<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-31-1999       
<PERIOD-START>                                 JAN-01-1999       
<PERIOD-END>                                   MAR-31-1999       
<DEBT-HELD-FOR-SALE>                           6,335,576            
<DEBT-CARRYING-VALUE>                          0                        
<DEBT-MARKET-VALUE>                            0                           
<EQUITIES>                                     12,395                     
<MORTGAGE>                                     1,782,972                
<REAL-ESTATE>                                  15,160            
<TOTAL-INVEST>                                 8,529,403         
<CASH>                                         0                 
<RECOVER-REINSURE>                             769,703          
<DEFERRED-ACQUISITION>                         867,232           
<TOTAL-ASSETS>                                 11,772,891        
<POLICY-LOSSES>                                4,233,530         
<UNEARNED-PREMIUMS>                            382,063           
<POLICY-OTHER>                                 0                                     
<POLICY-HOLDER-FUNDS>                          214,020        
<NOTES-PAYABLE>                                2,363            
<PREFERRED-MANDATORY>                          0                
<PREFERRED>                                    2                 
<COMMON>                                       5,000             
<OTHER-SE>                                     1,041,168         
<TOTAL-LIABILITY-AND-EQUITY>                   11,772,891        
<PREMIUMS>                                     151,786           
<INVESTMENT-INCOME>                            149,454           
<INVESTMENT-GAINS>                             1,449             
<OTHER-INCOME>                                 3,371             
<BENEFITS>                                     185,436              
<UNDERWRITING-AMORTIZATION>                    30,952            
<UNDERWRITING-OTHER>                           43,288            
<INCOME-PRETAX>                                46,384            
<INCOME-TAX>                                   16,499            
<INCOME-CONTINUING>                            29,885            
<DISCONTINUED>                                 0                 
<EXTRAORDINARY>                                0                 
<CHANGES>                                      0                 
<NET-INCOME>                                   29,885            
<EPS-PRIMARY>                                  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>