<ARTICLE>                                           7
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial statements of Protective Life Insurance Company and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<DEBT-HELD-FOR-SALE>                           6,275,607
<DEBT-CARRYING-VALUE>                          0
<DEBT-MARKET-VALUE>                            0
<EQUITIES>                                     30,696
<MORTGAGE>                                     1,946,690
<REAL-ESTATE>                                  15,582
<TOTAL-INVEST>                                 8,650,762
<CASH>                                         0
<RECOVER-REINSURE>                             859,684
<DEFERRED-ACQUISITION>                         1,011,524
<TOTAL-ASSETS>                                 12,581,143
<POLICY-LOSSES>                                4,566,426
<UNEARNED-PREMIUMS>                            507,659
<POLICY-OTHER>                                 0
<POLICY-HOLDER-FUNDS>                          116,815
<NOTES-PAYABLE>                                2,338
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    2
<COMMON>                                       5,000
<OTHER-SE>                                     991,541
<TOTAL-LIABILITY-AND-EQUITY>                   12,581,143
<PREMIUMS>                                     599,223
<INVESTMENT-INCOME>                            623,231
<INVESTMENT-GAINS>                             4,760
<OTHER-INCOME>                                 27,102
<BENEFITS>                                     771,527
<UNDERWRITING-AMORTIZATION>                    104,913
<UNDERWRITING-OTHER>                           176,439
<INCOME-PRETAX>                                201,437
<INCOME-TAX>                                   73,179
<INCOME-CONTINUING>                            128,258
<DISCONTINUED>                                 0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   128,258
<EPS-BASIC>                                    0<F1>
<EPS-DILUTED>                                  0<F1>
<RESERVE-OPEN>                                 0
<PROVISION-CURRENT>                            0
<PROVISION-PRIOR>                              0
<PAYMENTS-CURRENT>                             0
<PAYMENTS-PRIOR>                               0
<RESERVE-CLOSE>                                0
<CUMULATIVE-DEFICIENCY>                        0
<FN>
<F1>Protective Life Insurance is a wholly-owned subsidiary of Protective Life
Corporation (NYSE:PL) and is not required to present EPS information
</FN>