SUPPLEMENT for the State of California dated April 1, 2000 to
PROSPECTUS dated May 17, 1999 for
TRANSITIONS issued by Protective Life Insurance Company
The following funds will become available May 1, 2000, subject to regulatory
approval:
MFS(R) Variable Insurance TrustSM: Growth Series
<TABLE>
<CAPTION>
<S> <C> <C>
Van Kampen Life Investment Trust: Emerging Growth Portfolio Growth and Income Portfolio
Enterprise Portfolio Strategic Stock Portfolio
Comstock Portfolio Asset Allocation Portfolio
</TABLE>
The Expense Table on page 8 is amended by adding the following information
relating to the period January 1 to December 31, 1999:
<TABLE>
<CAPTION>
<S> <C> <C> <C>
Management Other Total Annual
(Advisory) Expenses After Fund Expenses
Fees Reimbursement (after reimbursements)
----------------- ---------------------- ----------------------
MFS(R) Variable Insurance TrustSM
Growth Series . . . . . . . . . . . 0.75% 0.16% 0.91%
Van Kampen Life Investment Trust
Emerging Growth Portfolio. . . 0.67% 0.18% 0.85%
Enterprise Portfolio . . . . . . . . 0.48% 0.12% 0.60%
Comstock Portfolio . . . . . . . . 0.00% 0.95% 0.95%
Growth and Income Portfolio. . 0.43% 0.32% 0.75%
Strategic Stock Portfolio. . . . . 0.24% 0.41% 0.65%
Asset Allocation Portfolio . . . . 0.33% 0.27% 0.60%
</TABLE>
The information on page 10 under the caption "Protective Variable Life Separate
Account" is amended to include the following Sub-Accounts where applicable: MFS
Growth, Van Kampen Emerging Growth; Van Kampen Enterprise; Van Kampen Comstock;
Van Kampen Growth and Income; Van Kampen Strategic Stock; and Van Kampen Asset
Allocation. The information on page 6 and on pages 10 and 11 under the caption
"The Funds" is amended to include the Van Kampen Life Investment Trust managed
by Van Kampen Asset Management Inc.
The information on pages 11 through 12 is amended by adding the following:
Van Kampen Life Investment Trust
Emerging Growth Portfolio. Seeks capital appreciation.
Enterprise Portfolio. Seeks capital appreciation through investment
in securities believed by the investment adviser to have above average
potential for capital appreciation.
Comstock Portfolio. Seeks capital growth and income through investments
in equity securities, including common stocks, preferred stocks and securities
convertible into common and preferred stocks.
Growth and Income. Seeks income and long-term growth of capital and
income.
Strategic Stock Portfolio. Seeks above average total return through a
combination of potential capital appreciation and dividend income consistent
with the preservation of invested capital.
Asset Allocation Portfolio. Seeks high total investment return
consistent with prudent investment risk through a fully managed investment
policy utilizing equity securities as well as investment grade intermediate and
long-term debt securities and money market securities. Total investment return
consists of current income (including dividends, interest and discount accruals)
and capital appreciation or depreciation.
MFS(R) Variable Insurance TrustSM
Growth Series. This Fund seeks long-term growth of capital and future
income rather than current income by investing primarily in common stocks and
related securities, such as preferred stocks, convertible securities and
depositary receipts for those securities of companies the Fund's investment
advisor believes offer better than average prospects for long-term growth.
The information on pages 13 and 14 under the caption "Other Investors
in the Funds" is amended to include the funds from the Van Kampen Life
Investment Trust.
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