Exhibit 12

THE ALLSTATE CORPORATION

COMPUTATION OF EARNINGS TO FIXED CHARGES RATIO

($ in millions)		For the year ended December 31,
		2013			2012			2011			2010			2009
1.	Income from operations before income tax	$	3,396		$	3,306		$	959		$	1,100		$	1,300
	Fixed Charges:
2.	Interest on indebtedness	$	367		$	373		$	367		$	367		$	392
3.	Interest factor of annual rental expense		19			15			24			26			31
4.	Interest credited to contractholder funds		1,278			1,316			1,645			1,807			2,126
5.	Total fixed charges (2+3+4)	$	1,664		$	1,704		$	2,036		$	2,200		$	2,549
6.	Preferred stock dividends		17			—			—			—			—
7.	Total fixed charges and preferred stock dividends (5+6)	$	1,681		$	1,704		$	2,036		$	2,200		$	2,549
8.	Income from operations before income taxes and fixed charges (1+5)	$	5,060		$	5,010		$	2,995		$	3,300		$	3,849
9.	Ratio of earnings to fixed charges (8/5)		3.0	X		2.9	X		1.5	X		1.5	X		1.5	X
10.	Income from operations before income taxes and fixed charges and preferred stock dividends (1+7)	$	5,077		$	5,010		$	2,995		$	3,300		$	3,849
11.	Ratio of earnings to fixed charges and preferred stock dividends (10/7)		3.0	X		2.9	X		1.5	X		1.5	X		1.5	X