Exhibit 12.1

ASSURANT, INC.

COMPUTATION OF RATIO OF CONSOLIDATED EARNINGS TO FIXED CHARGES

(in millions of U.S. dollars except for ratio amounts)

	2013		2012		2011		2010		2009
Income before income taxes	$	789.7	$	757.8	$	706.2	$	606.5	$	714.3
Fixed charges		86.8		70.2		70.2		73.8		74.6
Income as adjusted	$	876.5	$	828.0	$	776.4	$	680.3	$	788.9
Fixed charges:
Interest expense, including discount amortization and preferred stock dividends (1)	$	77.7	$	60.3	$	60.4	$	60.6	$	60.7
Portion of rents representative of an appropriate interest factor		9.1		9.9		9.8		13.2		13.9
Total fixed charges	$	86.8	$	70.2	$	70.2	$	73.8	$	74.6
Ratio of consolidated earnings to fixed charges		10.10		11.79		11.06		9.22		10.58

(1) Preferred stock issued is recorded as a liability, thus the corresponding dividend is recorded as interest expense.