Exhibit 12.1

MetLife, Inc.
Ratio of Earnings to Fixed Charges

	For the Nine Months
	Ended September 30,					For the Years Ended December 31,
	2007			2006		2006			2005			2004			2003		2002
						(In millions)
Income from continuing operations before provisions for income tax	$	4,463		$	3,128	$	4,178		$	4,304		$	3,574		$	2,359	$	1,406
Minority interest		186			183		234			154			152			110		73
Undistributed income and losses from investees		(396	)		43		(169	)		(106	)		(108	)		144		153
ADJUSTED EARNINGS BEFORE FIXED CHARGES	$	4,253		$	3,354	$	4,243		$	4,352		$	3,618		$	2,613	$	1,632
ADD: FIXED CHARGES
Interest and debt issue costs		806			671		900			659			408			478		403
Estimated interest component of rent expense (1)		48			48		66			68			61			59		86
Interest credited to bank deposits		150			142		194			109			39			17		7
Interest credited to policyholder account balances		4,300			3,785		5,171			3,887			2,997			3,035		2,950
TOTAL FIXED CHARGES	$	5,304		$	4,646	$	6,331		$	4,723		$	3,505		$	3,589	$	3,446
Preferred Stock Dividend		143			137		182			88			—			—		—
TOTAL FIXED CHARGES PLUS PREFERRED STOCK DIVIDENDS	$	5,447		$	4,783	$	6,513		$	4,811		$	3,505		$	3,589	$	3,446
TOTAL EARNINGS AND FIXED CHARGES	$	9,557		$	8,000	$	10,574		$	9,075		$	7,123		$	6,202	$	5,078
RATIO OF EARNINGS TO FIXED CHARGES		1.80			1.72		1.67			1.92			2.03			1.73		1.47
TOTAL EARNINGS INCLUDING FIXED CHARGES AND PREFERRED STOCK DIVIDENDS	$	9,700		$	8,137	$	10,756		$	9,163		$	7,123		$	6,202	$	5,078
RATIO OF EARNINGS TO FIXED CHARGES AND PREFERRED STOCK DIVIDENDS		1.78			1.70		1.65			1.90			2.03			1.73		1.47
1)  21.4% for 2007, 23.1% for 2006, 2005, 2004 and 2003 and 29.1% for 2002.