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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 DoJoaqtlkeSd04oo+tuAi/MvvCM13yS40s4f+8/WknVH2gTbuj9bFDOnaZV3FnvC
 8OEyN7CwpCwVjHrZtUtYKA==

<SEC-DOCUMENT>0000944695-04-000003.txt : 20040112
<SEC-HEADER>0000944695-04-000003.hdr.sgml : 20040112
<ACCEPTANCE-DATETIME>20040112174256
ACCESSION NUMBER:		0000944695-04-000003
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040112
FILED AS OF DATE:		20040112

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			LAVEY RICHARD W
		CENTRAL INDEX KEY:			0001275977

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13754
		FILM NUMBER:		04521368

	MAIL ADDRESS:	
		STREET 1:		ALLMERICA FINANCIAL CORP
		STREET 2:		440 LINCOLN STREET
		CITY:			WORCESTER
		STATE:			MA
		ZIP:			01563

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ALLMERICA FINANCIAL CORP
		CENTRAL INDEX KEY:			0000944695
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				043263626
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		440 LINCOLN ST
		CITY:			WORCESTER
		STATE:			MA
		ZIP:			01653
		BUSINESS PHONE:		5088551000

	MAIL ADDRESS:	
		STREET 1:		440 LINCOLN ST
		CITY:			WORCESTER
		STATE:			MA
		ZIP:			01653
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>primary_doc.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>

<ownershipDocument>

    <schemaVersion>X0201</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-01-12</periodOfReport>


    <noSecuritiesOwned>1</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000944695</issuerCik>
        <issuerName>ALLMERICA FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>AFC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001275977</rptOwnerCik>
            <rptOwnerName>LAVEY RICHARD W</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>ALLMERICA FINANCIAL CORP</rptOwnerStreet1>
            <rptOwnerStreet2>440 LINCOLN STREET</rptOwnerStreet2>
            <rptOwnerCity>WORCESTER</rptOwnerCity>
            <rptOwnerState>MA</rptOwnerState>
            <rptOwnerZipCode>01653</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Vice President of Subsidiary</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>



    <ownerSignature>
        <signatureName>/s/Richard W. Lavey</signatureName>
        <signatureDate>2004-01-12</signatureDate>
    </ownerSignature>

</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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