8-K

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SECURITIES AND EXCHANGE COMMISSION


Washington, D. C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

  Date of Report  (Date of earliest event reported)       February 7, 2003


PROTECTIVE LIFE CORPORATION
(Exact name of registrant as specified in its charter)


Delaware 1-12332 95-2492236
(State or other jurisdiction (Commission (IRS Employer
of incorporation) File Number) Identification No.)

2801 Highway 280 South
Birmingham, Alabama 35223

(Address of principal executive offices and zip code)


(205) 268 1000

Registrant's telephone number, including area code



N/A
(Former name or former address, if changed since last report.)


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Item 9. Regulation FD Disclosure.

        On February 7, 2003, Registrant issued a press release with respect to its earnings which is included as Exhibit 99 to this Current Report and incorporated by reference herein.

        In accordance with General Instruction B.2 of Form 8-K, the information included or incorporated in this report, including Exhibit 99 shall not be deemed "filed" for purposes of Section 18 of the Securities and Exchange Act of 1934, nor shall such information and exhibit be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be set forth by specific reference in such a filing.





SIGNATURES

        Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

PROTECTIVE LIFE CORPORATION
BY/s/Jerry W. DeFoor
Jerry W. DeFoor
Vice President and Controller

Dated:   February 7, 2003









Exhibit Index


Exhibit Number Description Page Number
99 Press Release Dated February 7, 2003