SEPARATE ACCOUNTS D E F OF ALLMERICA FIN LIFE INS & ANNU CO
24F-2NT, 1998-03-27
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<PAGE>
                ANNUAL NOTICE OF SECURITIES SOLD PURSUANT TO RULE 24F-2

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                                    UNITED STATES
                        SECURITIES AND EXCHANGE COMMISSION
                               Washington, D.C.  20549

                                      FORM 24F-2
                           ANNUAL NOTICE OF SECURITIES SOLD
                                PURSUANT TO RULE 24F-2
               READ INSTRUCTIONS AT END OF FORM BEFORE PREPARING FORM.

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1.    Name and address of issuer:       AFLIAC
                                   440 Lincoln Street
                                   Worcester, MA 01653

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2.    The name of each series or class of securities for which 
      this Form is filed (If the Form is being 
      filed for all series and classes of securities of the 
      issuer, check the box but do not list series or classes):
                 /X/   Separate Account D, E & F

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3.      Investment Company Act File Number: 

        Securities Act File Number: 2-62002

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4 (a).  Last day of fiscal year for which this Form is filed.   12/31/97


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4 (b).  / /  Check box if this Form is being filed late (I.E., 
             more than 90 calendar days after the end 
             of the issuer's fiscal year).  (See Instruction A.2)

             NOTE:  IF THE FORM IS BEING FILED LATE, INTEREST MUST BE PAID ON
             THE REGISTRATION FEE DUE.
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4 (c).  /  / Check box if this is the last time the issuer will be filing this
             Form.

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5.      Calculation of registration fee:

<TABLE>
    <S>      <C>                                              <C>                 <C>
      (i)    Aggregate sale price of securities sold during
             the fiscal year pursuant to section 24(f):                           $        0

     (ii)    Aggregate price of securities redeemed or
             repurchased during the fiscal year:              $  227,059

    (iii)    Aggregate price of securities redeemed or 
             repurchased during any PRIOR fiscal year ending
             no earlier than October 11, 1995 that were not
             previously used to reduce registration fees 
             payable to the Commission:                       $        0

     (iv)    Total available redemption credits [add Items 5(ii)
             and 5(iii)]:                                      -                  $  227,059

      (v)    Net sales - if Item 5(i) is greater than Item 5(iv)
             [subtract Item 5(iv) from Item 5(i)]:                                $        0
    
     (vi)    Redemption credits available for use in future years                 $  (N/A)
             - if Item 5(i) is less than Item 5(iv) [subtract
             Item 5(iv) from Item 5(i)]:

    (vii)    Multiplier for determining registration fee (See 
             Instruction C.9):                                        X  N/A

    (viii)   Registration fee due [multiply Item 5(v) by Item 
             5(vii)] (enter "0" if no fee is due):      =    $        0
</TABLE>
<PAGE>


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6.   Prepaid Shares

     If the response to Item 5(i) was determined by deducting an amount of 
     securities that were registered under the Securities Act of 1933 
     pursuant to rule 24e-2 as in effect before October 11, 1997, then report 
     the amount of securities (number of shares or other units) deducted 
     here:   If there is a number of shares or other units that were 
     registered pursuant to rule 24e-2 remaining unsold at the end of the 
     fiscal year for which this form is filed that are available for use by 
     the issuer in future fiscal years, then state that number here: 
     ________.  NOT APPLICABLE

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7.   Interest due - if this Form is being filed more than 90 days after the
     end of the issuer's fiscal year (see Instruction D):                  

<TABLE>
<S>                                                                             <C>
                                                                                + $  (N/A)
</TABLE>
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8.  Total of the amount of the registration fee due plus any interest due
    [line  5(viii) plus line 7]:                               =    $        0
                                                                    ----------


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9.  Date the registration fee and any interest payment was sent to the
    Commission's lockbox depository:

        March 26, 1998         Method of Delivery:
                                  /  /  Wire Transfer

                                  /  /  Mail or other means
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                                      SIGNATURES

This report has been signed below by the following persons on behalf of the
issuer and in the capacities and on the dates indicated.

By (Signature and Title)*  /s/ Sheila B. St. Hilaire
                           ---------------------------------------------------

                           Sheila B. St. Hilaire - Assistant Vice President and
                           Counsel

                           ---------------------------------------------------



Date   3/26/98
      ------------


     *Please print the name and title of the signing officer below the 
      signature.


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