EXHIBIT 25
    
 
   
                                   DIRECTORS'
                               POWER OF ATTORNEY
    
 
   
    KNOW  ALL MEN BY THESE  PRESENTS, that each of  the undersigned Directors of
Protective Life Insurance Company, a  Tennessee corporation, ("Company") by  his
execution hereof or upon an identical counterpart hereof, does hereby constitute
and appoint John D. Johns, Steve M. Callaway or Jerry W. DeFoor, and each or any
of  them, his  true and lawful  attorney-in-fact and  agent, for him  and in his
name, place and stead, to execute and sign all post-effective amendments to  the
Registration  Statement on Form S-1  to be filed by  the Company with respect to
insurance products with the Securities and Exchange Commission, pursuant to  the
provisions of the Securities Exchange Act of 1933 and the Investment Company Act
of  1940 and, further, to file same, with all exhibits and schedules thereto and
all other documents in  connection therewith, with  the Securities and  Exchange
Commission  and with such state securities  as may be appropriate, granting unto
said attorney-in-fact and agent, and each  of them, full power and authority  to
do  and perform each and every act and  thing requisite and necessary to be done
in and  about  the  premises, as  fully  to  all intents  and  purposes  of  the
undersigned might or could do in person, hereby ratifying and confirming all the
acts  of said attorney-in-fact and agent or  any of them which they may lawfully
do in the premises or cause to be done by virtue hereof.
    
 
   
    IN WITNESS WHEREOF, each  of the undersigned has  hereunto set his hand  and
seal this 22nd day of April, 1997.
    
 
   
WITNESS TO ALL SIGNATURES:
    
 
   

                                           
/s/ DEBORAH J. LONG
- -------------------------------------------
Deborah J. Long
 
/s/ DRAYTON NABERS, JR.                       /s/ DANNY L. BENTLEY
- -------------------------------------------   -------------------------------------------
Drayton Nabers, Jr.                           Danny L. Bentley
 
/s/ JOHN D. JOHNS                             /s/ RICHARD J. BIELEN
- -------------------------------------------   -------------------------------------------
John D. Johns                                 Richard J. Bielen
 
/s/ R. STEPHEN BRIGGS                         /s/ CAROLYN KING
- -------------------------------------------   -------------------------------------------
R. Stephen Briggs                             Carolyn King
 
/s/ ORMOND L. BENTLEY                         /s/ JIM E. MASSENGALE
- -------------------------------------------   -------------------------------------------
Ormond L. Bentley                             Jim E. Massengale
 
/s/ STEVEN A. SCHULTZ                         /s/ WAYNE E. STUENKEL
- -------------------------------------------   -------------------------------------------
Steven A. Schultz                             Wayne E. Stuenkel
 
/s/ A. S. WILLIAMS, III
- -------------------------------------------
A. S. Williams, III