Document:

Exhibit 4(e)  

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

RETURN OF PURCHASE PAYMENTS

VARIABLE ANNUITY DEATH BENEFIT RIDER  

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

	1.
	The
provision entitled "Death Benefit" in the "DEATH BENEFIT" section of your Contract
is deleted in its entirety.

	2.
	The
following provisions are added to the "DEATH BENEFIT" section of your Contract. 

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: 

	•
	the
Contract Value; or

	•
	aggregate
Purchase Payments less an adjustment for each surrender. 

For
the purpose of calculating the death benefit, the adjustment for each partial surrender will equal the amount that reduces the death benefit in the same proportion that the amount surrendered
reduced the Contract Value as of the Valuation Period during which that surrender was taken. 

The
maximum death benefit provided under this Rider will never exceed the Contract Value as of the end of the Valuation Period during which we receive due proof of death plus $1,000,000. 

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

Enhanced Spousal Continuation Benefit

If a sole Beneficiary is the spouse of a deceased Owner 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
to the Contract Value an amount equal to the excess of the death benefit over the Contract Value, if any, as of the date we receive due proof of death. We will allocate that amount according to the
current Purchase Payment allocation instructions, but the amount we add will not be considered a Purchase Payment. 

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. 

Rider Termination—The Rider will automatically terminate upon the occurrence of any of the following events 

	(a)
	settlement
of a claim for the death benefit;

	(b)
	the
Contract Anniversary immediately after the oldest Owner attains Age {95};

	(c)
	a
cancellation, or full surrender of the Contract;

	(d)
	annuitization.

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

PROTECTIVE
LIFE INSURANCE COMPANY 

	

 

Secretary

	
 	

 

1Exhibit 4(f)  

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

ASSET BASED FEE ENDORSEMENT

FOR

VARIABLE ANNUITY DEATH BENEFIT RIDERS  

We
are adding the following provisions to the Variable Annuity Death Benefit Rider attached to your Contract: 

Benefit Cost—The cost for the death benefit is equal, on an annualized basis, to {0.15%} of the average Contract Value on the Valuation Days
described in the next paragraph. 

Monthly Fee—Once each month while the Variable Annuity Death Benefit Rider is in force, we will calculate the fee for the death benefit and
deduct that amount from the Contract Value. The monthly fee is calculated as of the end of the Valuation Period that includes the same day of the month as the Effective Date, or the last Valuation
Period of the month if that date does not occur during the month for which the fee is being calculated. The fee is deducted from the Contract Value as of the next Valuation Period. 

Calculating the Monthly Fee—We calculate the monthly fee using the formula below: 

Monthly Fee = [ 1 - ( 1 - {0.15%})1/12] x CV , where 

CV = is the Contract Value as of the calculation date. 

Deducting the Monthly Fee—We will deduct the monthly fee as of the Valuation Period immediately following the Valuation Period for which it
was calculated. The monthly fee will be deducted pro rata from the Allocation Options in the same proportion that the value of the Allocation Option bears to the total Contract Value. Deduction of the
monthly fee is a partial surrender for the purpose of calculating the death benefit. 

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

PROTECTIVE
LIFE INSURANCE COMPANY 

	

 

Secretary

	
 	

 

1Exhibit 4(g)  

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

NET AMOUNT AT RISK FEE ENDORSEMENT

FOR

VARIABLE ANNUITY DEATH BENEFIT RIDERS  

We
are adding the following provisions to the Variable Annuity Death Benefit Rider attached to your Contract: 

Benefit Cost—The cost for the death benefit is based on its Net Amount at Risk. Net Amount at Risk is defined as the amount by which the
death benefit exceeds the Contract Value. 

Monthly Fee—Once each month beginning with the 13th month after the Effective Date and continuing as long as the Variable Annuity Death
Benefit Rider is in force, we will calculate the fee for the death benefit and deduct that amount from the Contract Value. The monthly fee is calculated as of the end of the Valuation Period that
includes the same day of the month as the Effective Date, or the last Valuation Period of the month if that date does not occur during the month for which the fee is being calculated. The fee is
deducted from the Contract Value as of the next Valuation Period. 

Calculating the Monthly Fee—We calculate the monthly fee by first dividing the Net Amount at Risk by 1000, and multiplying that number by a
NAR factor that is based on the oldest Owner's Age and gender as shown in the table on the following page. 

Monthly Fee = NAR/1000 x f , where 

NAR = is the Net Amount at Risk as of the calculation date; and
 f = is the Net Amount at Risk factor. 

The
monthly fee will vary as a result of fluctuations in the value of the death benefit and Contract Value, as well as Age based increases in the Net Amount at Risk factor. The monthly fee will be $0
anytime the death benefit equals the Contract Value as of the Valuation Period during which the monthly fee is calculated. 

Deducting the Monthly Fee—We will deduct the monthly fee as of the Valuation Period immediately following the Valuation Period during which
it was calculated. The monthly fee will be deducted pro rata from the Allocation Options in the same proportion that the value of the Allocation Option bears to the total Contract Value. Deduction of
the monthly fee is a partial surrender for the purpose of calculating the death benefit. 

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

PROTECTIVE
LIFE INSURANCE COMPANY 

	

 

Secretary

	
 	

 

1Exhibit 4(h)  

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

MIMIMUM ANNUITIZATION VALUE ENDORSEMENT  

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

Minimum Annuitization Value—If the Annuity Commencement Date is on the {Nth} Contract Anniversary, or within {W} days thereafter, and if you
select an Annuity Option providing either: i) life income, with or without a certain period; or,  ii) a certain period of at least {X} years, the
amount we apply to the Annuity Option will not be less than the greater of: 

	•
	the
Contract Value; or

	•
	aggregate
Purchase Payments less an adjustment for each surrender. 

For
the purpose of calculating the minimum annuitization value, the adjustment for each partial surrender will equal the amount that reduces the minimum annuitization value in the same proportion that
the amount surrendered reduced the Contract Value as of the Valuation Period during which that surrender was taken. 

Provided
the conditions set out in the Contract for changing the Annuity Commencement Date are met, we will accept your Written Notice changing the Annuity Commencement Date to a date that qualifies
for the minimum annuitization value. We will calculate the minimum annuitization value as of the Valuation Period that contains the Annuity Commencement Date. 

Termination—This endorsement will automatically terminate upon the earliest of: 

	(a)
	the
end of the Valuation Period that contains the {W+1} day after the {Nth} Contract Anniversary; or,

	(b)
	a
cancellation, or full surrender of the Contract. 

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

PROTECTIVE
LIFE INSURANCE COMPANY 

	

 

Secretary

	
 	

 

1Exhibit 4(i)  

CERTIFICATE  

	CONTRACT NUMBER	 	EFFECTIVE DATE
	

OWNER 1	
 	

BIRTH DATE OF OWNER 1
	

OWNER 2	
 	

BIRTH DATE OF OWNER 2
	

ANNUITANT	
 	

BIRTH DATE OF ANNUITANT
	

BENEFICIARY	
 	

ANNUITY COMMENCEMENT DATE
	

INITIAL PURCHASE PAYMENT: {$100,000.00}	
 	

 
	
SALES CHARGE PERCENTAGE APPLIED TO PURCHASE PAYMENTS

	

Contract Value or Aggregate Purchase Payments

	
 	

Sales Charge Percentage

	 	{Less than $50,000}	 	{5.50%}
	 	{At least $50,000 but less than $100,000}	 	{4.50%}
	 	{At least $100,000 but less than $250,000}	 	{3.50%}
	 	{At least $250,000 but less than $500,000}	 	{2.50%}
	 	{At least $500,000 but less than $1,000,000}	 	{2.00%}
	 	{At least $1,000,000 but less than $2,500,000}	 	{1.00%}
	 	{$2,500,000 or greater}	 	{0.50%}
	
MORTALITY AND EXPENSE RISK CHARGE
 {0.50%} per annum.	
 	

 
	
ADMINISTRATION CHARGE
 {0.10%} per annum.	
 	

 
	
DEATH BENEFIT
 {Return of Purchase Payments}	
 	

 
	
DEATH BENEFIT COST CALCULATION METHOD
 {Asset Based Fee}	
 	

 
	
CONTRACT MAINTENANCE FEE: {$30}	
 	

 
	The contract maintenance fee is deducted prior to the Annuity Commencement Date on each Contract Anniversary, and on any day that the Contract is surrendered other than the Contract Anniversary. The contract maintenance fee
will be deducted from the Allocation Options in the same proportion as their values are to the Contract Value. The contract maintenance fee will be waived by the Company in the event the Contract Value or the aggregate Purchase Payments reduced by
surrenders equals or exceeds $50,000 on the date the contract maintenance fee is to be deducted.
	
TRANSFER FEE
	{$25} per transfer in excess of 12 transfers in any Contract Year.

	 	 

1

 

	
{MINIMUM GUARANTEED INTEREST RATE FOR THE GUARANTEED ACCOUNT: {1.00%}}
	
{ANNUAL EFFECTIVE INTEREST RATES ON THE EFFECTIVE DATE:}
 {FIXED ACCOUNT—1.50%}

{DCA FIXED ACCOUNT 1—4.00%}

{DCA FIXED ACCOUNT 2—3.50%}

{DCA FIXED ACCOUNT 3—3.00%}

ALLOCATION OPTIONS AVAILABLE ON THE EFFECTIVE DATE  

	{Protective Life Guaranteed Account}	 	 
	 	{Fixed Account}	 	 
	 	{DCA Fixed Account 1}	 	 
	 	{DCA Fixed Account 2}	 	 
	 	{DCA Fixed Account 3}	 	 
	
Sub-Accounts of the

Protective Variable Annuity Separate Account:	
 	

 
	

{Goldman Sachs}	
 	
{OppenheimerFunds}
	 	{CORE Small Cap Equity}

{International Equity}

{Mid Cap Value}

{Capital Growth}

{CORE U.S. Equity}

{Growth and Income}	 	        {Global Securities SS}

        {Aggressive Growth SS}

        {Capital Appreciation SS}

        {Main Street SS}

        {Strategic Bond SS}

        {High Income SS}

        {Money}
	
{Lord Abbett}	
 	

{Van Kampen}
	 	{Growth Opportunities}

{Mid-Cap Value}

{Growth and Income}

{America's Value}

{Bond-Debenture}	 	        {Aggressive Growth II}

        {Emerging Growth II}

        {Enterprise II}

        {Comstock II}

        {Growth and Income II}

        {Government II}

        {UIF Equity and Income II}
	
{MFS Investment Management}	
 	

 
	 	{New Discovery SS}

{Emerging Growth SS}

{Investors Growth Stock SS}

{Research SS}

{Utilities SS}

{Investors Trust SS}

{Total Return SS}

	 	 

2

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