February 28, 1996
Dear Customer:
As the owner of a Kansas City Life variable contract, you are entitled to
allocate a portion of your cash accumulations to The Kansas City Life Fixed
Account and/or any of the eleven subaccounts offered by MFS(Variable Insurance
Trust, TCI Portfolio s and Insurance Management Series.
Enclosed are annual reports from the three subaccount managers. These annual
reports contain audited financial statements for the year ended December 31,
1995 for each of the funds. With these reports, you can monitor the progress
of the funds in which you've already invested or for which you may have some
interest in the future.
If you have any questions about the reports or your Century II variable
contract, please call your SFS representative or the home office at our toll-
free number, 1-800-616-3670.
We appreciate your business and want to take this opportunity to thank you for
the trust you have placed in us. As we enter our second century, Kansas City
Life remains committed to helping customers secure a financially-sound future
for themselves and their families.
Sincerely,
W. E. Bixby
President
Enclosures
