EXHIBIT 9

                       CONSENT OF INDEPENDENT ACCOUNTANTS
 
   
We consent to the inclusion, in this registration statement on Form S-6 (File
No. 333-72775) of our report dated February 11, 1999, on our audits of the
consolidated financial statements and financial statement schedules of
Protective Life Insurance Company and Subsidiaries. We also consent to the
inclusion of our report dated March 17, 1999 on our audit of the financial
statements of the Protective Variable Life Separate Account. We also consent to
the reference to our Firm under the caption "Independent Accountants."
    
 
PRICEWATERHOUSECOOPERS, L.L.P.
 
   
Birmingham, Alabama
May 13, 1999