Supplement Dated September 10, 1996,
to Prospectus Dated May 1, 1996
Kansas City Life Variable Life Separate Account
Variable Universal Life Contract
Maryland
For contracts sold in the state of Maryland, the prospectus is supplemented
as follows:
The definitions for "No-Lapse Monthly Premium" and "No-Lapse Payment Period"
are added to page 6 of the prospectus and are as follows:
No-Lapse Monthly Premium--An amount used to measure premium payments paid
for purpose of determining whether the guarantee that your Contract will
not lapse during the No-Lapse Payment Period is in effect.
No-Lapse Payment Period--The period of time during which we guarantee that
your Contract will not lapse if the No-Lapse Monthly Premiums are paid.
The following wording is added after the "Guaranteed Payment Period and
Guaranteed Monthly Premium" section of the prospectus on page 19:
No-Lapse Monthly Premium and No-Lapse Payment Period--In addition to the
Guaranteed Payment Period described above, there is a fifteen year No-Lapse
Payment Period. A No-Lapse Payment Period is the period during which Kansas
City Life guarantees that the Contract will not lapse if the amount of total
premiums paid is greater than or equal to the sum of : (1) the accumulated
No-Lapse Monthly Premiums in effect on each prior Monthly Anniversary Date,
and (2) an amount equal to the sum of any partial surrenders taken and
Indebtness under the Contract. The No-Lapse Payment Periods are fifteen
years following the Contract Date and fifteen years following the effective
date of an increase in the Specified Amount. The No-Lapse Monthly Premium
is shown in the Contract. The per $1,000 No-Lapse Monthly Premium factors
for the Specified Amount vary by risk class, issue Age, and sex. Additional
premiums for substandard ratings and supplemental and/or rider benefits are
included in the No-Lapse Monthly Premium. However, upon a change to the
Contract, Kansas City Life will recalculate the No-Lapse Monthly Premium and
will notify you of the new No-Lapse Monthly Premium and amend your Contract
to reflect the change.
The following paragraph is added to the "Premium Payments Upon Increase in
Specified Amount" section on page 19 of the prospectus:
A new No-Lapse Payment Period begins on the effective date of an increase
in Specified Amount. You will be notified of the new No-Lapse Monthly
Premium for this period.
The "After the Guaranteed Payment Period" section on page 20 of the
prospectus is deleted and replaced with the following:
After the Guaranteed Payment Period but During the No-Lapse Payment Period
A grace period starts if on any Monthly Anniversary Day the Cash Surrender
Value is less than the amount of the Monthly Deduction and the accumulated
premiums paid as of the Monthly Anniversary Date are less than required to
guarantee the Contract will not lapse during the No-Lapse Payment Period.
After the No-Lapse Period
A grace period starts if the Cash Surrender Value on a Monthly Anniversary
Day will not cover the Monthly Deduction. A premium sufficient to provide a
Cash Surrender Value equal to three Monthly Deductions must be paid during
the grace period to keep the Contract in force.
The following paragraph is added to the "Changes in Specified Amount"
section on page 30 of the prospectus:
In addition, a new No-Lapse Payment Period will begin on the effective date
of the increase and will continue for fifteen years. The Contract's No-Lapse
Monthly Premium will be recalculated to reflect the increase. If a No-Lapse
Payment Period is in effect, the Contract's No-Lapse Monthly Premium will
also generally be increased. See "No-Lapse Monthly Premium and No-Lapse
Payment Period" above.
The "Special Transfer Right" shown on page 21 of the prospectus is deleted
and replaced with the following:
Right to Exchange
During the first 24 Contract Months following the Contract Date and during
the first 24 Contract Months following the effective date of an increase to
the Specified Amount, the Owner may exercise a one-time Right to Exchange by
requesting that this Contract be exchanged for any flexible premium fixed
benefit policy we offer for exchange on the Contract Date.
