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Exhibit 4(d)  

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

ANNUAL BONUS ENDORSEMENT  

        We are amending the Contract to which this endorsement is attached by adding the following provisions: 

        Annual Bonus—Beginning on the {Nth} Contract Anniversary and continuing {through the Annuity Commencement Date}
while the Contract remains in force, we will calculate an Annual Bonus and add that amount to the Contract Value. The Annual Bonus is calculated as of the end of the Valuation Period that includes the
Contract Anniversary and will be added to the Contract Value as of the following Valuation Period. 

        Calculating the Annual Bonus—We calculate the Annual Bonus by multiplying the Contract Value as of the Contract Anniversary
for which the bonus is being calculated by the Annual Bonus rate for that Contract Anniversary as shown on your Certificate or Schedule. 

        Applying the Annual Bonus—We will add the Annual Bonus as of the Valuation Period immediately following the Valuation Period
during which it was calculated. We will apply the bonus to the Contract according to the Purchase Payment allocation instructions in effect on that date, but the Annual Bonus will not be considered a
Purchase Payment for any purpose. 

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

PROTECTIVE
LIFE INSURANCE COMPANY 

/s/  DEBORAH J. LONG     
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Exhibit 4(e)  

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

 
 

WAIVER OF SURRENDER CHARGE ENDORSEMENT
  for Terminal Illness or Nursing Home Confinement    
    

We
are amending the Contract to which this endorsement is attached by adding the following provisions: 

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 that is satisfactory to us of a terminal illness or nursing home confinement. 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. 

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

	PROTECTIVE LIFE INSURANCE COMPANY	 	 
	

/s/  DEBORAH J. LONG      
 Secretary

	
 	

 

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Exhibit 4(f)  

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

 
 

GUARANTEED ACCOUNT ENDORSEMENT    
    

        We are amending the Contract to which this endorsement is attached as described below: 

	1.
	The
definition for Contract Value is deleted and replaced by the definition below: 

Contract Value:    Prior to the Annuity Commencement Date, the sum of the Variable Account value and the Guaranteed Account value attributable
to a Contract, or Certificate issued under a Contract. 

	2.
	The
first paragraph of the provision entitled "Variable Account Value" in the "VARIABLE
ACCOUNT" section of your Contract is deleted and replaced by the paragraph below: 

Variable Account Value—At any time prior to the Annuity Commencement Date, the Variable Account value is equal to: 

	(1)
	Purchase
Payments allocated to the Variable Account; plus

	(2)
	amounts
transferred into the Variable Account; plus

	(3)
	other
amounts applied to the Variable Account; plus or minus

	(4)
	investment
performance; minus

	(5)
	amounts
transferred out of the Variable Account; minus

	(6)
	the
amount of any surrenders removed from the Variable Account including any applicable surrender charges; minus

	(7)
	other
charges, fees and premium tax deducted from the Variable Account. 

The
Variable Account value equals the total of the Sub-Account values. 

	3.
	The
following provisions are added to your Contract. 

 
 

DEFINITIONS    
    

        Guaranteed Account:    Includes any Allocation Option we may offer with interest rate guarantees. 

 
 

GUARANTEED ACCOUNT    
    

        General Description—The Guaranteed Account includes the Fixed Account and the DCA Fixed Accounts, which are each a part of the
Company=s general account. Amounts allocated to an account in the Guaranteed Account earn interest from the date they are credited to the account. 

        We,
in our sole discretion, establish interest rates for each account in the Guaranteed Account. We will not declare a rate that yields values less than those required by the state in
which the Contract is delivered. Because interest rates vary from time to time, allocations made to the same account in the Guaranteed Account at different times may earn interest at different rates. 

        Fixed Account—Generally, you may allocate some or all of your Purchase Payments and may transfer some or all of your Contract
Value to the Fixed Account. The interest rate we apply to a Purchase Payment or a transfer allocated to the Fixed Account is guaranteed for one year from the date it is credited to the account. When
an interest rate guarantee expires, we will set a new interest rate, which may not be the same as the interest rate then in effect for a subsequent Purchase Payment allocated to the Fixed Account. The
new interest rate is also guaranteed for one year. 

1

 

        DCA Fixed Accounts—The DCA Fixed Accounts are available only for Purchase Payments designated for dollar cost averaging. You
may allocate a Purchase Payment to a DCA Fixed Account only when the value of that DCA Fixed Account is $0. The entire value of a DCA Fixed Account must be transferred to the Variable Account prior to
allocating any new Purchase Payment to that DCA Fixed Account. Allocations to a DCA Fixed Account must include instructions regarding transfer frequency and the Sub-Accounts into which the
transfers are to be made. 

        We
will systematically transfer Purchase Payments allocated to a DCA Fixed Account into the Variable Account in equal amounts over the period we allow for that DCA Fixed Account. The
interest rate we apply to a Purchase Payment allocated to a DCA Fixed Account is guaranteed for the period over which transfers are allowed from that DCA Fixed Account. Interest credited to a DCA
Fixed Account will be accumulated and transferred from the DCA Fixed Account after the last dollar cost averaging transfer. 

        Guaranteed Account Value—Prior to the Annuity Commencement Date, the Guaranteed Account value is equal to: 

	(1)
	Purchase
Payments allocated to the Guaranteed Account; plus

	(2)
	interest,
and other amounts credited to the Guaranteed Account; minus

	(3)
	amounts
transferred out of the Guaranteed Account; minus

	(4)
	the
amount of any surrenders removed from the Guaranteed Account including any applicable surrender charges; minus

	(5)
	other
charges and fees deducted from the Guaranteed Account. 

        For
the purposes of interest crediting, amounts deducted, transferred or withdrawn from accounts in the Guaranteed Account will be separately accounted for on a Afirst-in,
first-out@ (FIFO) basis. 

 
 

TRANSFERS    
    

        There are limitations on transfers involving the Guaranteed Account. Amounts transferred to the Variable Account from the Guaranteed Account may not be
transferred into the Fixed Account until after {6} months from the date that amount was first transferred to the Variable Account. 

        The
maximum amount that may be transferred out of the Fixed Account in any Contract Year is the greater of (a) $2,500; or (b) 25% of the Fixed Account value as of the prior
Contract Anniversary, plus 25% of any Purchase Payments and transfers allocated to the Fixed Account since the prior Contract Anniversary. 

        Transfers
into a DCA Fixed Account are not permitted. Dollar cost averaging transfers into any account in the Guaranteed Account or the {OppenheimerFunds Money} Sub-Account
are not permitted. If dollar cost averaging transfers from a DCA Fixed Account are terminated, we will transfer any amount remaining in that DCA Fixed Account into the Sub-Accounts
according to the allocation instruction in effect for that DCA Fixed Account at the time the dollar cost averaging transfers are terminated, unless you have otherwise instructed us how to allocate the
remaining amount. 

 
 

SURRENDERS    
    

        Surrenders from the Guaranteed Account—The Company may delay payment of a partial or full surrender from the Guaranteed
Account for up to six months where permitted. 

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

PROTECTIVE
LIFE INSURANCE COMPANY 

	

/s/ DEBORAH J. LONG
 Deborah J. Long
 Secretary	
 	

 

2

 
 
 

MINIMUM GUARANTEED ACCOUNT VALUES    
    

        This table illustrates the accumulation of an annual $10,000 Purchase Payment made at the beginning of each Contract Year at the minimum guaranteed interest rate,
annual contract maintenance fee and surrender charge schedule applicable to this Contract. 

	Year
 
	 	Beginning

Contract

Value
	 	Ending

Contract

Value
	 	Surrender

Charge

Percentage
	 	Free

Withdrawal

Amount
	 	Ending

Surrender

Value
	 	Effective

Rate of

Return
	 
	1	 	$	10,000	 	$	10,120	 	7.0	%	$	1,000	 	$	9,482	 	-5.18	%
	2	 	$	20,120	 	$	20,392	 	6.0	%	$	2,012	 	$	19,289	 	-2.39	%
	3	 	$	30,392	 	$	30,818	 	6.0	%	$	3,039	 	$	29,151	 	-1.43	%
	4	 	$	40,818	 	$	41,400	 	5.0	%	$	4,082	 	$	39,534	 	-0.47	%
	5	 	$	51,400	 	$	52,171	 	4.0	%	$	5,140	 	$	50,290	 	0.19	%
	6	 	$	62,171	 	$	63,104	 	3.0	%	$	6,217	 	$	61,397	 	0.66	%
	7	 	$	73,104	 	$	74,200	 	2.0	%	$	7,310	 	$	72,862	 	1.00	%
	8	 	$	84,200	 	$	85,463	 	0	%	$	8,420	 	$	85,463	 	1.47	%
	9	 	$	95,463	 	$	96,895	 	0	%	$	9,546	 	$	96,895	 	1.47	%
	10	 	$	106,895	 	$	108,498	 	0	%	$	10,600	 	$	108,498	 	1.48	%

3

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GUARANTEED ACCOUNT ENDORSEMENT

DEFINITIONS

GUARANTEED ACCOUNT

TRANSFERS

SURRENDERS

MINIMUM GUARANTEED ACCOUNT VALUES

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