EXHIBIT 12

MetLife, Inc.
Ratio of Earnings to Fixed Charges

	Years Ended December 31,
	2007			2006			2005			2004			2003
	(In millions)
Income from continuing operations before provisions for income tax	$	5,785		$	3,939		$	4,119		$	3,389		$	2,196
Minority interest		23			23			(10	)		(10	)		(22	)
Undistributed income and losses from investees		(596	)		(169	)		(106	)		(108	)		144
Adjusted earnings before fixed charges	$	5,212		$	3,793		$	4,003		$	3,271		$	2,318
Add: fixed charges
Interest and debt issue costs		987			812			618			369			441
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		5,478			4,916			3,667			2,783			2,851
Total fixed charges	$	6,722		$	5,988		$	4,462		$	3,252		$	3,368
Preferred stock dividend		193			182			88			—			—
Total fixed charges plus preferred stock dividends	$	6,915		$	6,170		$	4,550		$	3,252		$	3,368
Total earnings and fixed charges	$	11,934		$	9,781		$	8,465		$	6,523		$	5,686
Ratio of earnings to fixed charges		1.78			1.63			1.90			2.01			1.69
Total earnings including fixed charges and preferred stock dividends	$	12,127		$	9,963		$	8,553		$	6,523		$	5,686
Ratio of earnings to fixed charges and preferred stock dividends		1.75			1.61			1.88			2.01			1.69

(1) 18.93% for the year ended 2007 and 23.1% for the years ended 2006, 2005, 2004 and 2003.