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Exhibit 31.1

CERTIFICATION

I, Stephen W. Lilienthal, Chief Executive Officer of CNA Financial Corporation, certify that:



|1. |  | I have reviewed this annual report on Form 10-K of CNA Financial Corporation;
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|2. |  | Based on my knowledge, this annual report does not contain any untrue statement of a material fact or omit to state a
material fact necessary to make the statements made, in light of the circumstances under which such statements were made,
not misleading with respect to the period covered by this annual report;
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|3. |  | Based on my knowledge, the financial statements, and other financial information included in this annual report, fairly
present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and
for, the periods presented in this annual report;
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|4. |  | The registrants other certifying officers and I are responsible for establishing and maintaining disclosure controls and
procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and have:
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| | a) |  | Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to
be designed under our supervision, to ensure that material information relating to the registrant,
including its consolidated subsidiaries, is made known to us by others within those entities,
particularly during the period in which this annual report is being prepared;
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| | b) |  | Evaluated the effectiveness of the registrants disclosure controls and procedures and presented in this
annual report our conclusions about the effectiveness of the disclosure controls and procedures, as of
the end of the period covered by this annual report based on such evaluation; and
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| | c) |  | Disclosed in this annual report any change in the registrants internal control over financial reporting
that occurred during the registrants most recent fiscal quarter (the registrants fourth quarter in the
case of an annual report) that has materially affected, or is reasonably likely to materially affect,
the registrants internal control over financial reporting; and
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|5. |  | The registrants other certifying officers and I have disclosed, based on our most recent evaluation of internal control
over financial reporting, to the registrants auditors and the audit committee of registrants board of directors (or
persons performing the equivalent function):
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| | a) |  | All significant deficiencies and material weaknesses in the design or operation of internal control over
financial reporting which are reasonably likely to adversely affect the registrants ability to record,
process, summarize and report financial information; and
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| | b) |  | Any fraud, whether or not material, that involves management or other employees who have a significant
role in the registrants internal control over financial reporting.
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Dated: February 27, 2004
    
    By
    
    /s/ Stephen W. LilienthalStephen W. LilienthalChief Executive Officer