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 - --------------------- 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