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VEL ACCOUNT
INHEIRITAGE ACCOUNT
OF
ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY
SUPPLEMENT DATED JANUARY 19,1998 TO PROSPECTUS DATED MAY 1, 1997
The following is added as the last paragraph under APPENDIX A -- OPTIONAL
BENEFITS:
GUARANTEED DEATH BENEFIT RIDER
This rider, WHICH IS AVAILABLE ONLY AT ISSUE, (a) guarantees that your
Policy will not lapse regardless of the performance of the Separate
Account and (b) provides a guaranteed net death benefit. In order to
maintain the rider, certain minimum premium payment tests must be met on
each policy anniversary and within 48 months following the Date of Issue
and/or the date of any increase in Face Amount. In addition, a one-time
administrative charge of $25 will be deducted from Policy Value when the
rider is elected. Certain transactions, including policy loans, partial
withdrawals, and changes in Sum Insured Options, can result in the
termination of the rider. If this rider is terminated, it cannot be
reinstated.
SUPPLEMENT DATED JANUARY 19, 1998
(VEL 93, INHEIRITAGE, SELECT INHEIRITAGE)
