SEPARATE ACCOUNT VA-K OF
             ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY

                            SEPARATE ACCOUNT VA-K OF
                FIRST ALLMERICA FINANCIAL LIFE INSURANCE COMPANY

                  SUPPLEMENT TO PROSPECTUSES DATED MAY 1, 2002

                                     * * *

The first two paragraphs of Footnote (1) under the sub-heading (3) ANNUAL
UNDERLYING FUND EXPENSES under the caption SUMMARY OF FEES AND CHARGES are
deleted in their entirety and replaced with the following:

(1)  Effective May 1, 2002, each Fund has adopted a Plan of Distribution and
     Service under Rule 12b-1 of the 1940 Act ("12b-1 Plan") that permits the
     Funds to pay marketing and other fees to support the sale and distribution
     of the Fund's shares and certain services to investment accounts. The 12b-1
     Plan authorizes payment of a distribution and service fee at an annual rate
     of up to 0.25% of a Fund's average daily net assets. The 12b-1 Plan has
     been implemented at an initial rate of 0.15% of average daily net assets.
     The expenses in the table have been restated as if the 12b-1 Plan had been
     in effect throughout 2001.

     Through December 31, 2002, Allmerica Financial Investment Management
     Services, Inc. ("AFIMS") has declared a voluntary expense limitation of
     1.50% of average net assets for AIT Select International Equity Fund, 1.35%
     for AIT Select Aggressive Growth Fund and AIT Select Capital Appreciation
     Fund, 1.25% for AIT Select Value Opportunity Fund, 1.20% for AIT Select
     Growth Fund, AIT Select Strategic Growth Fund and AIT Core Equity Fund,
     1.10% for AIT Select Growth and Income Fund, 1.00% for AIT Select Strategic
     Income Fund, AIT Select Investment Grade Income Fund and AIT Government
     Bond Fund, and 0.60% for AIT Equity Index Fund and AIT Money Market Fund.

     The actual Total Operating Expenses of the funds were less than their
     respective expense limitations throughout 2001. However, the expenses in
     the table have been restated as if the 12b-1 Plan had been in effect
     throughout 2001. If the 12b-1 Plan had been in effect throughout 2001, and
     absent any voluntary waiver or reimbursement, the Management Fees and Total
     Fund Expenses for the AIT Select Strategic Growth Fund would have been
     0.85% and 1.29%, respectively, and for the AIT Select Strategic Income Fund
     would have been 0.58% and 1.12%, respectively.

                                     * * *

The last section entitled "TERMINATING THE EER" under DESCRIPTION OF THE
CONTRACT- OPTIONAL ENHANCED EARNINGS RIDER is amended in its entirety to read as
follows:

TERMINATING THE EER

Once the EER is chosen, it cannot be discontinued unless the underlying contract
is surrendered, annuitized, or a death benefit is payable. The EER will
terminate on the earliest of the following:

1.       the Annuity Date;

2.       the date the Contract is surrendered;

3.       the date the Company determines a death benefit is payable, if the
         Contract is not continued by the deceased Owner's spouse;

4.       the date that the deceased Owner's spouse, who is also the sole
         beneficiary, continues the Contract but elects to terminate the EER; or

5.       if the deceased Owner's spouse, who is also the sole beneficiary,
         continues the Contract and the EER, then the date the Company
         determines a death benefit is payable upon the death of the new Owner.

If (1) the payment of the death benefit is deferred under the Contract or (2)
the deceased owner's spouse, who is also the sole beneficiary, continues the
Contract but elects to terminate the EER, then the amount of the EER benefit
will be applied to the Contract through an allocation to the Sub-Account
investing in the AIT Money Market Fund and the Rider will terminate.

The EER may not be available in all states. The Company may discontinue offering
the EER at any time.

                                     * * *

The following paragraph is added in its entirety after "MARKET VALUE ADJUSTMENT"
under GUARANTEE PERIOD ACCOUNTS:

PROGRAM TO PROTECT PRINCIPAL AND PROVIDE GROWTH POTENTIAL. Under this feature,
the Owner elects a Guarantee Period and one or more Sub-Accounts. The Company
will then compute the proportion of the initial payment that must be allocated
to the Guarantee Period selected, assuming no transfers or withdrawals, in order
to ensure that the value in the Guarantee Period Account on the last day of the
Guarantee Period will equal the amount of the initial payment, LESS ANY CONTRACT
FEES OR CHARGES THAT ARE APPLICABLE TO THE GUARANTEE PERIOD ACCOUNTS. The
required amount then will be allocated to the pre-selected Guarantee Period
Account and the remaining balance to the other investment options selected by
the Owner in accordance with the procedures described in "PAYMENTS" under
DESCRIPTION OF THE CONTRACT -- THE ACCUMULATION PHASE.

                                     * * *



SUPPLEMENT DATED SEPTEMBER 6, 2002



AFLIAC/FAFLIC Allmerica Exec Annuity Plus 93
AFLIAC/FAFLIC Allmerica Advantage