EXHIBIT 12.1

MetLife, Inc.
Ratios of Earnings to Fixed Charges

	Years Ended December 31,
	2008		2007			2006			2005			2004
	(In millions)
Income from continuing operations before provision for income tax	$	5,067	$	5,786		$	3,949		$	4,094		$	3,374
Undistributed income and losses from investees		784		(596	)		(169	)		(106	)		(108	)
Adjusted earnings before fixed charges		5,851		5,190			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		4,788		5,461			4,899			3,650			2,766
Total fixed charges		6,157		6,848			6,073			4,486			3,274
Preferred stock dividends		181		193			182			88			—
Total fixed charges plus preferred stock dividends	$	6,338	$	7,041		$	6,255		$	4,574		$	3,274
Total earnings and fixed charges	$	12,008	$	12,038		$	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	$	12,189	$	12,231		$	10,035		$	8,562		$	6,540
Ratio of earnings to fixed charges and preferred stock dividends		1.92		1.74			1.60			1.87			2.00

(1) 9.66% for the year ended December 31, 2008, 18.93% for the year ended December 31, 2007 and 23.10% for the years ended December 31, 2006, 2005 and 2004.