SEPARATE ACCOUNT VA-P OF FIRST ALLMERICA FIN LIFE INSUR CO
N-4, EX-3.(C), 2001-01-19
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PIONEER COMMISSION RATES

<TABLE>
<CAPTION>


                                                                PERCENT OF FUND
                                      PERCENT         ------------------------------------
COMMISSION         ISSUE                OF             DURING SURR      AFTER SURR CHARGE
  OPTION            AGES              PREMIUM         CHARGE PERIOD          PERIOD
------------------------------------------------------------------------------------------
<S>           <C>                     <C>             <C>               <C>

    A         Age 80 & Under           6.00%            0.00%                 0.00%
                  Age 81+              4.00%            0.00%                 0.00%


    B         Age 80 & Under           5.25%            0.25%                 0.25%
                  Age 81+              3.75%            0.20%                 0.25%

    C         Age 80 & Under           4.00%            0.50%                 0.50%
                  Age 81+              3.00%            0.40%                 0.50%

    D         Age 80 & Under           2.00%            1.00%                 1.00%
                  Age 81+              1.75%            0.80%                 1.00%

    E         Age 80 & Under           4.25%            0.25%                 1.00%
                  Age 81+              3.25%            0.20%                 1.00%
</TABLE>




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