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Exhibit 4(f)  

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. 

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(g)  

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, less the aggregate sales charge deducted from your Purchase Payments. The Net Amount at Risk will never be less than $0. 

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. 

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(k)  

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

  
 

    ENDORSEMENT TO ELIMINATE LETER OF INTENT    
    

This
endorsement amends the Contract to which it is attached as of its Effective Date: 

The
"Letter of Intent" provision in the section entitled "SALES CHARGE" is deleted in its entirety. 

All
other provisions of your Contract not contrary to the terms of this endorsement remain in full force and effect. 

	PROTECTIVE LIFE INSURANCE COMPANY
	

/s/ Deborah J. Long
	

Secretary

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Exhibit 4(l)  

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

  
 

    DCA FIXED ACCOUNTS 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 {Certificate}{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)
	Net
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)
	the
amount of any surrenders removed from the Variable Account; minus

	(6)
	other
charges, fees and premium taxes 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 consists of the DCA Fixed Accounts, which are each a part
of the Company's general account. Amounts allocated to a DCA Fixed Account earn interest from the date they are credited to the account. 

        We,
in our sole discretion, establish interest rates for each DCA Fixed 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 DCA Fixed at different times may earn interest at different rates. 

        DCA Fixed Accounts—The DCA Fixed Accounts are available only for Net Purchase Payments designated for dollar cost averaging.
You may allocate a Net 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 Net 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. 

1

 

        We
will systematically transfer Net 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 Net 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)
	Net
Purchase Payments allocated to the DCA Fixed Accounts; plus

	(2)
	interest,
and other amounts credited to the DCA Fixed Accounts; minus

	(3)
	amounts
transferred out of the DCA Fixed Accounts; minus

	(4)
	the
amount of any surrenders removed from the DCA Fixed Accounts; minus

	(5)
	other
charges, fees and premium taxes deducted from the DCA Fixed Accounts. 

 
 

TRANSFERS    
    

        Transfers into a DCA Fixed Account are not permitted. Dollar cost averaging transfers into 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
	

Secretary

2

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DCA FIXED ACCOUNTS ENDORSEMENT

DEFINITIONS

GUARANTEED ACCOUNT

TRANSFERS

SURRENDERS

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