UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
(Amendment No. 8)*
KANSAS CITY LIFE INSURANCE COMPANY
(Name of Issuer)
COMMON STOCK $2.50 PAR VALUE
(Title of Class of Securities)
484836-10-1
(CUSIP Number)
Check the following box if a fee is being paid with this statement
[ ]. (A fee is not required only if the filing person: (1) has a
previous statement on file reporting beneficial ownership of more
than five percent of the class of securities described in Item 1;
and (2) has filed no amendment subsequent thereto reporting
beneficial ownership of five percent or less of such class.) (See
Rule 13d-7).
*The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to the
subject class of securities, and for any subsequent amendment
containing information which would alter the disclosures provided
in a prior cover page.
The information required in the remainder of this cover page shall
not be deemed to be "filed" for the purpose of Section 18 of the
Securities Exchange Act of 1934 ("Act") or otherwise subject to the
liabilities of that section of the Act but shall be subject to all
other provisions of the Act (however, see the Notes).
Page 1 of 8 Pages
CUSIP Number 484836-10-1 13G
1 Name of Report Person
S.S. or I.R.S. Identification No. of Above Person
Ronald E. Hiatt, John K. Koetting and Robert C. Miller,
Trustees of the Kansas City Life Insurance Company
Savings and Investment Plan (the "SIP")
2 Check the Appropriate Box if a Member of a Group*
(a) [ ]
N/A (b) [X]
3 SEC Use Only
4 Citizenship or Place of Organization
Missouri
5 Sole Voting Power
Number of
0 (Participants may instruct the Trustees
Shares how to vote their shares)
Beneficially 6 Shared Voting Power
Owned by 0
Each 7 Sole Dispositive Power
Reporting 441,496 (Trustees have the power to sell
Plan assets)
Person
8 Shared Dispositive Power
With
0
9 Aggregate Amount Beneficially Owned by Each Reporting Person
441,496
10 Check Box if the Aggregate Amount in Row 9 Excludes Certain
Shares*
11 Percent of Class Represented by Amount in Row 9
7.1%
12 Type of Reporting Person*
EP
Page 2 of 8 Pages
CUSIP Number 484836-10-1 13G
1 Name of Report Person
S.S. or I.R.S. Identification No. of Above Person
Ronald E. Hiatt, John K. Koetting and Robert C. Miller,
Trustees of the Kansas City Life Employee Stock Plan (the
"ESOP")
2 Check the Appropriate Box if a Member of a Group*
(a) [ ]
N/A (b) [X]
3 SEC Use Only
4 Citizenship or Place of Organization
Missouri
5 Sole Voting Power
Number of
0 (Participants may instruct the Trustees
Shares how to vote their shares)
Beneficially 6 Shared Voting Power
Owned by 0
Each 7 Sole Dispositive Power
Reporting 42,922 (Trustees have the power to sell
Plan assets)
Person
8 Shared Dispositive Power
With
0
9 Aggregate Amount Beneficially Owned by Each Reporting Person
42,922
10 Check Box if the Aggregate Amount in Row 9 Excludes Certain
Shares*
11 Percent of Class Represented by Amount in Row 9
.7%
12 Type of Reporting Person*
EP
Page 3 of 8 Pages
Item 1(a)Name of Issuer:
Kansas City Life Insurance Company (the "Company").
Item 1(b) Address of Issuer's Principal Executive Offices:
3520 Broadway, Kansas City, Missouri 64111-2565
Item 2(a) Name of Person Filing:
This Statement is being filed by Ronald E. Hiatt,
John K. Koetting and Robert C. Miller, Trustees
("Trustees") of the Kansas City Life Insurance
Company Savings and Investment Plan (the "SIP") and
Trustees of the Kansas City Life Employee Stock plan
(the "ESOP"). The SIP and the ESOP are collectively
referred to as the "Plans". The address of the
Plans and the Trustees is 3520 Broadway, Kansas
City, Missouri 64111-2565. Mr. Hiatt is Treasurer
of the Company. Mr. Koetting is Vice President and
Controller of the Company. Mr. Miller is Senior
Vice President, Administrative Services, of the
Company. Each of the Trustees is a full time em-
ployee of the Company.
Item 2(b) Address of Principal Business Office, or if None,
Residence:
3520 Broadway, Kansas City, Missouri 64111-2565
Item 2(c) Citizenship:
See Cover Page, Item 4
Item 2(d) Title of Class of Securities:
Common Stock, $2.50 par value (the "Stock")
Item 2(e) CUSIP Number:
484836-10-1
Item 3 If this Statement is filed pursuant to Rules 13d-
1(b) or 13d-2(b), check whether the person filing is
a:
(f) [X] Employee Benefit Plan, Pension Fund which
is subject to the provisions of the Employee Retire-
ment Income Security Act of 1974 or Endowment Fund.
Page 4 of 8 Pages
Item 4 Ownership:
(a) Amount Beneficially Owned:
See Cover Page, Item 9
(b) Percent of Class:
See Cover Page, Item 11
(c) Number of Shares as to Which Such Person Has:
(i) Sole power to vote or direct the vote:
See Cover Page, Item 5
(ii) Shared power to vote or direct the vote:
See Cover Page, Item 6
(iii) Sole power to dispose or direct the dis-
position of:
See Cover Page, Item 7
(iv) Shared power to dispose or direct the
disposition of:
See Cover Page, Item 8
This Statement shall not be construed as an admis-
sion that the SIP, the ESOP, or the Trustees of the
respective Plans are, for the purposes of Section
13(d) or 13(g) of the Securities Exchange Act of
1934, the beneficial owner of any securities covered
by this Statement.
Item 5 Ownership of Five Percent or Less of a Class:
Not Applicable
Item 6 Ownership of More than Five Percent on Behalf of
Another Person:
Participants in the Plans have the individual right
to withdraw shares of stock, or the proceeds there-
from, from the Plans in accordance with and subject
to the terms and conditions of the Plans. No other
person is known to have the right to receive or the
Page 5 of 8 Pages
power to direct the receipt of dividends from, or
the proceeds from the sale of, the stock.
Item 7 Identification and Classification of the Subsidiary
Which Acquired the Security Being Reported on by the
Parent Holding Company:
Not Applicable
Item 8 Identification and Classification of Members of the
Group:
Each of the SIP and the SIP Trustees, the ESOP and
the ESOP Trustees, disclaims beneficial ownership of
the shares of common stock of the Company held by
the other.
There are no agreements, arrangements, or under-
standings between or among the SIP and the SIP
Trustees, the ESOP and the ESOP Trustees, and any
other person, party, or group with respect to the
acquisition, holding, voting, or disposition of the
stock.
Item 9 Notice of Dissolution of Group:
Not Applicable
Item 10 Certification:
By signing below, the undersigned certify that, to
the best of the undersigned's knowledge and belief,
the securities referred to above were acquired in
the ordinary course of business and were not ac-
quired for the purpose of and do not have the effect
of changing or influencing the control of the issuer
of such securities and were not acquired in connec-
tion with or as a participant in any transaction
having such purposes or effect.
Material to be Filed as Exhibits:
(a) The SIP Plan document, Twenty-first Amendment,
was filed as Exhibit 10(b) to the Company's
Form 10-K for the period ending December 31,
1994, and the ESOP Plan document, Ninth
Amendment, was filed as Exhibit 10(c) to the
Company's Form 10-K for the period ending
December 31, 1994.
Page 6 of 8 Pages
Signature
After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this
Statement is true, complete, and correct.
Date: February 12, 1997
KANSAS CITY LIFE INSURANCE COMPANY
SAVINGS AND INVESTMENT PLAN
/s/ Ronald E. Hiatt
Ronald E. Hiatt, Trustee
/s/ John K. Koetting
John K. Koetting, Trustee
/s/ Robert C. Miller
Robert C. Miller, Trustee
ATTENTION: INTENTIONAL MISSTATEMENTS OR
OMISSIONS OF FACT CONSTITUTE FEDERAL CRIMINAL
VIOLATIONS (See 18 U.S.C. 1001)
Page 7 of 8 Pages
Signature
After reasonable inquiry and to the best of my knowledge and
belief, I certify that the information set forth in this
Statement is true, complete, and correct.
Date: February 12, 1997
KANSAS CITY LIFE
EMPLOYEE STOCK PLAN
/s/ Ronald E. Hiatt
Ronald E. Hiatt, Trustee
/s/ John K. Koetting
John K. Koetting, Trustee
/s/ Robert C. Miller
Robert C. Miller, Trustee
ATTENTION: INTENTIONAL MISSTATEMENTS OR
OMISSIONS OF FACT CONSTITUTE FEDERAL CRIMINAL
VIOLATIONS (See 18 U.S.C. 1001)
Page 8 of 8 Pages
