EXHIBIT 12.1

ASSURANT, INC.

COMPUTATION OF RATIO OF CONSOLIDATED EARNINGS TO FIXED CHARGES

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

	2008		2009		2010		2011		2012		June 30, 2013
Income before income taxes	$	563.6	$	714.3	$	606.5	$	706.2	$	757.8	$	417.2
Fixed charges		73.5		74.6		73.8		70.2		70.2		41.0
Income as adjusted	$	637.1	$	788.9	$	680.3	$	776.4	$	828.0	$	458.2
Fixed charges:
Interest expense, including discount amortization and preferred stock dividends (1)	$	61.0	$	60.7	$	60.6	$	60.4	$	60.3	$	36.6
Portion of rents representative of an appropriate interest factor		12.5		13.9		13.2		9.8		9.9		4.4
Total fixed charges	$	73.5	$	74.6	$	73.8	$	70.2	$	70.2	$	41.0
Ratio of consolidated earnings to fixed charges		8.67		10.58		9.22		11.06		11.79		11.18

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