Exhibit 10.31 RESTRICTED STOCK AGREEMENT [20__] Award

Exhibit 10.31

RESTRICTED STOCK AGREEMENT

[20__] Award

Non-transferable

GRANT TO

(Name)

(“Grantee”)

by Assurant, Inc. (the “Company”) of

(Amount)

shares of its common stock, $0.01 par value (the “Shares”)

pursuant to and subject to the provisions of the Assurant Long Term Incentive Plan (the “ALTIP”), a sub-plan created under the Assurant, Inc. 2004 Long-Term Incentive Plan (the “Incentive Plan”), and to the terms and conditions set forth on the following page (the “Terms and Conditions”).

Unless sooner vested in accordance with the ALTIP, the Incentive Plan, or Section 4 of the Terms and Conditions, the restrictions imposed under Section 3 of the Terms and Conditions will expire as to the following percentage of the Shares awarded hereunder, on the following respective dates:

IN WITNESS WHEREOF, Assurant, Inc., acting by and through its duly authorized officers, has caused this Agreement to be executed as of the Grant Date.

TERMS AND CONDITIONS

1. Grant of Shares . Assurant, Inc. (the “Company”) hereby grants to the Grantee named on Page 1 (“Grantee”), subject to the restrictions and the other terms and conditions set forth in the ALTIP, the Incentive Plan, and in this award agreement (this “Agreement”), the number of shares indicated on Page 1 of the Company’s $0.01 par value common stock (the “Shares”).

2. Defined Terms . Capitalized terms used herein and not otherwise defined shall have the meanings assigned to such terms in the ALTIP or the Incentive Plan. Where a term is defined in both the ALTIP and the Incentive Plan, the definition that is in the ALTIP shall control.

3. Restrictions . The Shares are subject to each of the following restrictions. “Restricted Shares” mean those Shares that are subject to the restrictions imposed hereunder which restrictions have not then expired or terminated. Restricted Shares may not be sold, transferred, exchanged, assigned, pledged, hypothecated or otherwise encumbered. Upon termination of Grantee’s Continuous Status as a Participant, Grantee shall forfeit all of Grantee’s right, title and interest in and to the Restricted Shares as of the date of employment termination (after giving effect to any lapsed restrictions under Section 4), and such Restricted Shares shall revert to the Company immediately following the event of forfeiture. The restrictions imposed under this Section shall apply to all shares of the Company’s common stock or other securities issued with respect to Restricted Shares hereunder in connection with any merger, reorganization, consolidation, recapitalization, stock dividend or other change in corporate structure affecting the common stock of the Company.

4. Expiration and Termination of Restrictions . The restrictions imposed under Section 3 will expire on the earliest to occur of the following (the period prior to such expiration being referred to herein as the “Restricted Period”):

(a) As to the percentages of the Shares specified on page 1, on the respective dates specified on page 1; or

(b) As to all of the Restricted Shares, upon a Change of Control; or

(c) As to a number of the Restricted Shares, upon the date of Grantee’s death, or Disability, determined by (i) multiplying the aggregate number of Shares originally subject to this Agreement as specified on page 1 by a fraction, the numerator of which is the number of completed calendar months from the grant date to the date of Grantee’s death, or Disability, and the denominator of which is thirty-six (36), and (ii) subtracting from such amount that number