PROTECTIVE LIFE AND ANNUITY INSURANCE COMPANY [ Birmingham, Alabama ] (A Stock Insurance Company) INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT includes WAIVER OF SURRENDER CHARGES (Non-Participating)Variable Annuity Account a of Protective Life • March 7th, 2012 • Alabama
Protective Life and Annuity Insurance Company agrees to provide the benefits described in this Contract. The Contract alone governs the rights of the parties.
