EX-99.906 CERT
                                                                      Item 10(b)

                  CERTIFICATION PURSUANT TO SECTION 906 OF THE
         SARBANES-OXLEY ACT OF 2002 (SUBSECTIONS (A) AND (B) OF SECTION
                1350, CHAPTER 63 OF TITLE 18, UNITED STATES CODE)


In connection with the attached Report of SBL Fund (the "Fund") on Form N-CSR to
be filed with the Securities and Exchange Commission (the "Report"), each of the
undersigned officers of the Fund does hereby certify that, to the best of such
officer's knowledge:

1.       The Report fully complies with the requirements of 13(a) or 15(d) of
         the Securities Exchange Act of 1934 (the "1934 Act"); and

2.       The information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         the Fund as of, and for, the periods presented in the Report.


                                        By:      JAMES R. SCHMANK
                                                 -------------------------------
                                                 James R. Schmank, President

                                        Date:    March 5, 2004


                                        By:      BRENDA M. HARWOOD
                                                 -------------------------------
                                                 Brenda M. Harwood, Treasurer

                                        Date:    March 5, 2004

A signed original of this written statement required by Section 906 has been
provided to the Fund and will be retained by the Fund and furnished to the
Securities and Exchange Commission (the "Commission") or its staff upon request.