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ALLMERICA SELECT SEPARATE ACCOUNT II
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 B -- OPTIONAL
INSURANCE BENEFITS"
GUARANTEED DEATH BENEFIT RIDER
This rider, WHICH IS AVAILABLE ONLY AT ISSUE
- guarantees that your Policy will not lapse regardless of the
investment performance of the Variable Account; and
- 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 Death Benefit Options, can result in
the termination of the rider. If this rider is terminated, it cannot be
reinstated.
SUPPLEMENT DATED JANUARY 19, 1998
(Select Life)
