Exhibit 12.1

MetLife, Inc.
Ratio of Earnings to Fixed Charges

	For the Years Ended December 31,
	2007			2006			2005			2004			2003
	(In millions)
Income from continuing operations before provisions for income tax	$	6,039		$	4,168		$	4,293		$	3,563		$	2,346
Minority interest		240			234			154			152			110
Undistributed income and losses from investees		(596	)		(169	)		(106	)		(108	)		144
Adjusted earnings before fixed charges	$	5,683		$	4,233		$	4,341		$	3,607		$	2,600
Add: Fixed charges
Interest and debt issue costs		1,116			900			659			408			478
Estimated interest component of rent expense (1)		58			66			68			61			59
Interest credited to bank deposits		199			194			109			39			17
Interest credited to policyholder account balances		5,741			5,171			3,887			2,997			3,035
Total fixed charges	$	7,114		$	6,331		$	4,723		$	3,505		$	3,589
Preferred Stock Dividend		193			182			88			—			—
Total fixed charges plus preferred dividends	$	7,307		$	6,513		$	4,811		$	3,505		$	3,589
Total earnings and fixed charges	$	12,797		$	10,564		$	9,064		$	7,112		$	6,189
Ratio of earnings to fixed charges		1.80			1.67			1.92			2.03			1.72
Total earnings including fixed charges and preferred stock dividends	$	12,990		$	10,746		$	9,152		$	7,112		$	6,189
Ratio of earnings to fixed charges including preferred stock dividends		1.78			1.65			1.90			2.03			1.72

1) 18.93% for 2007, 23.1% for 2006, 2005, 2004 and 2003.