Exhibit 12.1

MetLife, Inc.
Ratio of Earnings to Fixed Charges

	For the Years Ended December 31,
	2008			2007			2006			2005			2004
	(In millions)
Income from continuing operations before provisions for income tax	$	5,090		$	5,762		$	3,926		$	4,104		$	3,384
Minority interest		(23	)		23			23			(10	)		(10	)
Undistributed income and losses from investees		784			(596	)		(169	)		(106	)		(108	)
Adjusted earnings before fixed charges	$	5,851		$	5,189		$	3,780		$	3,988		$	3,266
Add: Fixed charges
Interest and debt issue costs		1,157			1,117			900			659			408
Estimated interest component of rent expense (1)		46			71			80			68			61
Interest credited to bank deposits		166			199			194			109			39
Interest credited to policyholder account balances		4,787			5,461			4,899			3,650			2,766
Total fixed charges	$	6,156		$	6,848		$	6,073		$	4,486		$	3,274
Preferred stock dividends		181			193			182			88			—
Total fixed charges plus preferred stock dividends	$	6,337		$	7,041		$	6,255		$	4,574		$	3,274
Total earnings and fixed charges	$	12,007		$	12,037		$	9,853		$	8,474		$	6,540
Ratio of earnings to fixed charges		1.95			1.76			1.62			1.89			2.00
Total earnings including fixed charges and preferred stock dividends	$	12,188		$	12,230		$	10,035		$	8,562		$	6,540
Ratio of earnings to fixed charges including preferred stock dividends		1.92			1.74			1.60			1.87			2.00

1) 9.66% for the year ended 2008, 18.93% for the year ended 2007 and 23.1% for the years ended 2006, 2005 and 2004.