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  Exhibit 4(e)    
    

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

 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 × 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.
We will not assess a surrender charge on these deductions and the deductions will not reduce any penalty free surrender amount available under the Contract. 

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

PROTECTIVE
LIFE INSURANCE COMPANY 

	
	

 
	Secretary

1

 
 NET AMOUNT AT RISK FACTORS  

        This table shows the guaranteed maximum cost for each $1,000 of Net Amount at Risk associated with the Variable Annuity Death Benefits
based on the Oldest Owner=s Gender and Age on the date the monthly charge is being determined. 

																
	AGE

 
	 	MALE 	 	FEMALE 	 	AGE

 
	 	MALE 	 	FEMALE 	 
	 50 & under
	 	{$	0.25034}	 	{$	0.25034}	 	 73
	 	{$	2.53505}	 	{$	2.53505}	 
	 51
	 	{$	0.50138}	 	{$	0.50138}	 	 74
	 	{$	2.53505}	 	{$	2.53505}	 
	 52
	 	{$	0.50138}	 	{$	0.50138}	 	 75
	 	{$	2.53505}	 	{$	2.53505}	 
	 53
	 	{$	0.50138}	 	{$	0.50138}	 	 76
	 	{$	3.82964}	 	{$	3.82964}	 
	 54
	 	{$	0.50138}	 	{$	0.50138}	 	 77
	 	{$	3.82964}	 	{$	3.82964}	 
	 55
	 	{$	0.50138}	 	{$	0.50138}	 	 78
	 	{$	3.82964}	 	{$	3.82964}	 
	 56
	 	{$	0.50138}	 	{$	0.50138}	 	 79
	 	{$	3.82964}	 	{$	3.82964}	 
	 57
	 	{$	0.50138}	 	{$	0.50138}	 	 80
	 	{$	3.82964}	 	{$	3.82964}	 
	 58
	 	{$	0.50138}	 	{$	0.50138}	 	 81
	 	{$	5.09893}	 	{$	5.09893}	 
	 59
	 	{$	0.50138}	 	{$	0.50138}	 	 82
	 	{$	5.71812}	 	{$	5.71812}	 
	 60
	 	{$	0.50138}	 	{$	0.50138}	 	 83
	 	{$	6.34158}	 	{$	6.34158}	 
	 61
	 	{$	1.00554}	 	{$	1.00554}	 	 84
	 	{$	6.96937}	 	{$	6.96937}	 
	 62
	 	{$	1.00554}	 	{$	1.00554}	 	 85
	 	{$	7.60156}	 	{$	7.60156}	 
	 63
	 	{$	1.00554}	 	{$	1.00554}	 	 86
	 	{$	8.37522}	 	{$	8.37522}	 
	 64
	 	{$	1.00554}	 	{$	1.00554}	 	 87
	 	{$	9.15558}	 	{$	9.15558}	 
	 65
	 	{$	1.00554}	 	{$	1.00554}	 	 88
	 	{$	9.94277}	 	{$	9.94277}	 
	 66
	 	{$	1.47016}	 	{$	1.47016}	 	 89
	 	{$	10.73689}	 	{$	10.73689}	 
	 67
	 	{$	1.47016}	 	{$	1.47016}	 	 90
	 	{$	11.53809}	 	{$	11.53809}	 
	 68
	 	{$	1.47016}	 	{$	1.47016}	 	 91
	 	{$	12.96964}	 	{$	12.96964}	 
	 69
	 	{$	1.47016}	 	{$	1.47016}	 	 92
	 	{$	14.42441}	 	{$	14.42441}	 
	 70
	 	{$	1.47016}	 	{$	1.47016}	 	 93
	 	{$	15.90318}	 	{$	15.90318}	 
	 71
	 	{$	2.53505}	 	{$	2.53505}	 	 94
	 	{$	17.40681}	 	{$	17.40681}	 
	 72
	 	{$	2.53505}	 	{$	2.53505}	 	 95
	 	{$	18.93618}	 	{$	18.93618}	 

2

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Exhibit 4(e)QuickLinks
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  Exhibit 4(f)    
    

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

 ANNUITIZATION BONUS ENDORSEMENT  

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

Annuitization Bonus—If the Annuity Commencement Date is on or after the {Nth} Contract Anniversary, and if you select Annuity
Option B with a certain period of not less than {X} years, we will add an annuitization bonus to the amount we apply to the Annuity Option. The annuitization bonus will equal {Z%} of the Contract
Value to be applied to the Annuity Option and will be calculated as of the Valuation Period that contains the Annuity Commencement Date. 

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

PROTECTIVE
LIFE INSURANCE COMPANY 

	
	

 
	Secretary

1

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  Exhibit 4(g)    
    

 SCHEDULE  

			
	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: {$    } 

 {MINIMUM GUARANTEED INTEREST RATE FOR THE GUARANTEED ACCOUNT: {    %}} 

 ANNUAL EFFECTIVE INTEREST RATES ON THE EFFECTIVE DATE:  

{FIXED
ACCOUNT—    %}

{DCA FIXED ACCOUNT 1—    %}

{DCA FIXED ACCOUNT 2—    %} 

 MORTALITY AND EXPENSE RISK CHARGE  

{    %}
per annum. 

 ADMINISTRATION CHARGE  

{    %}
per annum. 

 DEATH BENEFIT  

{    }

 DEATH BENEFIT COST CALCULATION METHOD  

{    }

 CONTRACT MAINTENANCE FEE: {$    } 

        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  

{$    }
per transfer in excess of 12 transfers in any Contract Year. 

1

 
 SURRENDER CHARGE  

			
	Number of Full Years Elapsed Between

the Date the Purchase Payment was applied to

the Contract and the Surrender Date 	 	Surrender Charge Percentage 
	{0}	 	{0%}
	{1}	 	{0%}
	{2}	 	{0%}
	{3+}	 	{0%}

 ALLOCATION OPTIONS AVAILABLE ON THE EFFECTIVE DATE  

{Protective Life Guaranteed Account}

{Fixed
Account}

{DCA Fixed Account 1}

{DCA Fixed Account 2} 

 Sub-Accounts of the

Protective Variable Annuity Separate Account:  

			
	{Fund Family 1}	 	 {Fund Family 4}
	{Fund 1}	 	{Fund 1}
	{Fund 2}	 	{Fund 2}
	{Fund 3}	 	{Fund 3}
	{Fund 4}	 	{Fund 4}
	{Fund 5}	 	{Fund 5}
	{Fund 6}	 	{Fund 6}
	{Fund 7}	 	{Fund 7}
	
 {Fund Family 2}	
 	
 {Fund Family 5}
	{Fund 1}	 	{Fund 1}
	{Fund 2}	 	{Fund 2}
	{Fund 3}	 	{Fund 3}
	{Fund 4}	 	{Fund 4}
	{Fund 5}	 	{Fund 5}
	{Fund 6}	 	{Fund 6}
	{Fund 7}	 	{Fund 7}
	
 {Fund Family 3}	
 	
 {Fund Family 6}
	{Fund 1}	 	{Fund 1}
	{Fund 2}	 	{Fund 2}
	{Fund 3}	 	{Fund 3}
	{Fund 4}	 	{Fund 4}
	{Fund 5}	 	{Fund 5}
	{Fund 6}	 	{Fund 6}
	{Fund 7}	 	{Fund 7}

2

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  Exhibit 4(h)    
    

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

 ANNUAL RATCHET

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. 

Annual Ratchet Death Benefit—We will determine an annual ratchet value for each Contract Anniversary occurring before the earlier of the
oldest Owner=s {80th} birthday or the deceased Owner=s date of death. Each annual ratchet value is equal to the sum of: 

	(a)
	the
Contract Value on that Contract Anniversary; plus,

	(b)
	all
Purchase Payments since that Contract Anniversary; minus,

	(c)
	an
adjustment for each surrender since that Contract Anniversary. 

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; or 

 
	•
	the highest annual ratchet value 

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
any associated surrender charges 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. 

1

 

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. 

Waiver of Surrender Charge—We will not apply the surrender charge if the Contract is surrendered as of a Valuation Period during which the
Contract Value is less than or equal to {25%} of the value of the death benefit. 

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

PROTECTIVE
LIFE INSURANCE COMPANY 

	
	

 
	Secretary

2

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Exhibit 4(h)

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00146-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00146-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00146-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00146-of-00352.parquet"}]]