Document:

Exhibit 4(f)

 

	

    	
 
    	
[P. O. Box 2606; Birmingham, Alabama 35202]
    
	
Protective   Life Insurance Company
    	
 
    	
[1-800-866-9933]
    
	
A   Stock Company
    	
 
    	
State of Domicile - [Tennessee]
    

 

LAPSE PROTECTION ENDORSEMENT

 

We have issued this endorsement as a part of the Policy to which it is attached to add Lapse Protection provisions to the Policy.  All Policy provisions not expressly modified by this endorsement remain in full force and effect.

 

Lapse Protection Guarantee:  The Policy will not lapse as long as:

 

1.              the Accumulated Net Payments Received, less any Policy Debt, is greater than or equal to the Accumulated Minimum Monthly Requirements; and

 

2.              the Policy Debt does not exceed the Cash Value.

 

Lapse Protection Net Premium (“LPNP”):  The amount after the deduction of the Lapse Protection Reduction Amount for that Year, shown on the Policy Schedule, from each premium payment.

 

Accumulated Net Payments Received (“ANPR”):   Accumulated Net Payments Received is calculated as of the end of the last Valuation Day of the month.  For each month the ANPR is equal to:

 

1.              the ANPR for the prior month ($0 for the first month of the first Year); plus

 

2.              the sum of all LPNP received since the beginning of the month; plus

 

3.              the Lapse Protection Interest for the month; less

 

4.              the reduction in Policy Value for any withdrawals taken since the beginning of the month calculated as a) multiplied by b) where:

 

a.              is the prior month ANPR, and

 

b.              is the withdrawal amount divided by the prior month’s surrender value.

 

Lapse Protection Interest:  Lapse Protection Interest is calculated as:

 

1.              the lesser of the Accumulated Fund Threshold and the sum of 1 plus 2 of the ANPR provision, multiplied by the Threshold Accumulation Factor, shown on the Policy Schedule; plus

 

2.              the amount of 1 plus 2 of the ANPR provision in excess of the Accumulated Fund Threshold, if any, multiplied by the Excess Accumulation Factor, shown on the Policy Schedule.

 

Accumulated Minimum Monthly Requirements (“AMMR”):  The Accumulated Minimum Monthly Requirements each month is equal to 1) plus 2) plus 3) multiplied by 4), where:

 

1.              Is the AMMR as of the prior month ($0 for the first month of the first Year);

 

2.              is the Net Minimum Monthly Requirement for the Policy month;

 

3.              is the Lapse Protection Monthly Adjustment Amount, shown in the Policy Schedule;

 

4.              is one plus the Threshold Accumulation Factor.

 

Net Minimum Monthly Requirement:  The Net Minimum Monthly Requirement is:

 

1

 

1.              The Minimum Monthly Requirement if the Policy Year is 2 or greater and no premium has been paid for the previous 12 months and the ANPR is less than the Accumulated Fund Threshold for the previous month;

 

2.              Otherwise the Net Minimum Monthly Requirement is the Minimum Monthly Requirement minus the Lapse Protection Reduction Amount.

 

Accumulated Fund Threshold:   For the first Month of a Year the Accumulated Fund Threshold is equal to:

 

1.              the Accumulated Fund Threshold for the prior month ($0 for the first month of the first Year) multiplied by one plus the Threshold Accumulation Factor; plus

 

2.              the Net Threshold Premium Amount, shown on the Policy Schedule, for that Year; plus,

 

3.              the annualized Lapse Protection Monthly Adjustment Amount.

 

For all other months, the Accumulated Fund Threshold is equal to the Accumulated Fund Threshold for the prior month multiplied by the Threshold Accumulation Factor.

 

Net Threshold Premium:  The Net Threshold Premium is the Threshold Premium less the Lapse Protection Reduction Amount.

 

No Accessible Value:  The Lapse Protection provisions of this endorsement do not represent accessible Policy Value available to you, or the beneficiary, for any purpose whatsoever.

 

Termination:  This endorsement terminates when the Policy to which it is attached terminates.

 

Reinstatement:  If the Policy to which this endorsement is attached is reinstated according to the applicable Policy provisions, this endorsement will also be reinstated.

 

Signed for the Company as of the Policy Effective Date.

 

PROTECTIVE LIFE INSURANCE COMPANY

 

[ABCDEF]

 

[Deborah J. Long]

[Secretary]

 

2

 

POLICY NUMBER: [SPECIMEN]

 

LAPSE PROTECTION

 

LAPSE PROTECTION MONTHLY ADJUSTMENT AMOUNT:  $[0.00]

 

LAPSE PROTECTION REDUCTION AMOUNT (“LPRA”)

(Percentage of each premium payment)

 

	
POLICY
   YEAR
    	
 
    	
LPRA
    	
 
    
	
1
    	
 
    	
[0.0000
    	
]%
    
	
2
    	
 
    	
[0.0000
    	
]
    
	
3
    	
 
    	
[0.0000
    	
]
    
	
4
    	
 
    	
[0.0000
    	
]
    
	
5
    	
 
    	
[0.0000
    	
]
    
	
6
    	
 
    	
[0.0000
    	
]
    
	
7
    	
 
    	
[0.0000
    	
]
    
	
8
    	
 
    	
[0.0000
    	
]
    
	
9
    	
 
    	
[0.0000
    	
]
    
	
10
    	
 
    	
[0.0000
    	
]
    
	
11
    	
 
    	
[0.0000
    	
]
    
	
12
    	
 
    	
[0.0000
    	
]
    
	
13
    	
 
    	
[0.0000
    	
]
    
	
14
    	
 
    	
[0.0000
    	
]
    
	
15
    	
 
    	
[0.0000
    	
]
    
	
16
    	
 
    	
[0.0000
    	
]
    
	
17
    	
 
    	
[0.0000
    	
]
    
	
18
    	
 
    	
[0.0000
    	
]
    
	
19
    	
 
    	
[0.0000
    	
]
    
	
20
    	
 
    	
[0.0000
    	
]
    
	
21
    	
 
    	
[0.0000
    	
]
    
	
22
    	
 
    	
[0.0000
    	
]
    
	
23
    	
 
    	
[0.0000
    	
]
    
	
24
    	
 
    	
[0.0000
    	
]
    
	
25
    	
 
    	
[0.0000
    	
]
    
	
26
    	
 
    	
[0.0000
    	
]
    
	
27
    	
 
    	
[0.0000
    	
]
    
	
28
    	
 
    	
[0.0000
    	
]
    
	
29
    	
 
    	
[0.0000
    	
]
    
	
30
    	
 
    	
[0.0000
    	
]
    
	
31
    	
 
    	
[0.0000
    	
]
    
	
32
    	
 
    	
[0.0000
    	
]
    
	
33
    	
 
    	
[0.0000
    	
]
    
	
34
    	
 
    	
[0.0000
    	
]
    
	
35
    	
 
    	
[0.0000
    	
]
    
	
36
    	
 
    	
[0.0000
    	
]
    
	
37
    	
 
    	
[0.0000
    	
]
    
	
38
    	
 
    	
[0.0000
    	
]
    
	
39
    	
 
    	
[0.0000
    	
]
    
	
40
    	
 
    	
[0.0000
    	
]
    
	
41
    	
 
    	
[0.0000
    	
]
    
	
42
    	
 
    	
[0.0000
    	
]
    
	
43
    	
 
    	
[0.0000
    	
]
    
	
44
    	
 
    	
[0.0000
    	
]
    
	
45
    	
 
    	
[0.0000
    	
]
    
	
46
    	
 
    	
[0.0000
    	
]
    
	
47
    	
 
    	
[0.0000
    	
]
    
	
48
    	
 
    	
[0.0000
    	
]
    
	
49
    	
 
    	
[0.0000
    	
]
    
	
50
    	
 
    	
[0.0000
    	
]
    
	
51
    	
 
    	
[0.0000
    	
]
    
	
52
    	
 
    	
[0.0000
    	
]
    
	
53
    	
 
    	
[0.0000
    	
]
    
	
54
    	
 
    	
[0.0000
    	
]
    
	
55
    	
 
    	
[0.0000
    	
]
    
	
56
    	
 
    	
[0.0000
    	
]
    
	
57
    	
 
    	
[0.0000
    	
]
    
	
58
    	
 
    	
[0.0000
    	
]
    
	
59
    	
 
    	
[0.0000
    	
]
    
	
60
    	
 
    	
[0.0000
    	
]
    
	
61
    	
 
    	
[0.0000
    	
]
    
	
62
    	
 
    	
[0.0000
    	
]
    
	
63
    	
 
    	
[0.0000
    	
]
    
	
64
    	
 
    	
[0.0000
    	
]
    
	
65
    	
 
    	
[0.0000
    	
]
    
	
66
    	
 
    	
[0.0000
    	
]
    
	
67
    	
 
    	
[0.0000
    	
]
    
	
68
    	
 
    	
[0.0000
    	
]
    
	
69
    	
 
    	
[0.0000
    	
]
    
	
70
    	
 
    	
[0.0000
    	
]
    
	
71
    	
 
    	
[0.0000
    	
]
    
	
72
    	
 
    	
[0.0000
    	
]
    
	
73
    	
 
    	
[0.0000
    	
]
    
	
74
    	
 
    	
[0.0000
    	
]
    
	
75
    	
 
    	
[0.0000
    	
]
    
	
76
    	
 
    	
[0.0000
    	
]
    
	
77
    	
 
    	
[0.0000
    	
]
    
	
78
    	
 
    	
[0.0000
    	
]
    
	
79
    	
 
    	
[0.0000
    	
]
    
	
80
    	
 
    	
[0.0000
    	
]
    
	
81
    	
 
    	
[0.0000
    	
]
    
	
82
    	
 
    	
[0.0000
    	
]
    
	
83
    	
 
    	
[0.0000
    	
]
    
	
84
    	
 
    	
[0.0000
    	
]
    
	
85
    	
 
    	
[0.0000
    	
]
    
	
86
    	
 
    	
[0.0000
    	
]
    
	
87+
    	
 
    	
[0.0000
    	
]
    

 

LP1

 

POLICY NUMBER: [SPECIMEN]

 

LAPSE PROTECTION

 

TABLE OF MINIMUM MONTHLY REQUIREMENTS

(The amounts shown below are the Minimum Monthly Requirements for each Month of the Policy Year)

 

	
POLICY
   YEAR
    	
 
    	
MINIMUM*
   MONTHLY
   REQUIREMENT
    	
 
    
	
1
    	
 
    	
$
    	
[14.95
    	
]
    
	
2
    	
 
    	
[14.95
    	
]
    
	
3
    	
 
    	
[14.95
    	
]
    
	
4
    	
 
    	
[16.53
    	
]
    
	
5
    	
 
    	
[17.93
    	
]
    
	
6
    	
 
    	
[19.26
    	
]
    
	
7
    	
 
    	
[20.53
    	
]
    
	
8
    	
 
    	
[21.75
    	
]
    
	
9
    	
 
    	
[23.10
    	
]
    
	
10
    	
 
    	
[24.64
    	
]
    
	
11
    	
 
    	
[26.67
    	
]
    
	
12
    	
 
    	
[28.83
    	
]
    
	
13
    	
 
    	
[31.24
    	
]
    
	
14
    	
 
    	
[33.47
    	
]
    
	
15
    	
 
    	
[35.61
    	
]
    
	
16
    	
 
    	
[37.42
    	
]
    
	
17
    	
 
    	
[39.42
    	
]
    
	
18
    	
 
    	
[41.47
    	
]
    
	
19
    	
 
    	
[44.08
    	
]
    
	
20
    	
 
    	
[46.67
    	
]
    
	
21
    	
 
    	
[49.67
    	
]
    
	
22
    	
 
    	
[52.87
    	
]
    
	
23
    	
 
    	
[56.15
    	
]
    
	
24
    	
 
    	
[59.36
    	
]
    
	
25
    	
 
    	
[62.82
    	
]
    
	
26
    	
 
    	
[67.97
    	
]
    
	
27
    	
 
    	
[72.59
    	
]
    
	
28
    	
 
    	
[78.07
    	
]
    
	
29
    	
 
    	
[83.94
    	
]
    
	
30
    	
 
    	
[89.84
    	
]
    
	
31
    	
 
    	
[95.79
    	
]
    
	
32
    	
 
    	
[101.61
    	
]
    
	
33
    	
 
    	
[107.29
    	
]
    
	
34
    	
 
    	
[113.23
    	
]
    
	
35
    	
 
    	
[119.10
    	
]
    
	
36
    	
 
    	
[126.07
    	
]
    
	
37
    	
 
    	
[133.57
    	
]
    
	
38
    	
 
    	
[143.14
    	
]
    
	
39
    	
 
    	
[152.77
    	
]
    
	
40
    	
 
    	
[162.53
    	
]
    
	
41
    	
 
    	
[172.77
    	
]
    
	
42
    	
 
    	
[182.99
    	
]
    
	
43
    	
 
    	
[194.43
    	
]
    
	
44
    	
 
    	
[207.26
    	
]
    
	
45
    	
 
    	
[221.44
    	
]
    
	
46
    	
 
    	
[236.22
    	
]
    
	
47
    	
 
    	
[252.31
    	
]
    
	
48
    	
 
    	
[268.27
    	
]
    
	
49
    	
 
    	
[284.69
    	
]
    
	
50
    	
 
    	
[302.16
    	
]
    
	
51
    	
 
    	
[320.86
    	
]
    
	
52
    	
 
    	
[340.78
    	
]
    
	
53
    	
 
    	
[361.55
    	
]
    
	
54
    	
 
    	
[382.86
    	
]
    
	
55
    	
 
    	
[404.4
    	
]
    
	
56
    	
 
    	
[425.94
    	
]
    
	
57
    	
 
    	
[445.25
    	
]
    
	
58
    	
 
    	
[464.67
    	
]
    
	
59
    	
 
    	
[484.45
    	
]
    
	
60
    	
 
    	
[504.71
    	
]
    
	
61
    	
 
    	
[525.31
    	
]
    
	
62
    	
 
    	
[545.16
    	
]
    
	
63
    	
 
    	
[565.84
    	
]
    
	
64
    	
 
    	
[587.40
    	
]
    
	
65
    	
 
    	
[609.88
    	
]
    
	
66
    	
 
    	
[633.36
    	
]
    
	
67
    	
 
    	
[651.57
    	
]
    
	
68
    	
 
    	
[670.62
    	
]
    
	
69
    	
 
    	
[690.53
    	
]
    
	
70
    	
 
    	
[711.32
    	
]
    
	
71
    	
 
    	
[732.73
    	
]
    
	
72
    	
 
    	
[755.07
    	
]
    
	
73
    	
 
    	
[778.38
    	
]
    
	
74
    	
 
    	
[802.68
    	
]
    
	
75
    	
 
    	
[828.01
    	
]
    
	
76
    	
 
    	
[854.37
    	
]
    
	
77
    	
 
    	
[881.83
    	
]
    
	
78
    	
 
    	
[910.39
    	
]
    
	
79
    	
 
    	
[940.12
    	
]
    
	
80
    	
 
    	
[971.03
    	
]
    
	
81
    	
 
    	
[1,003.17
    	
]
    
	
82
    	
 
    	
[1,036.58
    	
]
    
	
83
    	
 
    	
[1,071.28
    	
]
    
	
84
    	
 
    	
[1,107.35
    	
]
    
	
85
    	
 
    	
[1,144.80
    	
]
    
	
86
    	
 
    	
[1,182.05
    	
]
    
	
87+
    	
 
    	
[0.00
    	
]
    
					

 

*The Minimum Monthly Requirement is not a premium.  It does not represent a specific payment required to maintain the lapse protection.  Please contact us in the event you require information regarding the minimum premium payment necessary to maintain the lapse protection.

 

LP2

 

POLICY NUMBER: [SPECIMEN]

 

LAPSE PROTECTION

 

TABLE OF ANNUAL THRESHOLD PREMIUMS

 

	
POLICY
   YEAR 
    	
 
    	
ANNUAL
   THRESHOLD
   PREMIUM
    	
 
    
	
1
    	
 
    	
$
    	
[756.10
    	
]
    
	
2
    	
 
    	
[756.10
    	
]
    
	
3
    	
 
    	
[756.10
    	
]
    
	
4
    	
 
    	
[756.10
    	
]
    
	
5
    	
 
    	
[756.10
    	
]
    
	
6
    	
 
    	
[756.10
    	
]
    
	
7
    	
 
    	
[756.10
    	
]
    
	
8
    	
 
    	
[756.10
    	
]
    
	
9
    	
 
    	
[756.10
    	
]
    
	
10
    	
 
    	
[756.10
    	
]
    
	
11
    	
 
    	
[756.10
    	
]
    
	
12
    	
 
    	
[756.10
    	
]
    
	
13
    	
 
    	
[756.10
    	
]
    
	
14
    	
 
    	
[756.10
    	
]
    
	
15
    	
 
    	
[756.10
    	
]
    
	
16
    	
 
    	
[756.10
    	
]
    
	
17
    	
 
    	
[756.10
    	
]
    
	
18
    	
 
    	
[756.10
    	
]
    
	
19
    	
 
    	
[756.10
    	
]
    
	
20
    	
 
    	
[756.10
    	
]
    
	
21
    	
 
    	
[756.10
    	
]
    
	
22
    	
 
    	
[756.10
    	
]
    
	
23
    	
 
    	
[756.10
    	
]
    
	
24
    	
 
    	
[756.10
    	
]
    
	
25
    	
 
    	
[756.10
    	
]
    
	
26
    	
 
    	
[756.10
    	
]
    
	
27
    	
 
    	
[756.10
    	
]
    
	
28
    	
 
    	
[756.10
    	
]
    
	
29
    	
 
    	
[756.10
    	
]
    
	
30
    	
 
    	
[756.10
    	
]
    
	
31
    	
 
    	
[756.10
    	
]
    
	
32
    	
 
    	
[756.10
    	
]
    
	
33
    	
 
    	
[756.10
    	
]
    
	
34
    	
 
    	
[756.10
    	
]
    
	
35
    	
 
    	
[756.10
    	
]
    
	
36
    	
 
    	
[756.10
    	
]
    
	
37
    	
 
    	
[756.10
    	
]
    
	
38
    	
 
    	
[756.10
    	
]
    
	
39
    	
 
    	
[756.10
    	
]
    
	
40
    	
 
    	
[756.10
    	
]
    
	
41
    	
 
    	
[756.10
    	
]
    
	
42
    	
 
    	
[756.10
    	
]
    
	
43
    	
 
    	
[756.10
    	
]
    
	
44
    	
 
    	
[756.10
    	
]
    
	
45
    	
 
    	
[756.10
    	
]
    
	
46
    	
 
    	
[756.10
    	
]
    
	
47
    	
 
    	
[756.10
    	
]
    
	
48
    	
 
    	
[756.10
    	
]
    
	
49
    	
 
    	
[756.10
    	
]
    
	
50
    	
 
    	
[756.10
    	
]
    
	
51
    	
 
    	
[756.10
    	
]
    
	
52
    	
 
    	
[756.10
    	
]
    
	
53
    	
 
    	
[756.10
    	
]
    
	
54
    	
 
    	
[756.10
    	
]
    
	
55
    	
 
    	
[756.10
    	
]
    
	
56
    	
 
    	
[756.10
    	
]
    
	
57
    	
 
    	
[756.10
    	
]
    
	
58
    	
 
    	
[756.10
    	
]
    
	
59
    	
 
    	
[756.10
    	
]
    
	
60
    	
 
    	
[756.10
    	
]
    
	
61
    	
 
    	
[756.10
    	
]
    
	
62
    	
 
    	
[756.10
    	
]
    
	
63
    	
 
    	
[756.10
    	
]
    
	
64
    	
 
    	
[756.10
    	
]
    
	
65
    	
 
    	
[756.10
    	
]
    
	
66
    	
 
    	
[756.10
    	
]
    
	
67
    	
 
    	
[756.10
    	
]
    
	
68
    	
 
    	
[756.10
    	
]
    
	
69
    	
 
    	
[756.10
    	
]
    
	
70
    	
 
    	
[756.10
    	
]
    
	
71
    	
 
    	
[756.10
    	
]
    
	
72
    	
 
    	
[756.10
    	
]
    
	
73
    	
 
    	
[756.10
    	
]
    
	
74
    	
 
    	
[756.10
    	
]
    
	
75
    	
 
    	
[756.10
    	
]
    
	
76
    	
 
    	
[756.10
    	
]
    
	
77
    	
 
    	
[756.10
    	
]
    
	
78
    	
 
    	
[756.10
    	
]
    
	
79
    	
 
    	
[756.10
    	
]
    
	
80
    	
 
    	
[756.10
    	
]
    
	
81
    	
 
    	
[756.10
    	
]
    
	
82
    	
 
    	
[756.10
    	
]
    
	
83
    	
 
    	
[756.10
    	
]
    
	
84
    	
 
    	
[756.10
    	
]
    
	
85
    	
 
    	
[756.10
    	
]
    
	
86
    	
 
    	
[756.10
    	
]
    
	
87+
    	
 
    	
[0.00
    	
]
    
					

 

LP3

 

POLICY NUMBER: [SPECIMEN]

 

LAPSE PROTECTION

 

TABLE OF MONTHLY ACCUMULATION FACTORS

Threshold Accumulation Factor (“TAF”) and Excess Accumulation Factor (“EAF”)

 

	
POLICY
   YEAR
    	
 
    	
TAF
    	
 
    	
EAF
    	
 
    
	
1
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
2
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
3
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
4
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
5
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
6
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
7
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
8
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
9
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
10
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
11
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
12
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
13
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
14
    	
 
    	
[0.00526169
    	
]
    	
[0.00124149
    	
]
    
	
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63
    	
 
    	
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81
    	
 
    	
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82
    	
 
    	
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83
    	
 
    	
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84
    	
 
    	
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85
    	
 
    	
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86
    	
 
    	
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87+
    	
 
    	
[0.00000000
    	
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]
    

 

LP4Exhibit 4(g)

 

	

    	
 
    	
 

[P. O. Box 2606;   Birmingham, Alabama 35202]
    
	
Protective Life Insurance Company
    	
 
    	
[1-800-866-9933]
    
	
A Stock Company
    	
 
    	
State of Domicile -   [Tennessee]
    

 

ALLOCATION BY INVESTMENT CATEGORY ENDORSEMENT

 

We have issued this endorsement as a part of the Policy to which it is attached.  While this endorsement is in force, your policy allocation is restricted by the Allocation by Investment Category (“AIC”) guidelines.

 

Allocation by Investment Category:  The AIC guidelines divide the Investment Options into categories and specify the range of percentages that must be allocated to each category.  Within each category, you select the investment options and amounts allocated to them, provided the total percentage in each category is not less than the minimum required, nor more than the maximum permitted.  The AIC guideline categories and percentage ranges on the Effective Date are shown on the Policy Schedule.  Investment options in each category as of the Effective Date are shown in the application.

 

We may change the AIC guidelines from time to time by notifying you in writing at the address contained in our records.  If we do change the AIC guidelines, we will not require you to re-allocate your Policy Value.  We will continue to apply Premium Payments you remit without allocation instructions according to the allocation established before the AIC guidelines changed.

 

However, allocation instructions that accompany a Premium Payment and instructions to transfer Policy Value among the Investment Options change the allocation as of the Valuation Period during which we receive the instruction, must meet the AIC guidelines in effect at that time.  Anytime the allocation changes, we re-allocate the Policy Value according to the new allocation.  Premium Payments applied to the Policy after that date, will be made according to that allocation until you send a subsequent instruction that changes the allocation and that satisfies the AIC guidelines then in effect.

 

In addition to the re-allocation of Policy Value that occurs each time the allocation is changed, we rebalance the Variable Account Value to the current allocation semi-annually based on the Effective Date, unless you instruct us to rebalance quarterly or annually.

 

Amounts transferred to the Loan Account for a Policy Loan and amounts deducted from the Policy Value to satisfy a withdrawal request are deducted from the Investment Options in the same proportion that the value of each bears to the total Policy Value on that date.  We will automatically rebalance the Variable Account after each loan or withdrawal.

 

Impact on Lapse Protection:  If at any time the AIC guidelines are not met, any lapse protection provisions contained within the Policy, or any endorsement attached to the Policy will terminate and may not be reinstated.

 

1

 

Termination:  This endorsement terminates when the Policy to which it is attached terminates.

 

Reinstatement:  If the Policy to which this endorsement is attached is reinstated according to the applicable Policy provisions, this endorsement will also be reinstated.

 

Signed for the Company as of the Policy Effective Date.

 

PROTECTIVE LIFE INSURANCE COMPANY

 

[ABCDEF]

 

[Deborah J. Long]

[Secretary]

 

2

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00226-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00226-of-00352.parquet"}]]