Protective Life Insurance Company

Protective Life Insurance Company was established on a profound belief in the American dream: Provide quality products with excellent service and success will follow. Since 1907, Protective Life Insurance Company has remained true to its core beliefs: Quality, Serving people, and Growth. This unwavering commitment to doing the right thing for the people we serve has been rewarded with stable, long-term relationships and continuous 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.®

Protective Life Insurance Company has more than $445 billion of coverage in force to date.* Protective Life has insurer financial strength ratings of A+ (Superior, 2nd highest of 15 ratings) from A.M. Best, AA- (Very Strong, 4th highest of 21 ratings) from Standard & Poor’s, A (Strong, 6th highest of 22 ratings) from Fitch, and A2 (Good, 6th highest of 21 ratings) from Moody’s Investors Service.** Each of these independent rating agencies has assigned its rating based on a variety of factors including Protective Life Insurance Company’s operating performance, asset quality, financial flexibility and capitalization.

Protective Life Insurance Company is also a member of the Insurance Marketplace Standards Association (IMSA) and has adopted its Principles of Ethical Market Conduct. IMSA is a voluntary membership organization created by life insurance chief executives to establish a uniform set of standards against which companies can verify that they have appropriate market conduct policies and procedures in place for their individual life and annuity products. Its central goal is to maintain high standards of ethical company behavior in the life insurance marketplace.

  *As of 12/31/09
**These ratings are current as of 9/16/09