Protective Life (PLPDZ) 10-Q2004 Q2 Quarterly report

Filed: 9 Aug 04, 12:00am

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New words: BOLI, capacity, channel, Consideration, conversion, DAC, dealer, deferrable, discipline, Dominion, driven, drove, Edison, Employer, Encana, enhance, Firm, GFA, GIC, grew, Identificiation, Index, interplay, introduced, inventory, key, launched, marketplace, Matrix, minimize, modest, organization, outsourcing, Oversight, predicated, proactive, Pursuant, pursue, rapidly, redemption, renewal, rose, saving, single, steady, suitable, summary, target, Terry, tighten, tracking, trend, typically, UL, unchanged, underwriting, unlocking, widely, widening

Removed: administered, advisory, ancillary, assumption, auditing, buy, carefully, committee, construed, convertible, core, coverage, create, deemed, designated, determine, developed, economy, Employerincorporation, end, enter, established, exist, exiting, extinguishment, face, hedge, hedged, highlighting, host, implementing, ineffective, instrument, lapsing, likelihood, marketed, modify, monitor, morbidity, notional, older, practice, profitability, prospectively, receive, reclassify, record, revalue, run, simulation, substitute, temporary, termination, transaction, unaffiliated, Volatile, worsen

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[PROTECTIVE LIFE CORPORATION LETTERHEAD]

EXHIBIT 32(b)

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE
SARBANES-OXLEY ACT OF 2002

In connection with the Quarterly Report of Protective Life Corporation (the “Company”) on Form 10-Q for the period ending March 31, 2004 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Allen W. Ritchie, Executive Vice President and Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. § 1350, as adopted pursuant to § 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

(1)

The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)

The information contained in the Report fairly presents, in all material respects, the financial condition and result of operations of the Company.

/s/ Allen W. Ritchie
Executive Vice President and
Chief Financial Officer
August 9, 2004

This certification accompanies the Report pursuant to §906 of the Sarbanes-Oxley Act of 2002 and shall not, except to the extent required by the Sarbanes-Oxley Act of 2002, be deemed filed by the Company for purposes of §18 of the Securities Exchange Act of 1934, as amended.