Exhibit 12

Exhibit 12

Genworth Financial, Inc.

Statement of Ratio of Income to Fixed Charges

(Dollar amounts in millions)


	Six months ended June 30, 2009			Years ended December 31,
	Six months ended June 30, 2009			2008			2007		2006		2005		2004
Income (loss) from continuing operations before income taxes and accounting changes	$	(887	)	$	(942	)	$	1,606	$	1,853	$	1,745	$	1,584

Fixed charges included in income (loss) from continuing operations:
Interest expense		210			470			481		364		293		217
Interest portion of rental expense		7			18			15		15		13		14

Subtotal		217			488			496		379		306		231
Interest credited to investment contractholders		538			1,293			1,552		1,520		1,423		1,431

Total fixed charges from continuing operations		755			1,781			2,048		1,899		1,729		1,662

Fixed charges included in income from discontinued operations:
Interest expense		—			—			—		—		—		—
Interest portion of rental expense		—			—			—		—		—		—

Subtotal		—			—			—		—		—		—
Interest credited to investment contractholders		—			—			1		2		2		1

Total fixed charges from discontinued operations		—			—			1		2		2		1

Total fixed charges		755			1,781			2,049		1,901		1,731		1,663

Income (loss) available for fixed charges (including interest credited to investment contractholders)	$	(132	)	$	839		$	3,655	$	3,754	$	3,476	$	3,247

Income (loss) available for fixed charges (excluding interest credited to investment contractholders)	$	(670	)	$	(454	)	$	2,102	$	2,232	$	2,051	$	1,815

Ratio of income (loss) to fixed charges (including interest credited to investment contractholders)		(0.17	)		0.47			1.78		1.97		2.01		1.95
Ratio of income (loss) to fixed charges (excluding interest credited to investment contractholders)		(3.09	)		(0.93	)		4.24		5.89		6.70		7.86

For the six months ended June 30, 2009, additional income required to achieve a 1:1 ratio coverage was $887 million.

For the year ended December 31, 2008, additional income required to achieve a 1:1 ratio coverage was $942 million.