<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>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   MAR-31-2000
<DEBT-HELD-FOR-SALE>                           6,774,435
<DEBT-CARRYING-VALUE>                          0
<DEBT-MARKET-VALUE>                            0
<EQUITIES>                                     18,205
<MORTGAGE>                                     1,968,703
<REAL-ESTATE>                                  15,643
<TOTAL-INVEST>                                 9,207,699
<CASH>                                         25,085
<RECOVER-REINSURE>                             979,001
<DEFERRED-ACQUISITION>                         1,107,127
<TOTAL-ASSETS>                                 13,567,841
<POLICY-LOSSES>                                4,713,993
<UNEARNED-PREMIUMS>                            794,996
<POLICY-OTHER>                                 0
<POLICY-HOLDER-FUNDS>                          116,357
<NOTES-PAYABLE>                                2,332
<PREFERRED-MANDATORY>                          2
<PREFERRED>                                    0
<COMMON>                                       5,000
<OTHER-SE>                                     1,075,049
<TOTAL-LIABILITY-AND-EQUITY>                   13,567,841
<PREMIUMS>                                     178,158
<INVESTMENT-INCOME>                            163,821
<INVESTMENT-GAINS>                             2,446
<OTHER-INCOME>                                 10,985
<BENEFITS>                                     234,419
<UNDERWRITING-AMORTIZATION>                    37,518
<UNDERWRITING-OTHER>                           44,464
<INCOME-PRETAX>                                39,009
<INCOME-TAX>                                   13,133
<INCOME-CONTINUING>                            25,876
<DISCONTINUED>                                 0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   25,876
<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 Company is a wholly-owned  subsidiary
of  Protective Life Corporation (NYSE:PL) and is not required to present EPS information.
</FN>