Document:

Prepared by MERRILL CORPORATION

Exhibit 10(a)  

April 19, 2001 

Board
of Directors

Protective Life Insurance Company

2801 Highway 201 South

Birmingham, Alabama 35223 

Directors:

    We
hereby consent to the reference to our name under the caption "Legal Matters" in the statement of additional information filed as part of post-effective amendment number 2
to the registration statement on Form N-4 (File No. 333-94047) filed by Protective Life Insurance Company and Protective Variable Annuity Separate Account with the Securities and
Exchange Commission. In giving this consent, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act of 1933. 

Sincerely,

SUTHERLAND ASBILL & BRENNAN LLP

By: /s/ DAVID S. GOLDSTEIN  

David S. GoldsteinPrepared by MERRILL CORPORATION

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Exhibit 10(b)  

  
 

  Consent of Independent Accountants    
  

We hereby consent to the use in this Registration Statement on Form N-4 (File No. 333-94047) of our report dated March 1, 2001, relating to
the consolidated financial statements and financial statement schedules of Protective Life Insurance Company and Subsidiaries, which appears in such Registration Statement. We also consent to the use
in this Registration Statement of our report dated March 22, 2001, on our audits of the financial statements of The Protective Variable Annuity Separate Account, which appears in such
Registration Statement. We also consent to the reference to us under the heading "Independent Accountants" in such Registration Statement and Statement of Additional Information. 

PricewaterhouseCoopers LLP

Birmingham, Alabama

April 30, 2001 

QuickLinks

Consent of Independent AccountantsPrepared by MERRILL CORPORATION

Exhibit 10(a)  

April 19, 2001 

Board
of Directors

Protective Life Insurance Company

2801 Highway 201 South

Birmingham, Alabama 35223 

Directors:

    We
hereby consent to the reference to our name under the caption "Legal Matters" in the statement of additional information filed as part of post-effective amendment number 11
to the registration statement on Form N-4 (File No. 33-70984) filed by Protective Life Insurance Company and Protective Variable Annuity Separate Account with the Securities and Exchange
Commission. In giving this consent, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act of 1933. 

Sincerely,

SUTHERLAND ASBILL & BRENNAN LLP

By: /s/ DAVID S. GOLDSTEIN  

David S. GoldsteinPrepared by MERRILL CORPORATION

QuickLinks
 -- Click here to rapidly navigate through this document

Exhibit 10(b)  

  
 

  Consent of Independent Accountants    
  

We hereby consent to the use in this Registration Statement on Form N-4 (File No. 33-70984) of our report dated March 1, 2001, relating to
the consolidated financial statements and financial statement schedules of Protective Life Insurance Company and Subsidiaries, which appears in such Registration Statement. We also consent to the use
in this Registration Statement of our report dated March 22, 2001, on our audits of the financial statements of The Protective Variable Annuity Separate Account, which appears in such
Registration Statement. We also consent to the reference to us under the heading "Independent Accountants" in such Registration Statement. 

PricewaterhouseCoopers LLP

Birmingham, Alabama

April 30, 2001 

QuickLinks

Consent of Independent AccountantsPrepared by MERRILL CORPORATION

Exhibit 10(a)  

April 19, 2001 

Board
of Directors

Protective Life Insurance Company

2801 Highway 201 South

Birmingham, Alabama 35223 

Directors:

    We
hereby consent to the reference to our name under the caption "Legal Matters" in the statement of additional information filed as part of post-effective amendment number 5
to the registration statement on Form N-4 (File No. 333-68551) filed by Protective Life Insurance Company and Protective Variable Annuity Separate Account with the Securities and
Exchange Commission. In giving this consent, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act of 1933. 

Sincerely,

SUTHERLAND ASBILL & BRENNAN LLP

By: /s/ DAVID S. GOLDSTEIN  

David S. GoldsteinPrepared by MERRILL CORPORATION

QuickLinks
 -- Click here to rapidly navigate through this document

Exhibit 10(b)  

  
 

  Consent of Independent Accountants    
  

We hereby consent to the use in this Registration Statement on Form N-4 (File No. 333-68551) of our report dated March 1, 2001, relating to
the consolidated financial statements and financial statement schedules of Protective Life Insurance Company and Subsidiaries, which appears in such Registration Statement. We also consent to the use
in this Registration Statement of our report dated March 22, 2001, on our audits of the financial statements of The Protective Variable Annuity Separate Account, which appears in such
Registration Statement. We also consent to the reference to us under the heading "Independent Accountants" in such Registration Statement. 

PricewaterhouseCoopers LLP

Birmingham, Alabama

April 30, 2001 

QuickLinks

Consent of Independent AccountantsPrepared by MERRILL CORPORATION

Exhibit 10(a)  

April 19, 2001 

Board
of Directors

Protective Life Insurance Company

2801 Highway 201 South

Birmingham, Alabama 35223 

Directors:

    We
hereby consent to the reference to our name under the caption "Legal Matters" in the statement of additional information filed as part of post-effective amendment number 3
to the registration statement on Form N-4 (File No. 333-81553) filed by Protective Life Insurance Company and Protective Variable Annuity Separate Account with the Securities and
Exchange Commission. In giving this consent, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act of 1933. 

Sincerely,

SUTHERLAND ASBILL & BRENNAN LLP

By: /s/ DAVID S. GOLDSTEIN  

David S. GoldsteinPrepared by MERRILL CORPORATION

QuickLinks
 -- Click here to rapidly navigate through this document

Exhibit 10(b)  

  
 

  Consent of Independent Accountants    
  

We hereby consent to the use in this Registration Statement on Form N-4 (File No. 333-81553) of our report dated March 1, 2001, relating to
the consolidated financial statements and financial statement schedules of Protective Life Insurance Company and Subsidiaries, which appears in such Registration Statement. We also consent to the use
in this Registration Statement of our report dated March 22, 2001, on our audits of the financial statements of The Protective Variable Annuity Separate Account, which appears in such
Registration Statement. We also consent to the reference to us under the heading "Independent Accountants" in such Registration Statement. 

PricewaterhouseCoopers LLP

Birmingham, Alabama

April 30, 2001 

QuickLinks

Consent of Independent AccountantsPrepared by MERRILL CORPORATION

Exhibit 10(a)  

April 19, 2001 

Board
of Directors

Protective Life Insurance Company

2801 Highway 201 South

Birmingham, Alabama 35223 

Directors:

    We
hereby consent to the reference to our name under the caption "Legal Matters" in the statement of additional information filed as part of post-effective amendment number 4
to the registration statement on Form N-4 (File No. 333-60149) filed by Protective Life Insurance Company and Protective Variable Annuity Separate Account with the Securities and
Exchange Commission. In giving this consent, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act of 1933. 

Sincerely,

SUTHERLAND ASBILL & BRENNAN LLP

By: /s/ DAVID S. GOLDSTEIN  

David S. GoldsteinPrepared by MERRILL CORPORATION

QuickLinks
 -- Click here to rapidly navigate through this document

Exhibit 10(b)  

  
 

  Consent of Independent Accountants    
  

We hereby consent to the use in this Registration Statement on Form N-4 (File No. 333-60149) of our report dated March 1, 2001, relating to
the consolidated financial statements and financial statement schedules of Protective Life Insurance Company and Subsidiaries, which appears in such Registration Statement. We also consent to the use
in this Registration Statement of our report dated March 22, 2001, on our audits of the financial statements of The Protective Variable Annuity Separate Account, which appears in such
Registration Statement. We also consent to the reference to us under the heading "Independent Accountants" in such Registration Statement. 

PricewaterhouseCoopers LLP

Birmingham, Alabama

April 30, 2001 

QuickLinks

Consent of Independent Accountants<PAGE>

                                                                   EXHIBIT 10.11

                                  AMENDMENT NO. 1
                                        TO
                                EMPLOYMENT AGREEMENT

    THIS AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT is made and entered into
this 24th day of April, 2001, to be effective for all purposes as of August
21, 2000, by and between CHICO'S FAS, INC., a Florida corporation (the
"Company"), and PATRICIA MURPHY, residing at 127 Vista Lane, Naples, Florida
34119 (the "Employee").

                                W I T N E S S E T H:

    WHEREAS, the parties hereto have entered into that certain Employment
Agreement dated August 21, 2000 by and between the Company and the Employee
(the "Employment Agreement"); and

    WHEREAS, the Company and the Employee have agreed to amend the terms of
the Employment Agreement in certain respects as set forth in this Amendment
No. 1 to Employment Agreement (the "Amendment").

1.  OTHER TERMINATIONS

    Section 8(d) of the Employment Agreement shall be replaced in its
entirety by the following:

        (d)  Rights Upon Change in Control.

            (i)    If a Change in Control of the Employer, as defined in
Section 8(d)(ii) shall occur and the Employee shall:

                   (1)   voluntarily terminate her employment within one year
        following such Change in Control and such termination shall be as a
        result of the Employee's good faith determination that as a result of
        the Change in Control and a change in circumstances thereafter
        significantly affecting her position, she can no longer adequately
        exercise the authorities, powers, functions or duties attached to her
        position as an executive officer of the Employer; or

                   (2)   voluntarily terminate her employment within one year
        following such Change in Control, and such termination shall be as a
        result of the Employee's good faith determination that she can no longer
        perform her duties as an executive officer of the Employer by reason of
        a substantial diminution in her responsibilities, status or position; or

                                       1.
<PAGE>

                   (3)   have her employment terminated by the Employer for
        reasons other than those specified in Section 8(b)(ii) within one (1)
        year following such Change in Control;

    then in any of the above three cases, the Employee shall have, instead of
    the further rights described in Section 3(a), the right to immediately
    terminate this Agreement and a nonforfeitable right to receive the sum of
    the monthly amounts of her Basic Salary for a period equal to 36 months
    plus three times her most recently set annual target bonus.

            (ii)   For purposes of this Agreement, a "Change in Control"
    shall mean:

                   (1)   the obtaining by any party of fifty percent (50%) or
        more of the voting shares of the Employer pursuant to a "tender offer"
        for such shares as provided under Rule 14d-2 promulgated under the
        Securities Exchange Act of 1934, as amended, or any subsequent
        comparable federal rule or regulation governing tender offers; or

                   (2)   individuals who were members of the Employer's Board
        of Directors immediately prior to any particular meeting of the
        Employer's shareholders which involves a contest for the election of
        directors fail to constitute a majority of the members of the
        Employer's Board of Directors following such election; or

                   (3)   the Employer's executing an agreement concerning the
        sale of substantially all of its assets to a purchaser which is not a
        subsidiary; or

                   (4)   the Employer's adoption of a plan of dissolution or
        liquidation; or

                   (5)   the Employer's executing an agreement concerning a
        merger or consolidation involving the Employer in which the Employer
        is not the surviving corporation or if, immediately following such
        merger or consolidation, less than fifty percent (50%) of the surviving
        corporation's outstanding voting stock is held by persons who are
        stockholders of the Employer immediately prior to such merger or
        consolidation.

            (iii)  The provisions of Section 8(c) and this Section 8(d) are
    mutually exclusive, provided, however, that if within one year following
    commencement of an 8(c) payout there shall be a Change in Control as
    defined in Section 8(d)(ii), then the Employee shall be entitled to the
    amount payable to the

                                       2.
<PAGE>

    Employee under Section 8(d)(i) reduced by the amount that the Employee has
    received under Section 8(c) up to the date of the change in control.  The
    triggering of the lump sum payment requirement of this Section 8(d) shall
    cause the provisions of Section 8(c) to become inoperative.  The triggering
    of the continuation of payment provisions of Section 8(c) shall cause the
    provisions of Section 8(d) to become inoperative except to the extent
    provided in this Section 8(d)(iii).

2.  MISCELLANEOUS

    Unless specifically modified, added or deleted by this Amendment No.1,
all terms and provisions of the Employment Agreement remain in full force and
effect throughout the term of the Employment Agreement, as amended.

    IN WITNESS WHEREOF, the parties hereto have executed this Amendment the
day and year first above written.

                                       CHICO'S FAS, INC.

                                       By:       /s/ Marvin J. Gralnick
                                          -------------------------------------
                                          Marvin J. Gralnick, President

                                                           "Company"

                                            /s/ Patricia Murphy
                                       ----------------------------------------
                                       PATRICIA MURPHY

                                                           "Employee"

                                       3.

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