DECHERT PRICE & RHOADS
1775 Eye Street, N.W.
WASHINGTON, D.C. 20006
May 6, 1998
VIA EDGAR
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Re: Variable Insurance Funds
(File Nos. 33-81800 and 811-8644)
Dear Sirs:
Pursuant to Rule 497(j) under the Securities Act of 1933 (the "1933
Act"), the undersigned has been authorized by Variable Insurance Funds (the
"Trust") to submit this filing in lieu of a filing under Rule 497(c) under the
1933 Act, and to certify that:
1. the form of prospectus dated May 1, 1998 describing the shares
of the BB&T Growth and Income Fund of the Trust that would
have been filed under Rule 497(c) under the 1933 Act does not
differ from the Prospectus contained in the Trust's most
recent amendment to its registration statement;
2. the form of Prospectus dated May 1, 1998 describing the shares
of the AmSouth Equity Income Fund of the Trust that would have
been filed under Rule 497(c) under the 1933 Act does not
differ from the Prospectus contained in the Trust's most
recent amendment to its registration statement; and
3. the text of the Trust's most recent amendment to its
registration statement, filed on April 29, 1998, has been
filed electronically.
No fees are required in connection with this filing. Please contact the
undersigned at (202) 261-3386 with any questions or comments regarding this
matter.
Sincerely,
/s/Keith T. Robinson
