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<PERIOD-TYPE>                   YEAR                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996             DEC-31-1995
<PERIOD-END>                               DEC-31-1997             DEC-31-1996             DEC-31-1995
<DEBT-HELD-FOR-SALE>                        20,945,219              20,107,863                       0
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<REAL-ESTATE>                                  985,317               1,247,673                       0
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<CASH>                                         113,175                 109,855                       0
<RECOVER-REINSURE>                             128,422                 164,618                       0
<DEFERRED-ACQUISITION>                         872,460                 857,560                       0
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<PREFERRED>                                     16,725                  16,063                       0
<COMMON>                                     2,057,108               1,895,608                       0
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