CIGNA CORPORATION	EXHIBIT 12
COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
(Dollars in millions)

	Nine Months Ended September 30,
	2001			2000
Income before income taxes	$	1,216		$	1,096
Adjustments:
Income from equity investee		(47	)		-
Minority interest		-			43
Income before income taxes, as adjusted	$	1,169		$	1,139
Fixed charges included in income:
Interest expense	$	88		$	79
Interest portion of rental expense		38			33
		126			112
Interest credited to contractholders		802			759
	$	928		$	871
Income available for fixed charges (including interest
credited to contractholders)	$	2,097		$	2,010
Income available for fixed charges (excluding interest
credited to contractholders)	$	1,295		$	1,251
RATIO OF EARNINGS TO FIXED CHARGES:
Including interest credited to contractholders		2.3			2.3
SUPPLEMENTAL RATIO:
Excluding interest credited to contractholders		10.3			11.2