For the nine months
ended September 30,

For the year ended December 31,

($ in millions)

2013

2012

2012

2011

2010

2009

2008

1.

Income from operations before income taxes

$

2,153

$

2,762

$

3,306

$

959

$

1,100

$

1,300

$

(2,815

)

Fixed charges:

2.

Interest on indebtedness

$

280

$

281

$

373

$

367

$

367

$

392

$

351

3.

Interest factor of annual rental expense

14

11

15

24

26

31

43

4.

Interest credited to contractholder funds

973

959

1,316

1,645

1,807

2,126

2,411

5.

Total fixed charges (2+3+4)

$

1,267

$

1,251

$

1,704

$

2,036

$

2,200

$

2,549

$

2,805

6.

Preferred stock dividends

6

—

—

—

—

—

—

7.

Total fixed charges and preferred stock dividends (5+6)

$

1,273

$

1,251

$

1,704

$

2,036

$

2,200

$

2,549

$

2,805

8.

Income from operations before income taxes and fixed charges (1+5)

$

3,420

$

4,013

$

5,010

$

2,995

$

3,300

$

3,849

$

(10

)

9.

Ratio of earnings to fixed charges (A) (8/5)

2.7

X

3.2

X

2.9

X

1.5

X

1.5

X

1.5

X

—

X

10.

Income from operations before income taxes and fixed charges and preferred stock dividends (1+7)

$

3,426

$

4,013

$

5,010

$

2,995

$

3,300

$

3,849

$

(10

)

11.

Ratio of earnings to fixed charges and preferred stock dividends (A) (10/7)

2.7

X

3.2

X

2.9

X

1.5

X

1.5

X

1.5

X

—

X

(A)

Earnings for the year ended December 31, 2008 were insufficient to cover fixed charges and combined fixed charges and preferred stock dividends by $2.82 billion.