DIRECTORS' POWER OF ATTORNEY Exhibit 24
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company , an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ R. Stephen Briggs
--------------- ------------------
Jerry W. Defoor R. Stephen Briggs
DIRECTORS' POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company, an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ Jim E. Massengale
--------------- ------------------
Jerry W. Defoor Jim E. Massengale
DIRECTORS' POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company, an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ A.S. Williams III
--------------- ------------------
Jerry W. Defoor A.S. Williams III
DIRECTORS' POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company, an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 her hand and seal this 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ Carolyn King
--------------- ------------------
Jerry W. Defoor Carolyn King
DIRECTORS' POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company, an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 her hand and seal this 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ Deborah J. Long
--------------- ------------------
Jerry W. Defoor Deborah J. Long
DIRECTORS' POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company, an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ Steven A. Schultz
--------------- ------------------
Jerry W. Defoor Steven A. Schultz
DIRECTORS' POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company, an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ Wayne E. Stuenkel
--------------- ------------------
Jerry W. Defoor Wayne E. Stuenkel
DIRECTORS' POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company , an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ Danny L. Bentley
--------------- ------------------
Jerry W. Defoor Danny L. Bentley
DIRECTORS' POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company , an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ Richard J. Bielen
--------------- ------------------
Jerry W. Defoor Richard J. Bielen
DIRECTORS' POWER OF ATTORNEY
KNOW ALL MEN BY THESE PRESENTS, That each of the undersigned Directors of Protective Life and Annuity Insurance
Company an Alabama corporation, ("Company") by his
execution hereof or upon an identical counterpart hereof, does hereby constitute and appoint John D. Johns,
Deborah J. Long, Nancy Kane, or Jerry W. DeFoor, and each or any of them, his true and lawful attorneys-in-fact
and agents, for him and in his name, place and stead, to execute and sign the 1999 Annual Report on Form 10-K to
be filed by the Company with the Securities and Exchange Commission, pursuant to the provisions of the Securities
Exchange Act of 1934 and, further, to execute and sign any and all amendments to such Annual Report, and to file
same, with all exhibits and schedules thereto and all other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and agents, 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 as the undersigned might or could do in person, hereby ratifying
and confirming all the acts of said attorneys-in-fact and agents 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 21st day of February, 2000.
WITNESS TO ALL SIGNATURES:
/s/ Jerry W. DeFoor /s/ T. Davis Keyes
--------------- ------------------
Jerry W. Defoor T. Davis Keyes
