CIGNA  CORPORATION
        
Exhibit 12
  
COMPUTATION  OF  RATIO  OF  EARNINGS  TO  FIXED  CHARGES
            
(Dollars in millions)
            
   
Nine Months Ended
  
   
September 30,
  
   
2007
    
2006
  
             
Income from continuing operations before income taxes
   $
1,243
     $
1,382
  
                 
Adjustments:
                
   (Income) from equity investee
     (2 )     (1 )
                 
Income from continuing operations before income taxes, as adjusted
   $
1,241
     $
1,381
  
                 
Fixed charges included in income:
                
                 
Interest expense
   $
91
     $
76
  
Interest portion of rental expense
    
25
      
25
  
                 
     
116
      
101
  
                 
Interest credited to contractholders
    
5
      
-
  
                 
    $
121
     $
101
  
                 
Income available for fixed charges (including interest
                
credited to contractholders)
   $
1,362
     $
1,482
  
                 
Income available for fixed charges (excluding interest
                
credited to contractholders)
   $
1,357
     $
1,482
  
                 
RATIO OF EARNINGS TO FIXED CHARGES:
                
                 
Including interest credited to contractholders
    
11.3
      
14.7
  
                 
SUPPLEMENTAL RATIO:
                
                 
Excluding interest credited to contractholders
    
11.7
      
14.7