# EDGAR Filing Document

**Accession Number:** 0000810695
**File Stem:** 0001580642-26-000048
**Filing Date:** 2026-1
**Character Count:** 2675
**Document Hash:** c1f4552ea8dbf40705bae13dc7b74947
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001580642-26-000048.hdr.sgml**: 20260105

**ACCESSION NUMBER**: 0001580642-26-000048

**CONFORMED SUBMISSION TYPE**: 497J

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260105

**DATE AS OF CHANGE**: 20260105

**EFFECTIVENESS DATE**: 20260105

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Mutual Fund & Variable Insurance Trust
- **CENTRAL INDEX KEY:** 0000810695

**ORGANIZATION NAME:**
- **EIN:** 043023766
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497J
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-11905
- **FILM NUMBER:** 26504962

**BUSINESS ADDRESS:**
- **STREET 1:** C/O GEMINI FUND SERVICES, LLC
- **STREET 2:** 4221 NORTH 203RD STREET, SUITE 100
- **CITY:** ELKHORN
- **STATE:** NE
- **ZIP:** 68022-3474
- **BUSINESS PHONE:** 800-253-0412

**MAIL ADDRESS:**
- **STREET 1:** C/O GEMINI FUND SERVICES, LLC
- **STREET 2:** 4221 NORTH 203RD STREET, SUITE 100
- **CITY:** ELKHORN
- **STATE:** NE
- **ZIP:** 68022-3474

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HUNTINGTON FUNDS
- **DATE OF NAME CHANGE:** 20040922

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HUNTINGTON FUNDS /MA/
- **DATE OF NAME CHANGE:** 19990106

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MONITOR FUNDS
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### Rational Premium Income Fund (Series ID: S000017165)

| Class ID   | Class Name                                        | Ticker Symbol   |
|:---|:---|:---|
| C000047568 | Rational Premium Income Fund Class A Shares       | HRSAX           |
| C000047570 | Rational Premium Income Fund Institutional Shares | HRSTX           |
| C000169250 | Rational Premium Income Fund Class C Shares       | HRSFX           |

**Mutual Fund and Variable Insurance Trust**

January 5, 2026

U.S. Securities and Exchange Commission

Public Filing Des

k100 F Street, N.E.

Washington, DC 20459

Re: Mutual Fund and Variable Insurance Trust (the "Registrant"); <br> File Nos. 033-11905 and 811-05010

Ladies and Gentlemen:

Pursuant to Rule 497(j) under the Securities Act of 1933, as amended, the undersigned certifies: (i) that the form of Prospectus that would have been filed under paragraph (c) of Rule 497 for Rational Premium Income Fund (formerly, Rational Tactical Return Fund) does not differ from that contained in the Registrant's Post-Effective Amendment No. 232, which was filed with the Commission on December 31, 2025; and (ii) that Post-Effective Amendment No. 232 has been filed electronically with the Commission.

Very truly yours,

<u>/s/ Jennifer Bailey</u> 

Jennifer Bailey

Secretary