Assurant (AIZ) 10-Q 2009 Q3 Quarterly report

EXHIBIT 12.1

ASSURANT, INC.

COMPUTATION OF RATIO OF CONSOLIDATED EARNINGS TO FIXED CHARGES

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

	2003		2004		2005		2006		2007		2008		September 30, 2009
Income before income taxes	$	259.4	$	535.9	$	655.6	$	1,095.7	$	1,011.0	$	563.3	$	648.5
Fixed charges		13.5		69.0		72.9		74.6		73.9		73.1		55.4
Income as adjusted	$	272.9	$	604.9	$	728.5	$	1,170.3	$	1,084.9	$	636.4	$	703.9
Fixed charges:
Interest expensed, including discount amortization and preferred stock dividends	$	1.2	$	56.4	$	61.3	$	61.2	$	61.2	$	61.0	$	45.5
Portion of rents representative of an appropriate interest factor (1)		12.3		12.6		11.6		13.4		12.7		12.1		9.9
Total fixed charges	$	13.5	$	69.0	$	72.9	$	74.6	$	73.9	$	73.1	$	55.4
Ratio of consolidated earnings to fixed charges		20.23		8.77		9.99		15.69		14.67		8.70		12.71

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