0000912057-02-001844 Sample Contracts

THIS IS A VARIABLE ANNUITY CONTRACT
Individual Flexible Premium Deferred Fixed and Variable Annuity Contract • January 18th, 2002 • Variable Annuity Account a of Protective Life

THE VALUE OF THIS CONTRACT AND THE ANNUITY INCOME PAYMENTS, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, IS VARIABLE. IT WILL INCREASE AND DECREASE AS A RESULT OF FLUCTUATIONS IN THE NET INVESTMENT FACTOR. NO MINIMUM VALUE IS GUARANTEED FOR AMOUNTS ALLOCATED TO THE SEPARATE ACCOUNT.