UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 or 15(d) oft the Securities Exchange Act of 1934


       Date of Report (Date of earliest event reported): October 18, 2005


                         ALLMERICA FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)


           Delaware                   1-13754                 04-3263626
   ------------------------    ------------------------   --------------------
  (State or other jurisdic-    (Commission File Number)    (I.R.S. Employer
   tion of incorporation)                                   Identification No.)



               440 Lincoln Street, Worcester, Massachusetts 01653
               --------------------------------------------------
                    (Address of principal executive offices)
                                   (Zip Code)


       Registrant's telephone number, including area code: (508) 855-1000



Check  the  appropriate  box  below  if the  Form  8-K  filing  is  intended  to
simultaneously  satisfy the filing obligation of the registrant under any of the
following provisions:

[    ] Written communications  pursuant to Rule 425 under the Securities Act 
       (17 CFR 230.425)

[    ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
       (17CFR 240.14a-12)

[    ]  Pre-commencement  communications  pursuant  to Rule  14d-2(b)  under the
        Exchange Act (17CFR 240.14d-2(b))

[    ]  Pre-commencement  communications  pursuant  to Rule  13e-4(c)  under the
        Exchange Act (17CFR 240.13e-4(c))




Item 7.01  Regulation FD Disclosure.

The following  information  is being  furnished  under Item 7.01 - Regulation FD
Disclosures. Such information, including the exhibits attached hereto, shall not
be deemed "filed" for purposes of Section 18 of the  Securities Exchange Act of
1934, as amended,  or otherwise subject to the liabilities of that section, nor 
shall such information be deemed incorporated by reference in any  other filing
under the Securities Act of 1933, as amended.

On October 18, 2005, Allmerica Financial Corporation issued the following press
releases:   "Allmerica Financial  Corporation  Announces  Estimated Losses From 
Hurricane  Katrina"   and   "Allmerica  Financial  Corporation  Declares Annual 
Dividend".   The  press  releases  are   furnished  as Exhibits  99.1 and 99.2, 
respectively, to this Current Report  and  are hereby incorporated by reference
in this Item 7.01.



Item 9.01  Financial Statements and Exhibits.

(a)      Not applicable.

(b)      Not applicable.

(c)      Exhibits.

The following exhibits are furnished herewith.

Exhibit 99.1  Press Release, dated October 18, 2005, announcing estimated losses
              from Hurricane Katrina.
Exhibit 99.2  Press Release, dated October 18, 2005, announcing  dividend  of 25
              cents per share.

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                                   SIGNATURES


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned hereunto duly authorized.

                                     Allmerica Financial Corporation
                                     -------------------------------
                                     (Registrant)


Date: October 18, 2005           By: /s/ Edward J. Parry III
                                     -----------------------
                                     Edward J. Parry III
                                     Chief Financial Officer,
                                     Executive Vice President,
                                     Principal Accounting Officer and Director
 


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