Exhibit 4.(n)


	
  Protective Life Insurance Company

  	
   

  	
  P. O. Box 10648

  	
   

  	
  Birmingham, Alabama
  35202-0648

  



 


ENHANCED GMWB WITHDRAWAL PERCENTAGES FOR CERTAIN
MEDICAL CONDITIONS


We are amending the Guaranteed
Minimum Withdrawal Benefit Rider included with your Contract to describe the
availability of enhanced GMWB Withdrawal Percentages for Covered Persons with
certain qualifying medical conditions.


Enhanced GMWB Withdrawal
Percentage:  If the
waiting period has elapsed and you have not established the Benefit Election
Date under your current Guaranteed Minimum Withdrawal Benefit Rider, you may
request a medical evaluation to determine if the Covered Person – or the older
of both of the Covered Persons – qualifies for a higher GMWB Withdrawal Percentage.


We, in our sole
discretion, establish the criteria that qualify a Covered Person for an
enhanced GMWB 

Withdrawal Percentage and determine the associated GWMB Withdrawal Percentage
enhancement.


From time to time, we
will establish the criteria for qualification of a Covered Person and the
associated GMWB Withdrawal Percentage enhancement, if any.  When establishing these criteria, we will
consider factors such as, our judgment of: 
the Covered Person(s)’ medical condition; the efficacy of current and
future treatment modalities; general market conditions including the
performance of the Benefit Allocation Models; and, our experience and actuarial
assumptions for the GMWB Rider at the time we receive the request for a medical
evaluation.  We will apply these criteria
equitably to all Covered Persons.  Since
each of these factors will vary over time, our decision regarding any
individual request for a medical evaluation is not representative of the
decision we will reach at any time in the future.


{Waiting Period:  You may not request a
medical evaluation prior to the later of {two years} after: a) the Contract
Effective Date; or, b) the date of the most recent change of Owner.}


Requesting a Medical Evaluation:
You must request a medical evaluation by Written Notice prior to establishing
the Benefit Election Date.  We will
require a valid, properly executed Medical Authorization in order to obtain
your medical records, and will begin the evaluation process promptly upon our
receipt of the necessary forms in good order. 
You may, but are not required to, include any medical records in your
possession that you would like us to consider. After we conclude the medical
evaluation, we will send you our decision in writing.  Any enhanced GMWB Withdrawal Percentage we
offer expires 6 months after the date of our written decision notice to you.


Accepting the Enhanced GMWB
Withdrawal Percentage: 
You accept the enhanced GMWB Withdrawal Percentage offer by establishing
a Benefit Election Date within 6 months of the date of a written decision notice
containing the enhanced GMWB Withdrawal Percentage offer.  If you do not accept our enhanced GMWB Withdrawal
Percentage offer before it expires, you must wait at least one year from the
date of our written decision notice before requesting a subsequent  medical evaluation.


Cost of the Medical Evaluation:  If you request a medical evaluation and
accept our offer for an enhanced GMWB 


Withdrawal Percentage, we
will assess a fee to cover the costs associated with your request.  The fee is currently {$150} per Covered
Person.  The fee is subject to change but
will never exceed $300 per Covered Person. 
The fee will be deducted from the Contract Value as of the Valuation
Period that contains the Benefit Election Date on which you accept our enhanced
GMWB Withdrawal Percentage offer.


We will assess the
medical evaluation fee for each medical evaluation you request after the
second, regardless of whether we make an enhanced GMWB Withdrawal Percentage
offer or whether it is accepted.  In
these cases, we will assess the current fee at the time you request a third or
subsequent medical evaluation.


Signed for the Company
and made a part of the Contract as of the GMWB Rider Effective Date.


Protective Life Insurance
Company


	
  

  
	
   

  
	
  Secretary

  



 



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