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Protective Life Insurance Company announced today the results of a new proprietary study sponsored by Protective Life of financial advisors that measured their interest in life insurance and annuity products as part of their clients� overall financial plans. Data was collected between September 10 -- October 26, 2008 from readers of Registered Rep magazine. This is the fifth year the study has been conducted. �More advisors are finding that insurance simply must be a part of their clients� comprehensive financial plans,� says Eric Miller, Vice President of Marketing and National Marketing Director for Protective Life. �Ignoring that aspect of their clients� needs can leave substantial gaps in their planning.� The results of the study show that advisors agree with Miller. For example: 77% of advisors currently sell annuities, while 74% currently sell life insurance Four out of five advisors believe life insurance is an important part of a financial plan Over half of the advisors believe annuities are an important part of a financial plan Two-thirds of those surveyed plan to sell more life insurance and annuities in the coming two years In addition, 76% of these advisors indicated that a life insurance product that provides a systematic stream of guaranteed income to their beneficiaries at the client�s death would be beneficial. This finding confirms the timeliness of Protective Term Income ProviderSM, a new term life insurance policy that provides a guaranteed income stream death benefit to designated beneficiaries. Priced more affordably than traditional lump sum term life products, Protective Term Provider gives consumers the ability to help their families satisfy immediate financial obligations and provide for ongoing income needs. The challenge of providing for ongoing income needs in retirement is a key concern for advisors and their clients. Those surveyed reported that 94% of their clients are concerned about providing for income in retirement and that 73% of advisors selling variable annuities recommend those with living benefits to help address this need. Protective Life has been working diligently to find ways to provide income solutions through the availability of the SecurePay suite of Guaranteed Lifetime Withdrawal Benefits, which guarantee purchasers a lifetime stream of payments that will not decrease, regardless of market performance. Results of the study will be used to help Protective Life to continue developing products and services that help financial advisors meet their clients� needs in a changing and challenging environment. A more detailed account of the study�s findings appears in �Looking for Guarantees,� an article by Alan Lavine published in the December 2008 issue of Registered Rep. About Protective Life Insurance Company Protective Life Insurance Company was established on a profound belief in the American dream. Since 1907, Protective Life Insurance Company has remained true to its core beliefs: quality, serving people, and growth. This unwavering commitment to treating people the way we would like to be treated has been rewarded with stable, long-term relationships and growth. Today, Protective Life is one of the nation�s leading insurance companies, proving the wisdom of our Company�s vision: Doing the right thing is smart business.� Important Consumer Information Life insurance and annuity products issued by Protective Life Insurance Company. Securities offered by Investment Distributors Inc., (IDI). Both located at 2801 Highway 280 South, Birmingham, AL 35223. PLICO and IDI are each subsidiaries of Protective Life Corporation. Protective Life Corporation is a separate company and is not responsible for the financial condition or the contractual obligations of PLICO or IDI. Protective Term Provider, issued under policy form TL-16 and state variations thereof, is a term life insurance policy. Product features and availability may vary by state. Consult policy for benefits, riders, limitations and exclusions. Subject to underwriting. Subject to up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply. SecurePay Guaranteed Lifetime Withdrawal Benefits are issued under rider form numbers IPV-2154 and�-2157 (and state variations thereof). Available only in conjunction with the purchase of a Protective Life variable annuity. Flexible premium deferred variable and fixed annuity contracts are issued under form numbers IPV-2112, -2113, -2132 and -2133 (and state variations thereof). Please consult the prospectus for more detailed information. All guarantees are subject to the claims-paying ability of Protective Life Insurance Company.