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                                PROSPECTUS SUPPLEMENT
                   FIRST ALLMERICA FINANCIAL LIFE INSURANCE COMPANY
                                           
                               FULCRUM SEPARATE ACCOUNT
                     SUPPLEMENT TO PROSPECTUS DATED JULY 2, 1997

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Effective January 1, 1998, the following is added as the second sentence to the
second paragraph under "DISTRIBUTION" on page 38 of the prospectus:

    Alternative commission schedules are available with lower initial
    commission amounts based on payments, plus ongoing annual compensation of
    up to 1% of Contract Value.


Supplement Dated December 29, 1997



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