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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 | ||||||||||||||||
Income before income taxes | $ | 563.6 | $ | 714.3 | $ | 606.5 | $ | 706.2 | $ | 757.8 | ||||||||||
Fixed charges | 73.5 | 74.6 | 73.8 | 70.2 | 70.2 | |||||||||||||||
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Income as adjusted | $ | 637.1 | $ | 788.9 | $ | 680.3 | $ | 776.4 | $ | 828.0 | ||||||||||
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Fixed charges: | ||||||||||||||||||||
Interest expense, including discount amortization and preferred stock dividends | $ | 61.0 | $ | 60.7 | $ | 60.6 | $ | 60.4 | $ | 60.3 | ||||||||||
Portion of rents representative of an appropriate interest factor (1) | 12.5 | 13.9 | 13.2 | 9.8 | 9.9 | |||||||||||||||
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Total fixed charges | $ | 73.5 | $ | 74.6 | $ | 73.8 | $ | 70.2 | $ | 70.2 | ||||||||||
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Ratio of consolidated earnings to fixed charges | 8.67 | 10.58 | 9.22 | 11.06 | 11.79 | |||||||||||||||
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| (1) | Preferred stock issued is recorded as a liability, thus the corresponding dividend is recorded as interest expense. |