Exhibit 12.1

	Year Ended December 31												Nine Months Ended September 30 2008
	2007		2006		2005		2004			2003
	(in millions, except ratios)
Earnings
Income (Loss) from Continuing Operations Before Income Tax and Cumulative Effect of Accounting Principle Change	$	997.2	$	465.4	$	693.9	$	(275.7	)	$	(452.4	)	$	771.5
Fixed Charges		210.2		221.3		239.3		239.3			219.2			139.1
Adjusted Earnings	$	1,207.4	$	686.7	$	933.2	$	(36.4	)	$	(233.2	)	$	910.6
Fixed Charges
Interest and Debt Expense	$	183.1	$	191.8	$	208.0	$	207.1		$	187.2		$	121.5
Interest Credited to Policyholders		10.7		11.5		13.8		14.2			16.7			6.9
Amortization of Deferred Debt Costs		5.0		6.1		7.8		7.3			5.4			2.5
Portion of Rents Deemed Representative of Interest		11.4		11.9		9.7		10.7			9.9			8.2
Total Fixed Charges	$	210.2	$	221.3	$	239.3	$	239.3		$	219.2		$	139.1
Ratio of Earnings to Fixed Charges (a)		5.7		3.1		3.9		(b	)		(b	)		6.5

(a) There are currently no shares of preferred stock outstanding, and we do not have a preferred stock dividend obligation. Therefore, the ratio of earnings to fixed charges and preferred stock dividends is equal to the ratio of earnings to fixed charges and is not disclosed separately.

(b) Earnings were inadequate to cover fixed charges. The coverage deficiency totaled $275.7 million and $452.4 million for the years ended December 31, 2004 and 2003, respectively.