VOYAGEUR INSURED FUNDS
485BPOS, EX-99.B.E(1)(II), 2000-10-30
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                                                                EXHIBIT E(1)(ii)

                             VOYAGEUR INSURED FUNDS
                               ADOPTION AGREEMENT
                      (RELATING TO DISTRIBUTION AGREEMENTS)



         This Adoption Agreement (the "Agreement") made as of November 1, 1999
by and between Voyageur Insured Funds, a Delaware Business Trust (the "Trust"),
on behalf of each of its series (each, a "Series"), and Delaware Distributors,
L.P. ("DDLP"), a Delaware limited partnership.

                                    RECITALS:

         WHEREAS, the Trust is an investment company registered under the
Investment Company Act of 1940, as amended; and

         WHEREAS, the Trust is the successor to Voyageur Insured Funds, Inc.
(the "Predecessor Corporation") and, on behalf of each Series, intends to adopt
the Distribution Agreement applicable to the corresponding series (the
"Predecessor Series") of the Predecessor Corporation.

         WHEREAS, the Distribution Agreements in effect between the Predecessor
Corporation, on behalf of the Predecessor Series, and DDLP are set forth in
Schedule A to this Agreement.

         NOW, THEREFORE, the parties hereto agree as follows:

1.       Each Distribution Agreement previously in effect between the
         Predecessor Corporation, on behalf of a Predecessor Series, and DDLP is
         hereby adopted in its entirety by the Trust on behalf of the
         corresponding Series, except that all references to the Predecessor
         Corporation shall be replaced with references to the Trust and all
         references to the Predecessor Series shall be replaced with references
         to the corresponding Series.

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2.       Each Distribution Agreement shall continue in full force and effect as
         set forth therein for the remainder of its term.

         IN WITNESS WHEREOF, the undersigned have executed this Agreement as of
the date set forth above.

                                        VOYAGEUR INSURED FUNDS


                                        By: /s/ David K. Downes
                                            --------------------------------
                                        Name:    David K. Downes
                                        Title:   President


                                        DELAWARE DISTRIBUTORS, L.P.

                                        By:   Delaware Distributors, Inc., its
                                              General Partner


                                        By: /s/ J. Chris Meyer
                                            --------------------------------
                                        Name:    J. Chris Meyer
                                        Title:   Senior Vice President

<PAGE>   3

                             VOYAGEUR INSURED FUNDS
                               ADOPTION AGREEMENT
                      (RELATING TO DISTRIBUTION AGREEMENTS)

                                   SCHEDULE A


Distribution Agreement dated as of 3/1/97 between Voyageur Insured Funds, Inc.,
on behalf of Delaware Voyageur Minnesota Insured Fund and Delaware Voyageur
Tax-Free Arizona Insured Fund, and Delaware Distributors, L.P.



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