EXHIBIT 99.906
       CERTIFICATION PURSUANT TO SECTION 1350, CHAPTER 63 OF TITLE 18,
         UNITED STATES CODE, AS ADOPTED PURSUANT TO SECTION 906 OF
                       THE SARBANES-OXLEY ACT OF 2002


I, William G. Papesh, President and Chief Executive Officer of WM Variable
Trust (the "Funds"), certify that to my knowledge:

1. The Form N-CSR of the Funds for the period ended December 31, 2003 fully
complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange Act of 1934; and

2. The information contained in the Form N-CSR of the Funds for the period
ended December 31, 2003 fairly presents, in all material respects, the
financial condition and results of operations of the Funds.

Date: March 5, 2004

/s/ William G. Papesh
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President and Chief Executive Officer

WM Variable Trust




       CERTIFICATION PURSUANT TO SECTION 1350, CHAPTER 63 OF TITLE 18,
        UNITED STATES CODE, AS ADOPTED PURSUANT TO SECTION 906 OF THE
                         SARBANES-OXLEY ACT OF 2002

I, Jeffrey L. Lunzer, Treasurer and Chief Financial Officer of WM Variable
Trust (the "Funds"), certify that to my knowledge:

1. The Form N-CSR of the Funds for the period ended December 31, 2003 fully
complies with the requirements of Section 13(a) or 15(d) of the Securities
Exchange Act of 1934; and

2. The information contained in the Form N-CSR of the Funds for the period
ended December 31, 2003 fairly presents, in all material respects, the
financial condition and results of operations of the Funds.

Date: March 5, 2004

/s/ Jeffrey L. Lunzer
- ---------------------
Treasurer and Chief Financial Officer

WM Variable Trust