EXHIBIT 12.1

ASSURANT, INC.

COMPUTATION OF RATIO OF CONSOLIDATED EARNINGS TO FIXED CHARGES

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

	2007		2008		2009		2010		2011		March 31, 2012
Income before income taxes	$	1,011.0	$	563.6	$	714.3	$	606.5	$	706.2	$	249.6
Fixed charges		73.9		73.5		74.6		73.8		70.2		17.6
Income as adjusted	$	1,084.9	$	637.1	$	788.9	$	680.3	$	776.4	$	267.2
Fixed charges:
Interest expense, including discount amortization and preferred stock dividends (1)	$	61.2	$	61.0	$	60.7	$	60.6	$	60.4	$	15.1
Portion of rents representative of an appropriate interest factor		12.7		12.5		13.9		13.2		9.8		2.5
Total fixed charges	$	73.9	$	73.5	$	74.6		73.8	$	70.2	$	17.6
Ratio of consolidated earnings to fixed charges		14.68		8.67		10.58		9.22		11.06		15.18

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