ALLMERICA FIN LIFE INS & ANN CO ALLMERICA SEL ACCT
497, 1996-03-12
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                             Prospectus Supplement
                           Allmerica Select Resource
                  Supplement to Prospectus Dated May 1, 1995

The second paragraph under the caption DISTRIBUTION, on page 30 of the 
prospectus, is amended to read in its entirety as follows:

Allmerica Financial pays commissions not to exceed 6.0% of purchase payments 
to broker-dealers which sell the Contracts. Alternative commission schedules 
are available with lower initial commission amounts based on purchase 
payments, plus ongoing annual compensation of up to 1% of contract value. To 
the extent permitted by NASD rules, promotional incentives or payments may 
also be provided to such broker-dealers based on sales volumes, the 
assumption of wholesaling functions, or other sales-related criteria. 
Additional payments may be made for other services not directly related to 
the sale of the Contracts, including the recruitment and training of 
personnel, production of promotional literature, and similar services.

                                   * * *

                                               Supplement Dated March 1, 1996




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