FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person * RITCHIE ALLEN W   2. Issuer Name and Ticker or Trading Symbol PROTECTIVE LIFE CORP [PL] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) Exec VP (Last) (First) (Middle) 2801 HIGHWAY 280 SOUTH 3. Date of Earliest Transaction (Month/Day/Year) 07/06/2005 (Street) BIRMINGHAM, AL 35223 4. If Amendment, Date Original Filed(Month/Day/Year) 6. Individual or Joint/Group Filing(Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Stock 07/06/2005   A   507 A $ 41.907 507 D   Common Stock 07/06/2005   F   277 D $ 41.907 230 D   Common Stock 07/06/2005   A   7,952.4 A $ 41.907 26,955.9624 I Deferred Compensation (1) Common Stock               772.971 I By 401(k) (2)

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

SAR 06 (3)

$ 41.05

03/04/2006

03/04/2015

SAR

7,700

7,700

D

SAR 3 (4)

$ 31.26

09/05/2006

09/05/2011

SAR

50,000

50,000

D

SAR 4 (3)

$ 32

03/04/2007

03/04/2012

SAR

30,000

30,000

D

SAR 5 (5)

$ 26.49

03/03/2008

03/03/2013

SAR

15,000

15,000

D

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
RITCHIE ALLEN W 2801 HIGHWAY 280 SOUTH BIRMINGHAM, AL 35223			Exec VP

Signatures

By: by Harriette Hyche Attorney-in-Fact for		07/08/2005
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Shares acquired through PLC Def. Comp. Plan for Officers of the Corporation (exempt under Rule 16b-3).Total amount in Col. 5 includes dividend shares acquired under the PLC Def. Comp. Plan for Officers exempt under Rule 16-a 11.
(2)	Total shares held by reporting person in PLC's 401(k) & Stock Ownership Plan as of 6/30/05.
(3)	Previously reported Stock Appreciation Right (SAR).
(4)	Previously reported Stock Appreciation Right (SAR).
(5)	Previously reported Stock Appreciation Right (SAR).

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