Exhibit 12     

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

	Year ended December 31,
	2001			2000		1999		1998		1997
Income from continuing operations
before income taxes	$	1,497		$	1,497	$	1,219	$	1,858	$	1,228
Adjustments:
Income from equity investees		(79	)		-		-		-		-
Minority interest		-			53		31		-		-
Income before income taxes, as adjusted	$	1,418		$	1,550	$	1,250	$	1,858	$	1,228
Fixed charges included in income:
Interest expense	$	118		$	104	$	116	$	126	$	127
Interest portion of rental expense		51			44		51		63		94
		169			148		167		189		221
Interest credited to contractholders		1,071			1,017		975		1,002		1,175
	$	1,240		$	1,165	$	1,142	$	1,191	$	1,396
Income available for fixed charges
(including interest credited to
contractholders)	$	2,658		$	2,715	$	2,392	$	3,049	$	2,624
Income available for fixed charges
(excluding interest credited to
contractholders)	$	1,587		$	1,698	$	1,417	$	2,047	$	1,449
RATIO OF EARNINGS TO FIXED CHARGES:
Including interest credited to
contractholders		2.1			2.3		2.1		2.6		1.9
SUPPLEMENTAL RATIO:
Excluding interest credited to
contractholders		9.4			11.5		8.5		10.8		6.6