Document:

QuickLinks
 -- Click here to rapidly navigate through this document
  

Exhibit 4(g)  

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

 
 

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
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. 

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 

	

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

 

1

QuickLinks

RETURN OF PURCHASE PAYMENTS VARIABLE ANNUITY DEATH BENEFIT RIDERQuickLinks
 -- Click here to rapidly navigate through this document
  

Exhibit 4(h)  

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

 
 

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] × 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. However, 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 

	

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

 

1

QuickLinks

ASSET BASED FEE ENDORSEMENT FOR VARIABLE ANNUITY DEATH BENEFIT RIDERSQuickLinks
 -- Click here to rapidly navigate through this document
  

Exhibit 4(i)  

	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.
Deduction of the monthly fee is a partial surrender for the purpose of calculating the death benefit. However, 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 

	

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

 

1

QuickLinks

NET AMOUNT AT RISK FEE ENDORSEMENT FOR VARIABLE ANNUITY DEATH BENEFIT RIDERSQuickLinks
 -- Click here to rapidly navigate through this document
  

Exhibit 4(j)  

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

 
 

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 including any associated surrender charges 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 

PROTECTIVE
LIFE INSURANCE COMPANY 

	

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

 

1

QuickLinks

MIMIMUM ANNUITIZATION VALUE ENDORSEMENT

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00061-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00061-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00061-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00061-of-00352.parquet"}]]