EXHIBIT 12.1

ASSURANT, INC.

COMPUTATION OF RATIO OF CONSOLIDATED EARNINGS TO FIXED CHARGES

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

	2006		2007		2008		2009		2010		March 31, 2011
Income before income taxes	$	1,095.7	$	1,011.0	$	563.3	$	709.6	$	606.4	$	214.6
Fixed charges		74.6		73.9		73.1		74.6		73.8		17.8
Income as adjusted	$	1,170.3	$	1,084.9	$	636.4	$	784.2	$	680.2	$	232.4
Fixed charges:
Interest expense, including discount amortization and preferred stock dividends (1)	$	61.2	$	61.2	$	61.0	$	60.7	$	60.6	$	15.1
Portion of rents representative of an appropriate interest factor		13.4		12.7		12.1		13.9		13.2		2.7
Total fixed charges	$	74.6	$	73.9	$	73.1	$	74.6	$	73.8	$	17.8
Ratio of consolidated earnings to fixed charges		15.69		14.68		8.71		10.51		9.22		13.06

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