Assurant (AIZ) 10-Q 2015 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)

	September 30, 2015		2014		2013		2012		2011		2010
Income before income taxes	$	91.0	$	744.1	$	789.7	$	757.8	$	706.2	$	606.5
Fixed charges	49.2		68.5		86.8		70.2		70.2		73.8
Income as adjusted	$	140.2	$	812.6	$	876.5	$	828.0	$	776.4	$	680.3
Fixed charges:
Interest expense, including discount       amortization and preferred stock dividends (1)	$	41.3	$	58.4	$	77.7	$	60.3	$	60.4	$	60.6
Portion of rents representative of an appropriate       interest factor	7.9		10.1		9.1		9.9		9.8		13.2
Total fixed charges	$	49.2	$	68.5	$	86.8	$	70.2	$	70.2	$	73.8
Ratio of consolidated earnings to fixed   charges	2.85		11.86		10.10		11.79		11.06		9.22

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