EXHIBIT 1(3)(c)


COMMISSION (ALLMERICA SELECT SPL)

Compensation 
Frequency:           Premium-based Compensation - Weekly

                     Trail - Quarterly beginning in Contract year 2

Compensation as
Percentage of 
Payment:             Ages up to Issue Age 79*
                     ------------------------

                     The following commission Codes are available:
                     Commission Code A   7.50% upfront commission; no trail
                     Commission Code B   6.00% upfront commission; 0.25% trail
                     Commission Code C   3.50% upfront commission; 1.00% trail

                     Issue Ages 80 to 89* (No Choice)
                     --------------------------------

                     Commission Code C   3.50% upfront commission; 1.00% trail

                    *For Second-to-Die Contracts, the Issue Age of the Older 
                     Insured

                     For Commission Codes B and C, in addition to the initial 
                     commission paid on all payments, a trail commission will 
                     be paid on the first quarterly payment date following the 
                     first anniversary of the date of issue, based on the 
                     Contract Value not including the Loan Account as of the 
                     last day of the quarter.

               No trail commissions will be paid during the first Contract year.