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FIRST ALLMERICA FINANCIAL LIFE INSURANCE COMPANY
SUPPLEMENT
TO PROSPECTUSES DATED MAY 1, 1998
VEL II SEPARATE ACCOUNT (VEL 93)
THE INHEIRITAGE ACCOUNT
(VARIABLE AND SELECT INHEIRITAGE PROSPECTUSES)
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New York Replacement Regulations
The state of New York recently amended its regulations concerning the
purchase of a new life insurance policy or annuity contract to replace an
existing policy or contract (a "replacement"). If you purchase a Policy in
New York as a replacement, you may return the Policy within 60 days after
receiving it by mailing or delivering it to the Principal Office or to an
agent of the Company. If you return the Policy, the Policy will be considered
void from the beginning. You will receive a refund equal to the surrender
value of the Policy plus all fees and charges.
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Supplement dated October 30, 1998
