Document:

Exhibit 4(j)  

        PROTECTIVE LIFE INSURANCE COMPANY        P. O. BOX
2606        BIRMINGHAM,
ALABAMA        35202-2606  

EARNINGS ENHANCEMENT DEATH BENEFIT (EEDB) RIDER  

This
rider amends the Contract to which it is attached by adding the following provisions and making them part of the Contract as of the EEDB Rider Date. 

Earnings Enhancement Death Benefit (EEDB)  

At the time we pay the death benefit as provided in the Contract, we will pay an additional amount, if positive, determined by the formula below: 

EEDB = A × B, where  

	A =	 	40% if the EEDB Rider Date is prior to the oldest Owner's 70th birthday; or

25% if the EEDB Rider Date is on or after the oldest Owner's 70th birthday.
	
B =	
 	

the lesser of:

	(1)
	The
Contract Value minus the Earnings Benefit Base; or

	(2)
	200%
of the amount equal to: the Earnings Benefit Base minus Purchase Payments received on or after the date that is 12 months prior to the deceased Owner's date of death. 

The
Earnings Benefit Base is equal to: 

	a)
	Contract
Value on the EEDB Rider Date; plus

	b)
	Purchase
Payments accepted by the Company after the EEDB Rider Date; minus

	c)
	Purchase
Payments withdrawn from the Contract after the EEDB Rider Date, including applicable surrender charges, if any. 

The
Contract Value and the Earnings Benefit Base are determined as of the end of the Valuation Period during which we receive due proof of death. 

EEDB Spousal Continuation Election  

If a Beneficiary who is the surviving spouse of a deceased Owner qualifies for and elects, in lieu of receiving the death benefit, to continue the Contract and become the new
Owner as provided in the Contract, we will add an amount equal to the EEDB to the Contract Value. We will allocate the amount we add according to the Purchase Payment instructions then in effect but
the amount we add will not be considered a Purchase Payment. 

Earnings Enhancement Death Benefit after a Spousal Continuation Election  

After a Spousal Continuation Election, the Earnings Benefit Base will reset to: 

	a)
	Contract
Value on the date as of which we determine the amount equal to the EEDB; plus

	b)
	Purchase
Payments accepted by the Company after the date as of which we determine the amount equal to the EEDB; minus

	c)
	Purchase
Payments withdrawn from the Contract after the date as of which we determine the amount equal to the EEDB, including applicable surrender charges, if any. 

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Change of Owner  

The value for A in the EEDB formula is established on the EEDB Rider Date and is not affected by any subsequent change of Owner
except the value for A will become 0% if any new Owner was 70 years old or older on the EEDB Rider Date. 

Non-natural Owner  

If any Owner is not a natural person, provisions referring to Owner will apply to the Annuitant. 

Termination  

This rider terminates on the earlier of: 

	(1)
	Annuity
Commencement Date; or,

	(2)
	The
later of the oldest Owner's 90th birthday or the 10th Contract Anniversary. 

Once
issued, this rider may not otherwise be terminated by either the company or the Owner except by terminating the Contract. 

Cost  

While this rider is in effect, the Mortality and Expense Risk Charge for your Contract is {M&E%} per annum of the average daily net assets of the Variable Account. The
Mortality and Expense Risk Charge will be reduced by 0.25% per annum upon the termination of this rider. 

Signed
for the Company as of the EEDB Rider Date that is {DATE}. 

	PROTECTIVE LIFE INSURANCE COMPANY	 	 
	

/s/  DEBORAH J. LONG      	
 	

 
	

Secretary	
 	

 

2Exhibit 4(d)  

        PROTECTIVE LIFE INSURANCE COMPANY        P. O. BOX
2606        BIRMINGHAM,
ALABAMA        35202-2606  

DEATH BENEFIT ENDORSEMENT  

        We are amending your Contract as described below: 

	1.
	The
first paragraph of the provision entitled "Death Benefit" in the "DEATH BENEFIT"
section of your Contract is deleted in its entirety and replaced by the two paragraphs below: 

Death Benefit—The death benefit will be determined as of the end of the Valuation Period during which we receive due proof of death. The
death benefit will equal the greater of: (1) the Contract Value; or (2) aggregate Purchase Payments less an adjustment for each surrender. For the purpose of calculating the death
benefit, the adjustment for each surrender will equal the amount that reduces the death benefit in the same proportion that the amount surrendered including associated surrender charges, if any,
reduced the Contract Value as of the Valuation Period during which that surrender was taken. 

Only
one death benefit is payable under this Contract, even though the Contract may, in some circumstances, continue beyond the time of an Owner's death. 

	2.
	An  "Enhanced Spousal Continuation Benefit" provision is added to the "DEATH BENEFIT"
section of your Contract. 

Enhanced Spousal Continuation Benefit—If a Beneficiary who is the surviving spouse of a deceased Owner elects, in lieu of receiving the
death benefit, to continue the Contract and become the new Owner as provided in the Contract, we will add to the Contract Value an amount equal to the positive difference, if any, between:
1) the value of the Contract's death benefit; and, 2) the Contract Value; both determined as of the date we receive due proof of death. We will allocate the amount we add according to
the Purchase Payment instructions then in effect, but the amount we add will not be considered a Purchase Payment." 

Signed
for the company and made a part of the contract as of the Effective date. 

	PROTECTIVE LIFE INSURANCE COMPANY	 	 
	

/s/  DEBORAH J. LONG      	
 	

 
	

SecretaryExhibit 4(f)  

        PROTECTIVE LIFE INSURANCE COMPANY        P. O. BOX
10648        BIRMINGHAM,
ALABAMA        35202-0648  

ANNUAL RESET DEATH BENEFIT RIDER

Including a Waiver of Surrender Charge Benefit

for Terminal Illness or Nursing Home Confinement  

We
are amending the Contract to which this rider is attached by adding the following provisions and making them a part of the Contract as of its Effective Date: 

Annual Reset Death Benefit—We will determine an annual reset anniversary value on each Contract Anniversary occurring before the earlier of
the deceased Owner's 80th birthday or the deceased Owner's date of death. Each annual reset anniversary value is equal to the sum of: the Contract Value on that Contract Anniversary;
plus all Purchase Payments since that Contract Anniversary; less an adjustment for each surrender since that Contract Anniversary. 

Death Benefit—The death benefit will equal the greatest of: (1) the Contract Value; or (2) aggregate Purchase Payments less an
adjustment for each surrender; or (3) the greatest annual reset anniversary value attained. 

Adjustment for Each Surrender—For the purpose of calculating the death benefit, the adjustment for each surrender will equal the amount that
reduces the death benefit in the same proportion that the amount surrendered including associated surrender charges, if any, reduced the Contract Value as of the Valuation Period during which that
surrender was taken. 

Waiver of Surrender Charge—We will waive any applicable surrender charge if, at any time after the first Contract Year: 

	(1)
	you
are first diagnosed as having a terminal illness by a physician that is not related to you or the Annuitant; or,

	(2)
	you
enter, for a period of at least ninety (90) days, a facility which is both 

	(a)
	licensed
by the state; and,

	(b)
	qualified
as a skilled nursing home facility under Medicare or Medicaid. 

The
term "terminal illness" means that you are diagnosed as having a non-correctable medical condition that, with a reasonable degree of medical certainty, will result in your death in
less than 12 months. A "physician" is a medical doctor licensed by a state's Board of Medical Examiners, or similar authority in the United States, acting within the scope of his or her
license. You must submit written proof of a terminal illness or nursing home confinement satisfactory to us. A written statement from your physician or the nursing home constitutes satisfactory proof.
We reserve the right to require an examination by a physician of our choice at our expense. 

Once
the waiver of surrender charge has been granted no surrender charge will apply to the Contract in the future and no additional Purchase Payments will be accepted. 

If
any Owner is not an individual, the Waiver of Surrender Charge provisions will apply to the Annuitant. 

Suspension of Benefits—For a period of one year after any change of ownership involving a natural person, the death benefit will equal the
Contract Value and the surrender charge will not be waived under the provision above. 

Cost and Duration—Prior to the Annuity Commencement Date, the mortality and expense risk charge shown on the Schedule includes 0.15% for the
cost of this rider. The additional benefits 

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provided under this rider end on the Annuity Commencement Date, at which time the mortality and expense risk charge assessed on the portion of your contract allocated to the variable account will be
reduced by 0.15%. 

Signed
for the Company as of the Effective Date. 

	PROTECTIVE LIFE INSURANCE COMPANY	 	 
	

/s/  DEBORAH J. LONG      	
 	

 
	

Secretary	
 	

 

2Exhibit 4(h)  

        PROTECTIVE LIFE INSURANCE COMPANY        P. O. BOX
10648        BIRMINGHAM,
ALABAMA        35202-0648  

COMPOUND AND 3-YEAR RESET DEATH BENEFIT RIDER

Including a Waiver of Surrender Charge Benefit

for Terminal Illness or Nursing Home Confinement  

We
are amending the Contract to which this rider is attached by adding the following provisions and making them a part of the Contract as of its Effective Date: 

Compound Death Benefit—We will determine a compound anniversary value on the most recent Contract Anniversary before the earlier of the
deceased Owner's 80th birthday or the deceased Owner's date of death. 

The
compound anniversary value is equal to the sum of: 

	(a)
	the
accumulation to the Contract Anniversary of all Purchase Payments prior to that Contract Anniversary less an adjustment for each surrender prior to that Contract Anniversary;
plus,

	(b)
	any
Purchase Payments on or since that Contract Anniversary less an adjustment for each surrender on or since that Contract Anniversary. 

If
the Effective Date is before the deceased Owner's 71st birthday, the amounts in (a) will accumulate at an annual effective interest rate of 4.00%. If the Effective Date is on
or after the deceased Owner's 71st birthday, the amounts in (a) will accumulate at an annual effective interest rate of 3.00% 

3-Year Reset Death Benefit—We will determine a 3-year reset anniversary value every 3rd Contract
Anniversary occurring before the earlier of the deceased Owner's 80th birthday or the deceased Owner's date of death. Each 3-year reset anniversary value is equal the sum of:
the Contract Value on that Contract Anniversary; plus all Purchase Payments since that Contract Anniversary; less an adjustment for each surrender since that Contract Anniversary. 

Death Benefit—The death benefit will equal the greatest of: (1) the Contract Value; or (2) aggregate Purchase Payments less an
adjustment for each surrender; or (3) the compound anniversary value; or (4) the greatest 3-year reset anniversary value attained. 

Adjustment for Each Surrender—For the purpose of calculating the death benefit, the adjustment for each surrender will equal the amount that
reduces the death benefit in the same proportion that the amount surrendered including associated surrender charges, if any, reduced the Contract Value as of the Valuation Period during which that
surrender was taken. 

Waiver of Surrender Charge—We will waive any applicable surrender charge if, at any time after the first Contract Year: 

	(1)
	you
are first diagnosed as having a terminal illness by a physician that is not related to you or the Annuitant; or,

	(2)
	you
enter, for a period of at least ninety (90) days, a facility which is both 

	(a)
	licensed
by the state; and,

	(b)
	qualified
as a skilled nursing home facility under Medicare or Medicaid. 

The
term "terminal illness" means that you are diagnosed as having a non-correctable medical condition that, with a reasonable degree of medical certainty, will result in your death in
less than 12 months. A "physician" is a medical doctor licensed by a state's Board of Medical Examiners, or 

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similar authority in the United States, acting within the scope of his or her license. You must submit written proof of a terminal illness or nursing home confinement satisfactory to us. A written
statement from your physician or the nursing home constitutes satisfactory proof. We reserve the right to require an examination by a physician of our choice at our expense. 

Once
the waiver of surrender charge has been granted no surrender charge will apply to the Contract in the future and no additional Purchase Payments will be accepted. 

If
any Owner is not an individual, the Waiver of Surrender Charge provisions will apply to the Annuitant. 

Suspension of Benefits—For a period of one year after any change of ownership involving a natural person, the death benefit will equal the
Contract Value and the surrender charge will not be waived under the provision above. 

Cost and Duration—Prior to the Annuity Commencement Date, the mortality and expense risk charge shown on the Schedule includes 0.15% for the
cost of this rider. The additional benefits provided under this rider end on the Annuity Commencement Date, at which time the mortality and expense risk charge assessed on the portion of your contract
allocated to the variable account will be reduced by 0.15%. 

Signed
for the Company as of the Effective Date. 

	PROTECTIVE LIFE INSURANCE COMPANY	 	 
	

/s/  DEBORAH J. LONG      	
 	

 
	

Secretary	
 	

 

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