<TABLE> <S> <C>

<PAGE>
<ARTICLE> 7
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1998
<PERIOD-START>                             JAN-01-1997             JAN-01-1998
<PERIOD-END>                               DEC-31-1997             DEC-31-1998
<DEBT-HELD-FOR-SALE>                         2,968,901               4,105,139
<DEBT-CARRYING-VALUE>                                0                       0
<DEBT-MARKET-VALUE>                                  0                       0
<EQUITIES>                                      34,860                  46,557
<MORTGAGE>                                           0                 281,725
<REAL-ESTATE>                                   75,968                  73,251
<TOTAL-INVEST>                               4,039,472               5,641,098
<CASH>                                       1,293,457               1,492,196
<RECOVER-REINSURE>                                   0                       0
<DEFERRED-ACQUISITION>                          14,179                  20,926
<TOTAL-ASSETS>                               6,278,701               8,406,090
<POLICY-LOSSES>                                      0                       0
<UNEARNED-PREMIUMS>                                  0                       0
<POLICY-OTHER>                                       0                       0
<POLICY-HOLDER-FUNDS>                        4,445,490               6,027,599
<NOTES-PAYABLE>                              1,341,388               1,325,247
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        19,398                  20,547
<OTHER-SE>                                     320,037                 756,283
<TOTAL-LIABILITY-AND-EQUITY>                 6,278,701               8,400,090
<PREMIUMS>                                       8,108                 121,192
<INVESTMENT-INCOME>                            490,182                 599,334
<INVESTMENT-GAINS>                              14,275                   4,337
<OTHER-INCOME>                                   4,094                  31,461
<BENEFITS>                                           0                  87,925
<UNDERWRITING-AMORTIZATION>                     63,524                 302,557
<UNDERWRITING-OTHER>                           711,348                 972,483
<INCOME-PRETAX>                               (258,213)               (606,641)
<INCOME-TAX>                                      (968)                   3,100
<INCOME-CONTINUING>                           (257,245)               (609,741)
<DISCONTINUED>                                 (12,112)                  32,499
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                  (269,357)               (577,242)
<EPS-PRIMARY>                                     (.14)                   (.28)
<EPS-DILUTED>                                     (.14)                   (.28)
<RESERVE-OPEN>                                       0                       0
<PROVISION-CURRENT>                                  0                       0
<PROVISION-PRIOR>                                    0                       0
<PAYMENTS-CURRENT>                                   0                  87,925
<PAYMENTS-PRIOR>                                     0                       0
<RESERVE-CLOSE>                                      0                       0
<CUMULATIVE-DEFICIENCY>                              0                       0
        

</TABLE>