Document:

FORM OF ELECTION/DEFERRAL AGREEMENT

 Exhibit 10.66 
  
 ELECTION/DEFERRAL AGREEMENT 
  
 This Election/Deferral Agreement is entered into this      day of February, 2005, and is between
                     (hereinafter referred to as “        ”) and FIRST ALLMERICA
FINANCIAL LIFE INSURANCE COMPANY, Worcester, Massachusetts (hereinafter referred to as the “Company”). This Agreement is entered into before              has any right,
title or interest in a certain incentive compensation award due pursuant to the terms of the Company’s 2004 Short Term Incentive Compensation Program (the “2004 IC Payment”) which is the subject matter of this Election/Deferral
Agreement. 
  
 NOW THEREFORE, for and in consideration of the
foregoing and the mutual covenants and promises hereinafter set forth, and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows: 
  

	1.	Election to Forego.              hereby elects to forego the receipt of $
             of his 2004 IC Payment (the “$              2004 IC Payment”) and to have said payment
covered by the terms and conditions of this Election/Deferral Agreement. The $              2004 IC Payment will be reduced by any applicable FICA and/or Medicare tax due (the
“Net $              2004 IC Payment”). 

  

	2.	Restricted Share Units. The Net              2004 IC Payment shall be exchanged for Restricted Share Units.
A Restricted Share Unit is equivalent to one (1) share of Allmerica Financial Corporation stock (a “Restricted Share Unit”). The number of Restricted Share Units that
             shall receive shall be determined by using the closing price of Allmerica Financial Corporation stock on February 25, 2005. The terms and conditions of the Restricted
Share Units shall be determined pursuant to the terms of a Restricted Share Unit Agreement between              and the Company dated the      day of
February, 2005. 

  

	3.	Lapse of Restricted Share Units. In the event the Restricted Share Units lapse and are returned to the Company for no consideration,
             shall be entitled to receive back the Net              2004 IC Payment. The payment of this amount,
plus interest, shall be returned to              as soon as possible after the lapse of the Restricted Share Units. The interest rate to be applied to the Net
             2004 IC Payment, solely for purposes of payment under this section, shall be the so-called annual GATT Rate. The annual GATT Rate is set by the Internal Revenue Service
in December of each year for the following year. The GATT Rate for 2005 is 4.89%. 

  

	4.	Vesting of Restricted Share Units. Once the Restricted Share Units have been held by              for a
period of three (3) years and vest, all as pursuant to the terms of the Restricted Share Unit Agreement,              shall have no rights or interest under this Election/Deferral
Agreement to the Net              2004 IC Payment or any interest thereon. 

  

	5.	Non-Assignable. It is agreed that neither              nor any other payee hereunder shall have any right
to commute, sell, assign, transfer or otherwise convey the right to receive any payments hereunder, which payments and the right thereto are expressly declared to be non-assignable and non-transferrable, and in the event of any attempted assignment
or transfer, the Company shall have no liability for failure to recognize any such assignment. 

	6.	Successors and Assigns. This Agreement shall be binding upon the parties hereto, their beneficiaries, heirs, executors, administrators or successors.

  

	7.	Counterparts. This Agreement shall be executed in duplicate counterparts, and each copy shall serve as an original for all purposes, but both counterpart copies shall
constitute one and the same agreement. 

  

	8.	Headings. All headings set forth in this Agreement are intended for convenience only, and shall not control or affect the meaning, constructions, or effect of this Agreement
or of any of the provisions hereof. 

  

	9.	General Creditor. It is understood and agreed that any sums hereunder are and shall be owned by the Company and not by _____ or by any other payee who shall be entitled to
any payments under this Agreement. The Net _____ 2004 IC Payment and any interest thereon shall belong to the Company as part of its funds and for its own use and benefit. A trust is not created by this Agreement, nor shall a constructive trust be
imposed. All payments payable under this Agreement to _____ or to any other payee shall be made by the Company, and both _____ and any other payee always shall be general, unsecured creditors of the Company. All references in this Agreement to the
Net _____ 2004 IC Payment are made herein solely as a means of measuring and determining the amount that the Company is to pay under this Election/Deferral Agreement. 

  
 IN WITNESS WHEREOF, the parties hereto have entered into this Agreement as of the date first above written. 
  

					
	Attest:	 	FIRST ALLMERICA FINANCIAL LIFE
	 	 	INSURANCE COMPANY
			
	  

	 	By:	 	  

	 	 	Name:	 	  

	 	 	Title:	 	  

		
	 	 	  

	 	 	ParticipantOFFER LETTER DATED APRIL 1, 2004 BETWEEN THE REGISTRANT AND MARITA ZURAITIS

 Exhibit 10.67 
  
 April 1, 2004 
  
 Ms. Marita Zuraitis 
 5136 Elder Road 
 Hydes, MD 21082 
  
 Dear Marita: 
  
 I am pleased to confirm our
offer for you to join the Citizens and Hanover insurance companies as President, Property & Casualty Operations. The terms of your offer are as follows: 
  

	1.	Effective on your first day, your salary will be payable in biweekly installments of approximately $19,230.77, which annualizes to $500,000. Your first performance review
will be April 2005 with salary adjustments, if any, commencing as of that date. 

  

	2.	You will participate in the 2004 Annual Incentive Compensation Program (IC) at a target of 90% of your 2004 year-end base salary with a multiplier potential of x2 (with a guaranteed
minimum bonus for 2004 of $225,000). We will not prorate this award based on your employment date. The target goals shall be established in accordance with the Allmerica Financial Corporation Short-Term Incentive Plan. Any IC payment is contingent
upon you being employed at Allmerica at the time the payment is made and is subject to the terms of the program. 

  

	3.	You will receive a $250,000 gross hire-on bonus payable to you within your first pay period. Should you voluntarily leave the company within one (1) year of employment, you agree to
repay the bonus paid by the company on the following schedule: 

  

									
	 	 	Less than 3 months:	 	100% of bonus	 	 	 	 
	 	 	Four to Six months:	 	75% of bonus	 	 	 	 
	 	 	Seven to Nine months:	 	50% of bonus	 	 	 	 
	 	 	Ten to Twelve months:	 	25% of bonus	 	 	 	 

  

	4.	You will be granted 6,452 shares of AFC restricted stock on your first date of employment (“Employment Date”). These shares of restricted stock have a 3 year restriction;
3 years from your Employment Date, the restriction will lapse and the shares will fully vest as long as you are still employed with Allmerica. Additionally, you will be granted 100,000 stock options and 13,000 performance based shares of restricted
stock on your Employment Date. The strike price of the stock options will be the price of AFC stock at the close of business on your Employment Date. Stock options vest over a 3 year period, 25% after one year of employment, an additional 25% after
two years of employment and an additional 50% after three years of employment. The performance-based shares will vest after three years of active employment, and the number of 

 Ms. Marita Zuraitis 
 Page 2

  
 shares you receive will be based on a three year ROE target.
Subject to the three year active employment requirement, vesting of all 13,000 shares will occur if the ROE target of 12% is met for 2006. The granting of all shares of restricted stock and stock options is subject to the approval of the
Compensation Committee of the Board of Directors and the terms and conditions of the Allmerica Financial Corporation Long-Term Stock Incentive Plan (the “Stock Incentive Plan”), and as otherwise specified in the grants. Consideration will
also be given to you when stock options are awarded in 2005, in which case it is expected that the value of your Long Term Incentive Award would be targeted at 160% of your year-end base salary. 
  

	5.	You will be eligible to participate in Allmerica Financial’s benefit program, including, but not limited to, Group Medical, Dental, Life, Short and Long Term Disability
Insurance, 401(k) Matched Savings Plan and Cash Balance Pension Plan, in accordance with the eligibility and entrance date requirements for each plan. 

  

	6.	You will be eligible to earn five (5) weeks vacation annually. 

  

	7.	You will be eligible to receive relocation assistance under the current Allmerica Relocation program. A copy of the program is enclosed for your information. In order to execute
this benefit, it is necessary that you sign and return the enclosed Relocation Expense Agreement. 

  

	8.	As a condition of employment, all employees will be paid through Electronic Funds Transfer (EFT). You may elect to distribute your pay into one or more accounts. Please bring a
voided check from your bank account to arrange for EFT. 

  

	9.	Under the Federal Immigration Law, you will be required to complete an I-9 form verifying your employment eligibility in the United States. 

  

	10.	If your employment is involuntarily terminated without Cause within twelve (12) months from your (“Employment Date”) as a direct result of a Change in Control of Allmerica
Financial Corporation (“AFC”) or a merger or acquisition of The Hanover Insurance Company, then upon the execution of a severance agreement and release in a form acceptable to the Company (which shall include a confidentiality agreement
and a non-solicit/non-hire provision consistent with paragraph 11 below) (the “Severance Agreement”), you shall be eligible for severance compensation equal to 2x your then current annualized base salary. At such time as the Compensation
Committee adopts a new Change in Control plan applicable to the then current executive officers of the Company, you will be recommended to participate in that plan on a basis appropriate for your position with the Company. In addition, if within
twelve (12) months from your first day of employment, Frederick H. Eppinger, Jr. is no longer President and Chief Executive Officer of AFC and within six (6) months from the date of such event (i) your employment is involuntarily terminated
without Cause, or (ii) your Current Base Salary and bonus opportunity (expressed as a target percentage of your Current Base Salary) is reduced, or (iii) your duties and responsibilities change, without your consent, and such changes
are effectively a demotion and material diminishment in the scope of your responsibilities from those at both time of hire and immediately prior to such event, then you may terminate your employment with us and be eligible to receive
severance compensation equal to 2x your Current Base Salary upon the execution of the Severance Agreement. In the event you believe the provisions under clauses (ii) and (iii) in the immediately preceding sentence are triggered, you must first give
us written notice within (10) business days of the occurrence of such triggering event of your intent to terminate, the basis claimed therefor and a proposed termination date 30 days thereafter. The Company shall have the right to cure within 15
days of receipt of notice. “Cause” and “Change in Control” shall have the meanings assigned to them in the Stock Incentive Plan. Notwithstanding this provision and other provisions of this offer letter, your employment with the
Company will be on an at-will basis. 

 Ms. Marita Zuraitis 
 Page 3

  

	11.	Finally, as a condition of your hiring and continued employment thereafter, you agree that you will not, directly or indirectly, during the term of your employment with the Company
and for a period of one year thereafter, hire, solicit, entice away or in any way interfere with the Company’s relationship with, any of its policyholders, customers, clients, agents, vendors, officers or employees, or in any way participate
with, assist or encourage a third party to do so. We understand that there are no impediments such as non-solicitation or non-competition arrangements which would impede your ability to carry out your contemplated responsibilities with the Company.

  
 Congratulations, Marita! I am truly excited that you are joining
our Property and Casualty operation! Please do not hesitate to call me at (508) 855-2600, if you have any questions. 
  
 Sincerely, 
  

	
	 /s/ Frederick H. Eppinger, Jr.

	Frederick H. Eppinger, Jr.
	President & Chief Executive Officer

  
 The foregoing terms and conditions of
employment are hereby agreed to and accepted: 
  

					
	 /s/Marita Zuraitis

	 	 04-05-04
  
	 	 
	Marita Zuraitis	 	Date

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