).

      Exhibit 4.    Existing By-Laws of the Trustee (see Exhibit 4 to Form T-1
                    filed in connection with Form 8K of the Southern California
                    Water Company filing, dated December 7, 2001, which is
                    incorporated by reference).

      Exhibit 5.    Not Applicable

      Exhibit 6.    The consent of the Trustee required by Section 321 (b)
                    of the Act.

      Exhibit 7.    A copy of the latest report of condition of the Trustee,
                    published pursuant to law or the requirements of its
                    supervising or examining authority.

      Exhibit 8.    Not Applicable

      Exhibit 9.    Not Applicable





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                                    SIGNATURE

     Pursuant to the requirements of the Trust Indenture Act of 1939, the
Trustee, J. P. Morgan Trust Company, National Association, has duly caused this
statement of eligibility and qualification to be signed on its behalf by the
undersigned, thereunto duly authorized, all in the City of Chicago, and State of
Illinois, on the 10th day of August, 2005.


                             J. P. Morgan Trust Company, National Association


                                 By        /s/ George Reaves
                                   -------------------------------
                                      George Reaves
                                      Authorized Officer





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                                    EXHIBIT 6

        THE CONSENT OF THE TRUSTEE REQUIRED BY SECTION 321(b) OF THE ACT



                                 August 10, 2005



Securities and Exchange Commission
Washington, D.C. 20549



Ladies and Gentlemen:

In connection with the qualification of an indenture between CNA Financial
Corporation and J.P. Morgan Trust Company, National Association, as trustee, the
undersigned, in accordance with Section 321(b) of the Trust Indenture Act of
1939, as amended, hereby consents that the reports of examinations of the
undersigned, made by Federal or State authorities authorized to make such
examinations, may be furnished by such authorities to the Securities and
Exchange Commission upon its request therefor.

                                Very truly yours,

                                J.P. MORGAN TRUST COMPANY, NATIONAL
                                ASSOCIATION



                                 By       /s/ George Reaves
                                          -------------------
                                          George Reaves
                                          Authorized Officer




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EXHIBIT 7.          Report of Condition of the Trustee.
- --------------------------------------------------------------------------------


                J. P. MORGAN TRUST COMPANY, NATIONAL ASSOCIATION
                             STATEMENT OF CONDITION

                                 MARCH 31, 2005

<Table>
                                                               
                                                                   ($000)
                                                                  ------
ASSETS
     Cash and Due From Banks                               $      29,397
     Securities                                                  207,530
     Loans and Leases                                            110,719
     Premises and Fixed Assets                                     8,753
     Intangible Assets                                           370,377
     Goodwill                                                    202,094
     Other Assets                                                 42,767
                                                          ------------------
        Total Assets                                       $     971,637
                                                          ==================


LIABILITIES
     Deposits                                              $     121,455
     Other Liabilities                                            55,518
                                                          ------------------
        Total Liabilities                                        176,973

EQUITY CAPITAL

     Common Stock                                                    600
     Surplus                                                     701,587
     Retained Earnings                                            92,477
                                                          ------------------
        Total Equity Capital                                     794,664
                                                          ------------------

        Total Liabilities and Equity Capital               $     971,637
                                                          ==================
</Table>





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