DECHERT PRICE & RHOADS
1775 EYE STREET, N.W.
WASHINGTON, D.C. 20006
May 5, 2000
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
Ladies and Gentlemen:
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 Statement of Additional Information dated May 1, 2000
describing the shares of the BB&T Growth and Income Fund and BB&T
Capital Manager Fund of the Trust that would have been filed
under Rule 497(c) under the 1933 Act does not differ from the
Statement of Additional Information contained in the Trust's most
recent amendment to its registration statement;
2. the Form of Statement of Additional Information dated May 1, 2000
describing the shares of the AmSouth Equity Income Fund, AmSouth
Select Equity Fund, and AmSouth Regional Equity Fund of the Trust
that would have been filed under Rule 497(c) under the 1933 Act
does not differ from the Statement of Additional Information
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 28, 2000, 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
