This certification is provided pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, 18 U.S.C. ss. 1350, and accompanies the report on Form N-CSR for
the period ended June 30, 2004 of The Victory Variable Insurance Funds (the
"Registrant").

I, Kathleen A. Dennis, the Principal Executive Officer of the Registrant,
certify that, to the best of my knowledge,:

1.   the Form N-CSR fully complies with the requirements of Section 13(a) or
     15(d) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78m(a) or
     78o(d)); and

2.   the information contained in the Form N-CSR fairly presents, in all
     material respects, the financial condition and results of operations of
     the Registrant.

August 26, 2004
- ---------------
Date

/s/ Kathleen A. Dennis
- ----------------------
Kathleen A. Dennis
President



This certification is being furnished solely pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and is not being filed as part of Form N-CSR or as
a separate disclosure document. A signed original of this written statement
required by Section 906 has been provided to the Registrant and will be
retained by the Registrant and furnished to the Securities and Exchange
Commission or its staff upon request.



This certification is provided pursuant to Section 906 of the Sarbanes-Oxley
Act of 2002, 18 U.S.C. ss. 1350, and accompanies the report on Form N-CSR for
the period ended June 30, 2004 of The Victory Variable Insurance Funds (the
"Registrant").

I, Adam S. Ness, the Principal Financial Officer of the Registrant, certify
that, to the best of my knowledge,:

3.   the Form N-CSR fully complies with the requirements of Section 13(a) or
     15(d) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78m(a) or
     78o(d)); and

4.   the information contained in the Form N-CSR fairly presents, in all
     material respects, the financial condition and results of operations of
     the Registrant.

August 26, 2004
- ---------------
Date

/s/ Adam S. Ness
- ----------------
Adam S. Ness
Treasurer



This certification is being furnished solely pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002 and is not being filed as part of Form N-CSR or as
a separate disclosure document. A signed original of this written statement
required by Section 906 has been provided to the Registrant and will be
retained by the Registrant and furnished to the Securities and Exchange
Commission or its staff upon request.