INHEIRITAGE ACCOUNT OF 1ST ALLMERICA FINANCIAL LIFE INS CO
497, 1996-05-16
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                             PROSPECTUS SUPPLEMENT

         FIRST ALLMERICA FINANCIAL LIFE INSURANCE COMPANY
             Inheiritage Account -- Variable Inheiritage Policies
                (Supplement to Prospectus dated April 30, 1996)


The Select Income Fund of Allmerica Investment Trust is not currently available
for  investment  in New York and Hawaii under the Variable Inheiritage Policies
offered  by the Inheiritage Account of First Allmerica Financial Life Insurance
and Annuity Company.





                                       Supplement Dated April 30, 1996





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