KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT, S-6EL24/A, 1997-07-15

KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT
S-6EL24/A, 1997-07-15

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As filed with the Securities and Exchange Commission on
April 18, 1997.
Registration No. 333-25443

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

PRE-EFFECTIVE AMENDMENT NO. 1 TO

FORM S-6

FOR REGISTRATION UNDER THE SECURITIES ACT OF 1933 OF SECURITIES OF
UNIT INVESTMENT TRUSTS REGISTERED ON FORM N-8B-2

Kansas City Life Variable Life Separate Account (Exact name of trust)

KANSAS CITY LIFE INSURANCE COMPANY
(Name of depositor)
3520 Broadway
Kansas City, Missouri 64141-6139
(Complete address of depositor's principal
executive offices)

C. John Malacarne
Kansas City Life Insurance Company
3520 Broadway Kansas City, Missouri 64141-6139
(Name and complete address of agent for service)

Approximate date of proposed public offering:
As soon as practicable after the effective date of this Registration
Statement.

Securities Being Offered -- Flexible Premium Variable Joint Survivorship Life
Insurance Contracts.

Pursuant to Rule 24f-2 of the Investment Company Act of 1940, the Registrant
has elected to register an indefinite amount of
the securities being offered.

The Registrant hereby amends this Registration Statement on such date or
dates as may be necessary to delay its effective date until the
Registrant shall file a further amendment which specifically states that this
Registration Statement shall thereafter become effective in accordance with
Section 8(a) of the Securities Act of 1933 or until the
Registration Statement shall become effective on such date as the Commission,
acting pursuant to said Section 8(a), may determine.

KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT

KANSAS CITY LIFE INSURANCE COMPANY

Cross Reference to Items Required by Form N-8B-2

Item Caption in Prospectus
1 Cover Page
2 Cover Page
3 Not applicable
4 Sale of the Contracts
5 Kansas City Life Variable Life Separate Account
6 Kansas City Life Variable Life Variable Account
7 Not applicable
8 Not applicable
9 Legal Matters
10 Summary and Diagram of the Contract; Premium Payments and
Allocations; Addition, Deletion or Substitution of Investments;
Voting Rights
11 The Funds
12 The Funds
13 Charges and Deductions
14 Premium Payments and Allocations
15 Premium Payments and Allocations
16 The Funds
17 Surrender Privilege; Withdrawal of Cash Surrender Value
18 Kansas City Life Variable Life Separate Account
19 Reports to Contract Owners
20 Not Applicable
21 Contract Loans
22 Not applicable
23 Not applicable
24 Not applicable
25 Kansas City Life Insurance Company
26 Not applicable
27 Kansas City Life Insurance Company
28 Kansas City Life Directors and Executive Officers
29 Not applicable
30 Not applicable
31 Not applicable
32 Not applicable
33 Not applicable
34 Not applicable
35 Not applicable
36 Not applicable
37 Not applicable
38 Sale of Contracts
39 Sale of Contracts
40 Sale of Contracts
41 Not applicable
42 Not applicable
43 Not applicable
44 Determining the Contract Value
45 Not applicable
46 Not applicable
47 General Information About Kansas City Life, the Variable Account and
the Funds
48 Not applicable
49 Not applicable
50 The Variable Account
51 Premium Payments and Allocations; Death Benefit and Changes in
Specified Amount; Sale of the Contracts
52 Addition, Deletion or Substitution of Investments
53 Not applicable
54 Not applicable
55 Illustration of Contract Values, Cash Surrender Value, Death
Benefits and Accumulated Premium Payments
56 Illustration of Contract Values, Cash Surrender Value, Death
Benefits and Accumulated Premium Payments
57 Illustration of Contract Values, Cash Surrender Value, Death
Benefits and Accumulated Premium Payments
58 Not applicable
59 Financial Statements

PROSPECTUS
FLEXIBLE PREMIUM SURVIVORSHIP VARIABLE UNIVERSAL LIFE INSURANCE CONTRACTS
KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT OF
Kansas City Life Insurance Company

Home Office: Correspondence to:
3520 Broadway Variable Administration
Kansas City, Missouri 64111-2565 P.O. Box 419364
Telephone (816) 753-7000 Kansas City, Missouri 64141-6364
Telephone (800) 616-3670

This Prospectus describes a flexible premium survivorship variable universal
life insurance contract (the "Contract") offered by Kansas City Life
Insurance Company ("Kansas City Life," "we," "us" or "our"). The Contract is
designed to provide insurance protection on the death of the last surviving of
the two Insureds named in the Contract, and at the same time provide you with
the flexibility to vary the amount and timing of premium payments and to
change the amount of Death Benefits payable under the Contract. This
flexibility allows you to provide for your changing insurance needs under a
single insurance contract.

You also have the opportunity to allocate Net Premium payments and Contract
Value to one or more Subaccounts of the Kansas City Life Variable Life
Separate Account (the "Variable Account") and to Kansas City Life's general
account (the "Fixed Account"), within limits. This Prospectus generally
describes only that portion of the Contract Value allocated to the Variable
Account. For a brief summary of the Fixed Account, see "Fixed Account," page
24. The assets of each Subaccount are invested in a corresponding portfolio
(each, a "Portfolio") of MFS Variable Insurance Trust ("MFS Trust"), of
American Century Variable Portfolios, Inc. ("American Century Variable
Portfolios"), of Federated Insurance Series, of Dreyfus Variable Investment
Fund, and of Dreyfus Stock Index Fund. (MFS Trust, American Century Variable
Portfolios, Federated Insurance Series, Dreyfus Variable Investment Fund and
Dreyfus Stock Index Fund are each referred to as a "Fund"). Each Fund is
managed by the investment adviser shown below:

MFSr Variable Insurance TrustSM Manager
MFS Research Series Massachusetts Financial Services
MFS Emerging Growth Series Company
MFS Total Return Series
MFS Bond Series
MFS World Governments Series
MFS Utilities Series

American Century Variable Portfolios Manager

American Century VP Capital Appreciation American Century Investment
American Century VP International Management, Inc.

Federated Insurance Series Manager
Federated American Leaders Fund II Federated Advisers
Federated High Income Bond Fund II
Federated Prime Money Fund II

Dreyfus Variable Investment Fund Manager
Capital Appreciation Portfolio The Dreyfus Corporation
Small Cap Portfolio

Dreyfus Stock Index Fund Manager
The Dreyfus Corporation

The accompanying prospectuses for MFS Trust, American Century Variable
Portfolios, Federated Insurance Series, Dreyfus Variable Investment Fund and
Dreyfus Stock Index Fund describe their respective Portfolios, including the
risks of investing in the Portfolios, and provide other information on MFS
Trust, American Century Variable Portfolios, Federated Insurance Series,
Dreyfus Variable Investment Fund and Dreyfus Stock Index Fund.

You can select from three Coverage Options available under the Contract which
determine the amount of Death Benefit proceeds payable. Kansas City Life
offers a Guaranteed Minimum Death Benefit Option which guarantees payment of
the Specified Amount (less Indebtedness and past due charges) upon the death
of the last surviving Insured provided that you meet the premium payment
requirements.

The Contract provides for a Cash Surrender Value that can be obtained by
surrendering the Contract. Because this value is based on the performance of
the Portfolios of the Funds, to the extent of allocations to the Variable
Account, there is no guaranteed minimum Cash Surrender Value. If the Cash
Surrender Value is insufficient to cover the charges due under the Contract,
the Contract will lapse without value. The Contract also permits loans and
partial surrenders, within limits.

It may not be advantageous to replace existing insurance with this Contract.
Within certain limits, you may return the Contract.

THIS PROSPECTUS PRESENTS CONCISELY THE INFORMATION YOU SHOULD KNOW BEFORE
DECIDING TO PURCHASE A CONTRACT. IT SHOULD BE RETAINED FOR FUTURE REFERENCE.
PROSPECTUSES FOR MFS VARIABLE INSURANCE TRUST, AMERICAN CENTURY VARIABLE
PORTFOLIOS, INC., FEDERATED INSURANCE SERIES, DREYFUS VARIABLE INVESTMENT FUND
AND DREYFUS STOCK INDEX FUND MUST ACCOMPANY THIS PROSPECTUS AND SHOULD BE READ
IN CONJUNCTION WITH THIS PROSPECTUS.

AN INVESTMENT IN THE CONTRACT IS NOT A DEPOSIT OR OBLIGATION OF, OR GUARANTEED
OR ENDORSED BY, ANY BANK, NOR IS THE CONTRACT FEDERALLY INSURED BY THE FEDERAL
DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENT AGENCY. AN INVESTMENT
IN THE CONTRACT INVOLVES CERTAIN RISKS, INCLUDING THE LOSS OF PREMIUM PAYMENTS
(PRINCIPAL).

THESE SECURITIES HAVE NOT BEEN APPROVED OR DISAPPROVED BY THE SECURITIES AND
EXCHANGE COMMISSION OR ANY STATE SECURITIES COMMISSION NOR HAS THE SECURITIES
AND EXCHANGE COMMISSION OR ANY STATE SECURITIES COMMISSION PASSED UPON THE
ACCURACY OR ADEQUACY OF THIS PROSPECTUS. ANY REPRESENTATION TO THE CONTRARY
IS A CRIMINAL OFFENSE.

The Date of this Prospectus is ____________, 1997.

PROSPECTUS CONTENTS
Page
DEFINITIONS OF TERMS 5
SUMMARY AND DIAGRAM OF THE CONTRACT 9

GENERAL INFORMATION ABOUT KANSAS CITY LIFE,
THE VARIABLE ACCOUNT AND THE FUNDS 17
Kansas City Life Insurance Company 17
Kansas City Life Variable Life Separate Account 17
The Funds 17
Resolving Material Conflicts 19
Addition, Deletion or Substitution of Investments 20
Voting Rights 20

PREMIUM PAYMENTS AND ALLOCATIONS 21
Applying for a Contract 21
Free Look Right to Cancel Contract 22
Premiums 22
Premium Payments to Prevent Lapse 23
Premium Allocations and Crediting 24
Transfer Privilege 24
Dollar Cost Averaging Plan 24
Portfolio Rebalancing Plan 25

FIXED ACCOUNT 25
Minimum Guaranteed and Current Interest Rates 26
Calculation of Fixed Account Value 26
Transfers from Fixed Account 26
Payment Deferral 26

CHARGES AND DEDUCTIONS 26
Premium Expense Charges 26
Monthly Deduction 27
Daily Mortality and Expense Risk Charge 29
Transfer Processing Fee 29
Partial Surrender Fee 29
Fund Expenses 29
Bonus on Contract Value in the Variable Account 29
Reduced Charges for Eligible Groups 30
Other Tax Charge 30

HOW YOUR CONTRACT VALUES VARY 30
Determining the Contract Value 30
Cash Surrender Value 31

DEATH BENEFIT 31
Amount of Death Benefit Proceeds 31
Total Sum Insured, Specified Amount, Additional Insurance Amount 32
Coverage Options 32
Corridor Death Benefit 32
Guaranteed Minimum Death Benefit Option 32
Effect of Combinations of Specified Amount and Additional Insurance Amount33
Selecting and Changing the Beneficiary 34

CHANGES IN DEATH BENEFIT 34
Investment Performance Impact on Death Benefit 34
Changes in Coverage Option 34
Increases in the Additional Insurance Amount 34
Decreases in Total Sum Insured 35

CASH BENEFITS 35
Contract Loans 35
Surrendering the Contract for Cash Surrender Value 37
Partial Surrenders 37
Payment Options 37
Specialized Uses of the Contract 38

ILLUSTRATIONS OF CONTRACT VALUES, CASH SURRENDER VALUES, DEATH BENEFITS AND
ACCUMULATED PREMIUM PAYMENTS 39
OTHER CONTRACT BENEFITS AND PROVISIONS 41
Limits on Rights to Contest the Contract 44
Changes in the Contract or Benefits 44
When Proceeds Are Paid 44
Reports to Contract Owners 45
Assignment 45
Reinstatement of Contract 45
Optional Benefits and Riders 45

TAX CONSIDERATIONS 46
Tax Status of the Contract 46
Tax Treatment of Contract Benefits 47
Possible Charge for Kansas City Life's Taxes 49

OTHER INFORMATION ABOUT THE CONTRACTS AND KANSAS CITY LIFE 50
Sale of the Contracts 50
Telephone Transfer, Premium Allocation and Loan Privileges 50
Kansas City Life Directors and Executive Officers 50
State Regulation 52
Additional Information 52
Experts 53
Litigation 53
Legal Matters 53
Financial Statements 53

THIS PROSPECTUS DOES NOT CONSTITUTE AN OFFERING IN ANY JURISDICTION IN WHICH
SUCH OFFERING MAY NOT BE LAWFULLY MADE. NO PERSON IS AUTHORIZED TO MAKE ANY
REPRESENTATIONS IN CONNECTION WITH THE OFFERING OTHER THAN THOSE CONTAINED IN
THIS PROSPECTUS, THE PROSPECTUSES OF THE FUNDS, OR THE STATEMENTS OF
ADDITIONAL INFORMATION OF THE FUNDS.

DEFINITIONS OF TERMS

Accumulation Unit An accounting unit used to calculate Variable Account
Value. It is a measure of the net investment results of each of the
Subaccounts.

Additional Insurance Amount The amount of insurance coverage under the
Contract which is not part of the Specified Amount. The Guaranteed Minimum
Death Benefit Option, if elected, does not guarantee the Additional Insurance
Amount.

Age Age means the age of each Insured on their last
birthday as of each contract anniversary.

Allocation Date The date on which the initial Net Premium is allocated
to the Federated Prime Money Fund II Subaccount. The Allocation Date is the
later of the date when all underwriting and other requirements have been met and
your application has been approved, or the date the initial premium is received
at the Home Office.

Beneficiary The Beneficiary is the person you have designated in the
application or in the last beneficiary designation filed with us to receive any
proceeds payable under the Contract at the death of the last surviving
Insured.

Cash Surrender Value The Contract Value at the time of surrender less any
Contract Indebtedness.

Contract Anniversary The same day and month as the Contract Date each year
that the Contract remains in force.

Contract Date The date on which coverage under the Contract takes
effect. Contract Months, Years and Anniversaries are measured from the Contract
Date. The incontestability and suicide periods for the Total Sum Insured are
measured from this date.

Contract Value The sum of the Variable Account Value and the Fixed
Account Value (including the Loan Account Value). Calculation of the Contract
Value is described on page 28.

Contract Year A period of twelve months starting with the Contract
Date and each Contract Anniversary thereafter.

Corridor Death Benefit A Death Benefit under the Contract designed to ensure
that in certain situations the Contract will not be disqualified as a life
insurance contract under Section 7702 of the Internal Revenue Code, as amended.
The Corridor Death Benefit is calculated by multiplying the Contract Value by
the applicable corridor percentage.

Coverage Options The Coverage Option selected determines the amount of
Death Benefit proceeds payable. Three coverage options (A, B or L) are
available. These options are described in "Coverage Options," page 30.

Death Benefit Proceeds The amount of proceeds payable upon the death of the
last surviving Insured. The Death Benefit is determined according to the
Coverage Option that has been elected. The Death Benefit will also be affected
if the Corridor Death Benefit is applicable or if the Guaranteed Minimum Death
Benefit Option is in effect. Any Indebtedness is deducted from the amount
payable.

Excess Premium The portion of total premiums received during any
Contract Year that exceeds the Target Premium.

Fixed Account An account that is part of our General Account, and is
not part of or dependent on the investment performance
of the Variable Account.

Fixed Account Value The Contract Value in the Fixed Account.

Guaranteed Minimum
Death Benefit Option An optional benefit, available only at issue of the
Contract. If elected, it guarantees payment of the Specified Amount less
Indebtedness and any past due charges upon the death of the last surviving
Insured, provided that the Guaranteed Minimum Death Benefit Option Premium
requirement is met.

Guaranteed Minimum Death
Benefit Option Premium The Guaranteed Minimum Death Benefit Option Premium is
the amount required to guarantee that the Guaranteed Minimum Death Benefit
Option will remain in effect.

Home Office 3520 Broadway, P.O. Box 419364, Kansas City, Missouri
64141-6364.

Indebtedness The sum of all outstanding Contract loans plus accrued
interest.

Insureds The two persons whose lives are insured under the Contract.

Lapse Termination of the Contract at the expiration of the Grace Period while
one or both of the Insureds are still living.

Loan Account The Loan Account is part of the Fixed Account, which is part of
the General Account.

Loan Account Value The Contract Value in the Loan Account.

Minimum Premium The minimum premium is the amount required in the
First Contract Year to issue the Contract.

Monthly Anniversary Day The day of each month as of which we make the Monthly
Deduction. It is the same day of each month as the Contract Date or the last
day of the month for those months not having such a day.

Monthly Deduction The amount we deduct as of each Monthly Anniversary
Day from the Contract Value to pay the Deductions from Contract Value as
described on page 25.

Net Investment Factor An index used to measure Subaccount performance of the
current Valuation Period. Subaccount performance includes gains or losses in
the Subaccounts, dividends paid, any capital gains or losses, any taxes, and
mortality and expense risk charges. The calculation of the Net Investment
Factor is described on page 29.

Net Premium A premium payment minus the applicable Premium Expense
Charges. See page 25.

Owner, You The person(s) entitled to exercise all rights and
privileges provided in the Contract.

Planned Premium Payments The amount and frequency of premium payments you
elected to pay in your last application. This is the amount we will bill you
and is only an indication of your preferences of future premium payments. You
may change the amount and frequency of premium payments at any time. The actual
amount and frequency of premium payments will affect the Contract Value and the
amount and duration of insurance.

Premium Expense Charges The Premium Expense Charges are the amounts we deduct
from each premium payment. See page 25.

Premium Payment(s) The amount(s) paid by the Owner to fund the Contract;
either a Planned Premium Payment or Unscheduled Premium.

Proceeds The total amount we are obligated to pay under the
terms of the Contract.

Reallocation Date The date as of which Contract Value in the Federated
Prime Money Fund II Subaccount is allocated to the Subaccounts and to the Fixed
Account based on the Net Premium allocation percentages specified in the
application. The Reallocation Date is 30 days after the Allocation Date.

Specified Amount The Total Sum Insured less any Additional Insurance
Amount provided under the Contract.

Subaccounts The division of accounts making up the Variable
Account. The assets of each Subaccount are invested in a corresponding
portfolio of a designated mutual fund.

Subaccount Value The Contract Value in a Subaccount.

Target Premium The annual Target Premium is specified in the
Contract. This amount is segregated from Excess Premium for the purpose of
calculating certain charges.

Total Sum Insured The Total Sum Insured equals the sum of the Specified
Amount and any Additional Insurance Amount provided under the Contract. This
amount does not include any additional benefits provided by riders.

Unscheduled Premium Any premium other than a Planned Premium Payment.

Valuation Day Each day on which both the New York Stock Exchange and
Kansas City Life are open for business.

Valuation Period The interval of time commencing at the close of
business one Valuation Day and ending at the close of business on the next
succeeding Valuation Day.

Variable Account The Kansas City Life Variable Life Separate Account.
This is not part of our General Account. The Variable Account has Subaccounts.

Variable Account Value The total value of a Contract allocated to Subaccounts
of the Variable Account.

Written Notice A written notice in a form satisfactory to Kansas City
Life that is signed by the Owner and received at the Home Office.

SUMMARY AND DIAGRAM OF THE CONTRACT

The following summary of Prospectus information and diagram of the Contract
should be read in conjunction with the detailed information appearing
elsewhere in this Prospectus. Unless otherwise indicated, the description of
the Contract in this Prospectus assumes that the Contract is in force and
there is no outstanding Contract Indebtedness.

The Contract, for as long as it remains in force, provides lifetime insurance
protection with the Death Benefit paid on the death of the last surviving of
the two Insureds named in the Contract.

The Contract is similar in many ways to fixed-benefit life insurance. As with
fixed-benefit life insurance, the Owner of a Contract pays premium payments
for insurance coverage on the Insureds. Also like fixed-benefit life
insurance, the Contract provides for accumulation of Net Premiums and a Cash
Surrender Value that is payable if the Contract is surrendered during the
lifetime of one or both of the Insureds. As with fixed-benefit life
insurance, the Cash Surrender Value during the early Contract Years is likely
to be substantially lower than the amount or premiums paid.

However, the Contract differs from fixed-benefit life insurance in several
important respects. Unlike fixed-benefit life insurance, the Death Benefit
may and the Contract Value will increase or decrease to reflect the investment
performance of the Subaccounts to which Contract Value is allocated. Also,
there is no guaranteed minimum Cash Surrender Value. If elected at issue, the
Guaranteed Minimum Death Benefit Option does guarantee the payment of the
Specified Amount upon the death of the last surviving Insured, regardless of
the Contract's investment performance, provided that the Guaranteed Minimum
Death Benefit Option Premium requirement has been met. See "Guaranteed
Minimum Death Benefit Option," page 31. Otherwise, if the Cash Surrender
Value is insufficient to pay charges due, the Contract will lapse without
value after a grace period. See "Premium Payments to Prevent Lapse," page 22.
If a Contract lapses while loans are outstanding, adverse tax consequences may
result. See "Tax Considerations," page 44.

The most important features of the Contract, such as charges, cash surrender
benefits, Death Benefits, and calculation of Contract Values, are summarized
in the diagram on the following pages.

Purpose of the Contract. The Contract is designed to provide long-term
insurance benefits, and may also provide long-term accumulation of Contract
Value. The Contract should be evaluated in conjunction with other insurance
policies that you own, as well as the need for insurance and the Contract's
long-term investment potential. It may not be advantageous to replace
existing insurance coverage with this Contract. In particular, replacement
should be carefully considered if the decision to replace existing coverage is
based solely on a comparison of Contract illustrations. See "Illustrations"
on page 37 and "Specialized Uses of the Contract" on
page 36.

Illustrations. Illustrations in this Prospectus or used in connection
with the purchase of a Contract are based on hypothetical rates of return.
These rates are not guaranteed. They are illustrative only and should not be
deemed a representation of past or future performance. Actual rates of return
may be higher or lower than those reflected in Contract illustrations, and
therefore, actual Contract Values will be different from those illustrated.

The illustrations show Contract Values based on current charges and,
alternatively, based on guaranteed charges. See "Illustrations of Contract
Values, Cash Surrender Values, Death Benefits and Accumulated Premium
Payments," page 37.

Contract Tax Compliance. Kansas City Life intends for the Contract to
satisfy the definition of a life insurance contract under Section 7702 of the
Internal Revenue Code. Under certain circumstances, a Contract will be
treated as a "modified endowment contract" under federal tax law. Kansas City
Life will monitor Contracts and will notify you on a timely basis if your
Contract is in jeopardy of violating the definition of life insurance or
becoming a modified endowment contract. For further discussion of the tax
status of a Contract and the tax consequences of being treated as a life
insurance contract or a modified endowment contract, see "Tax Considerations,"
page 44.

Free Look Right to Cancel. For a limited time, you have the right to
cancel your Contract and receive a refund. See "Free Look Right to Cancel
Contract," page 20.

Owner Inquiries. If you have any questions, you may write or call
Kansas City Life's Home Office at 3520 Broadway, P.O. Box 419364, Kansas City,
Missouri 64141-6364, 1-800-616-3670.

DIAGRAM OF CONTRACT
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PREMIUM PAYMENTS

You select a payment plan but are not required to pay premium payments
according to the plan. You can vary the amount and frequency and can
skip planned premium payments. The actual amount and frequency of
premium payments will affect the Contract Value and the amount and
duration of insurance. See page 21 for rules and limits.

The Contract's minimum initial premium payment and planned premium
payment depend on the Insureds' Age, sex, risk class, Specified Amount
and any optional benefits and riders selected.

Unplanned premium payments may be made, within limits. See page 21.

Under certain circumstances, which include taking excessive Contract
loans, extra premium payments may be required to prevent lapse. See
page 22.
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DEDUCTIONS FROM PREMIUM PAYMENTS

Sales Charge equal to 50% of premium up to Target Premium and
2% of Excess Premium in Contract Year 1, 15% of premium up to
Target Premium and 2% of Excess Premium in Contract Years 2-5,
6% of premium up to Target Premium and 2% of Excess Premium in
Contract Years 6-10, 2% of premium up to Target and Excess
Premium in Contract Years 11-20. Beginning in the 21st
Contract Year there is no charge. The Target Premium is shown
in your Contract. Target Premiums and Excess Premiums are
amounts used to determine the amount of Sales Charge.

Premium Processing Charge equal to 4.85% of premium for all
Contract Years.
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NET PREMIUM PAYMENTS

You direct the allocation of Net Premium payments among 14 Subaccounts of the
Variable Account and the Fixed Account. See page 22 for rules and limits on Net
Premium payment allocations.

Each Subaccount invests in a corresponding portfolio of a mutual fund:

Mutual Fund Portfolio

MFSr Variable Insurance TrustSM MFS Research Series
Manager: Massachusetts Financial
Services Company MFS Emerging Growth Series
MFS Total Return Series
MFS Bond Series
MFS World Governments Series
MFS Utilities Series

American Century Variable Portfolios American Century VP Capital
Manager: American Century Investment Appreciation
Management, Inc. American Century VP International

Federated Insurance Series Federated American Leaders Fund II
Manager: Federated Advisers Federated High Income Bond Fund II
Federated Prime Money Fund II

Dreyfus Variable Investment Fund Capital Appreciation Portfolio
Manager: The Dreyfus Corporation Small Cap Portfolio

Dreyfus Stock Index Fund Dreyfus Stock Index Fund
Manager: The Dreyfus Corporation

Interest is credited on amounts allocated to the Fixed Account at a minimum
guaranteed rate of 4%. See page 24 for rules and limits on transfers from the
Fixed Account.

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DEDUCTIONS FROM CONTRACT VALUE

Monthly Administrative Expense Charge of $7.50 per month plus $.02 per $1,000 of
Total Sum Insured per month for all Contract Years
Monthly Issue Expense Charge of $12.50 per month for the first five Contract
Years
Guaranteed Minimum Death Benefit Option Charge beginning in the 11th Contract
Year-- Current: $.01 per $1,000 of Specified Amount per month; Guaranteed:
$.03 per $1,000 of Specified Amount per month.
Cost of insurance charges deducted each month for all Contract Years. See page
26.
Fee applicable upon a partial surrender of the Contract Value equal to the
lesser of : (a) 2% of the amount surrendered; or (b) $25.
Charges for any additional benefits or riders. See page 25.

DEDUCTIONS FROM ASSETS

Daily charge at an annual rate of 0.625% on a current basis and 0.90% on a
guaranteed basis from the Subaccounts for mortality and expense risks. See page
27. This charge is not deducted from the Fixed Account Value. Investment
advisory fees and operating expenses are deducted from the assets of each
Portfolio. See tables below and page 27.
Annual Fund Expenses--(See below)

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<TABLE>
<CAPTION>
MFS MFS MFS
Emerging MFS Total MFS World MFS
Growth Research Return Utilities Govern- Bond
Series Series Series Series ments Series

MFSr Variable Insurance TrustSM
Annual Expenses
(as a percentage of average net
assets)
Management Fees (Investment
Advisory Fees) 0.75% 0.75% 0.75% 0.75% 0.75% 0.60%
Other Expenses (after any expense
reimbursement)1/ 2/ 0.25% 0.25% 0.25% 0.25% 0.25% 0.40%

Total Fund Annual Expenses 1/ 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
</TABLE>
<TABLE>
<CAPTION>
AM Cent
VP Capital Am Cent VP
Appreciation International

American Century Variable Portfolios
Annual Expenses
(as a percentage of average net
assets)
Management Fees (Investment Advisory
Fees) 1.00% 1.50%
Other Expenses 0.00% 0.00%

Total Fund Annual Expenses3/ 1.00% 1.50%
</TABLE>
<TABLE>
<CAPTION>

Federated
Federated High Federated
American Income Prime
Leaders Bond Money
Fund II Fund II Fund II
<S> <C> <C> <C>

Federated Insurance Series Annual
Expenses (as a percentage of average net
assets)
Management Fees (Investment Advisory
Fees) 0.53% 0.01% 0.00%
Other Expenses (after any expense
reimbursement) 0.32% 0.79% 0.80%

Total Fund Annual Expenses4/ 0.85% 0.80% 0.80%
</TABLE>
<TABLE>
<CAPTION>

Dreyfus
Capital Dreyfus
Appreciation Small Cap
Portfolio Portfolio
<S> <C> <C>

Dreyfus Variable Investment Fund
Annual Expenses (as a percentage of
average net assets)
Management Fees (Investment Advisory
Fees) .75% .75%
Other Expenses (after any expense
reimbursement) .09% .04%

Total Fund Annual Expenses .84% .79%

</TABLE>
<TABLE>
<CAPTION>
Dreyfus
Stock
Index
Fund
<S> <C>

Dreyfus Stock Index Fund
(as a percentage of average net assets)
Management Fees (Investment Advisory Fees) .245%
Other Expenses (after any expense
reimbursement) .055%

Total Fund Annual Expenses .300%

</TABLE>

Premium taxes, currently ranging up to 3.5%, may be applicable, depending on
various states' laws.

The above tables are intended to assist you in understanding the fund expenses
that you will bear, directly or indirectly. The tables reflect expenses of the
Funds. The Annual Expenses for the Funds are expenses for the most recent fiscal
year, except as noted below. For a more complete description of the various
expenses see the Prospectuses for the underlying Funds that accompany this
Prospectus.
__________________________

1/ The investment adviser to MFS Variable Insurance Trust has agreed to bear
expenses for each Series, subject to reimbursement by each Series, such that
each Series' "Other Expenses" shall not exceed the following percentages of
the average daily net assets of the Series during the current fiscal year:
0.40% for the Bond Series, and 0.25% for each remaining Series. Absent this
expense arrangement, "Other Expenses" for the Emerging Growth Series,
Research Series, Total Return Series, Utilities Series, World Governments
Series and Bond Series would be 0.41%, 0.73%, 1.35%, 2.00%, 1.28% and 8.85%,
respectively, and Total Annual Fund Expenses would be 1.16%, 1.48%, 2.10%,
2.75%, 2.03% and 9.45%, respectively, for these Series.
2/ Each Series has an expense offset arrangement which reduces the Series'
custodian fee based upon the amount of cash maintained by the Series with its
custodian and dividend disbursing agent, and may enter into other such
arrangements and directed brokerage arrangements (which would also have the
effect of reducing the Series' expenses). Any such fee reductions are not
reflected under "Other Expenses."
3/ The investment adviser to American Century Variable Portfolios pays all the
expenses of the Fund except brokerage, taxes, interest, fees and expenses of
the non-interested person directors (including counsel fees) and
extraordinary expenses. For its services, the adviser is paid a fee of 1.50%
and 1.00% of the average net assets of the Am Cent VP International and Am
Cent VP Capital Appreciation, respectively.
4/ The adviser to Federated Insurance Series has agreed to waive all or a
portion of its fee or reimburse the Fund for certain operating expenses so
that the Total Fund Annual Expenses would not exceed 0.85%, 0.80%, and 0.80%
respectively, of average net assets of those Portfolios. The adviser can
terminate this voluntary waiver at any time at its sole discretion. Without
this waiver, the Management Fees would be 0.75%, 0.60% and 0.50% of the
average net assets of Federated American Leaders Fund II, Federated High
Income Bond Fund II and the Federated Prime Money Fund II, respectively, and
the Total Fund Annual Expenses for these Portfolios would be 1.07%, 1.39%,
and 1.37%, respectively, of average net assets.

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CONTRACT VALUE

Contract Value is equal to Net Premiums, as adjusted each Valuation Day to
reflect Subaccount investment experience, interest credited on Fixed Account
Value, charges deducted and other Contract transactions (such as transfers and
partial surrender). See page 28.

Varies from day to day. There is no minimum guaranteed Contract Value. The
Contract may lapse if the Contract Value is insufficient to cover a Monthly
Deduction due. See page 28.

Can be transferred among the Subaccounts and Fixed Account. A transfer fee of
$25.00 will apply for each transfer if more than 6 transfers are made in a
Contract Year. See page 23 for rules and limits.

Is the starting point for calculating certain values under a Contract, such as
the Cash Surrender Value and the Death Benefit, used to determine Death Benefit
Proceeds.

A "bonus" may be credited to the Contract Value on each Monthly Anniversary
Daybeginning on the first Monthly Anniversary following the Contract Date. The
monthly bonus applies to Contracts with a Total Sum Insured of $5,000,000 or
above and equals an annual rate of 0.125% of the Variable Account Value. This
bonus is not guaranteed.

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CASH BENEFITS

Loans may be taken for amounts up
to Cash Surrender Value less loan
interest to the next Contract
Anniversary, at an annual effective
interest rate of 6.0%. Currently,
a preferred loan is available
beginning in the 11th Contract
Year. See page 34 for rules and
limits.

Partial surrenders generally can be
made provided there is sufficient
remaining Cash Surrender Value. A
partial surrender fee of the lesser
of 2% of the amount surrendered or
$25 will apply. See page 35 for
limits. Partial surrenders may be
subject to adverse tax
consequences.

The Contract may be surrendered in
full at any time for its Cash
Surrender Value. See page 35.
Surrenders may be subject to
adverse tax consequences.

Payment options are available. See
page 36.
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DEATH BENEFITS

Income tax free to Beneficiary.

May be paid to the beneficiary as
lump sum or under a variety of
payment options.

For all Contracts, a minimum
initial Total Sum Insured of
$200,000 is required which may be
made up of a combination of
Specified Amount and Additional
Insurance Amount as long as the
Specified Amount is at least
$100,000. We may allow these
minimum limits to be reduced.
See page 30.

Three Coverage Options available:
Coverage Option A provides a
Death Benefit at least equal to
the Total Sum Insured on the date
of death of the last surviving
Insured. Coverage Option B
provides a Death Benefit at least
equal to the Total Sum Insured on
the date of death of the last
surviving Insured, plus the
Contract Value on the date of
death. Coverage Option L
provides a Death Benefit that is
at least equal to the sum of: (a)
the Total Sum Insured on the date
of death of the last surviving
Insured; and (b) an amount
calculated on the last Contract
Anniversary equal to the Contract
Value multiplied by the
applicable Coverage Option L
Death Benefit percentage less the
Total Sum Insured. The Death
Benefit under all three of these
Coverage Options will be the
greater of the amount described
above and the Corridor Death
Benefit Percentage amount which
ensures that the Contract will
not be disqualified as a life
insurance contract. See page 30.

Guaranteed Minimum Death Benefit
Option available at issue
(restrictions may apply) if
Guaranteed Minimum Death Benefit
Premium requirement is met. See
page 31.

Flexibility to change the
Coverage Option or increase or
decrease the Total Sum Insured.
See page 32 for rules and limits
(restrictions may apply).

Optional benefits and/or riders
may be available. See page 45.

Any Indebtedness is deducted from
the amount payable.
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GENERAL INFORMATION ABOUT KANSAS CITY LIFE, THE VARIABLE ACCOUNT AND THE
FUNDS

Kansas City Life Insurance Company

The Contracts are issued by Kansas City Life Insurance Company, which is
a stock life insurance company organized under the laws of the State of
Missouri in 1895. Kansas City Life is currently licensed to transact
life insurance business in 47 states and the District of Columbia.

Kansas City Life is subject to regulation by the Department of Insurance
of the State of Missouri as well as by the insurance departments of all
other states and jurisdictions in which it does business. We submit
annual statements on our operations and finances to insurance officials
in such states and jurisdictions. The forms for the Contract described
in this Prospectus are filed with and (where required) approved by
insurance officials in each state and jurisdiction in which Contracts
are sold.

Kansas City Life Variable Life Separate Account

Kansas City Life Variable Life Separate Account was established as a
separate investment account under Missouri law on April 24, 1995. It is
used to support the Contracts and other variable life insurance
contracts issued by Kansas City Life, and may be used for other purposes
permitted by law. The Variable Account is registered with the
Securities and Exchange Commission ("SEC") as a unit investment trust
under the Investment Company Act of 1940 (the "1940 Act") and is a
"separate account" within the meaning of the federal securities laws.
Kansas City Life has established other separate investment accounts that
are also registered with the SEC.

The Variable Account is divided into Subaccounts. The Subaccounts
available under the Contracts invest in shares of Portfolios of the
Funds. The Variable Account includes other Subaccounts that are used to
support other variable life insurance contracts issued by Kansas City
Life. These Subaccounts are not available under the Contracts and are
not otherwise discussed in this Prospectus. The assets in the Variable
Account are owned by Kansas City Life.

Income, gains and losses, realized or unrealized, of a Subaccount are
credited to or charged against the Subaccount without regard to any
other income, gains or losses of Kansas City Life. Applicable insurance
law provides that assets equal to the reserves and other contract
liabilities of the Variable Account are not chargeable with liabilities
arising out of any other business of Kansas City Life. The Variable
Account may, however, be subject to liabilities arising from the
Subaccounts that are used to support the other variable life insurance
contracts issued by Kansas City Life. Kansas City Life is obligated to
pay all benefits provided under the Contracts.

The Funds

MFSr Trust, American Century Variable Portfolios, Federated Insurance
Series, Dreyfus Variable Investment Fund and Dreyfus Stock Index Fund
are each registered with the SEC as a diversified open-end management
investment company under the 1940 Act. The SEC does not supervise their
management or investment practices and policies. Each of the Funds is a
series fund-type mutual fund made up of the Portfolios and other series
that are not available under the Contracts. The investment objectives
of each of the Portfolios is described below.

MFSr Variable Insurance TrustSM
(Manager: Massachusetts Financial Services Company)

MFSr Research SeriesSM. The Research Series' investment objective is
to provide long-term growth of capital and future income. The Series'
assets are allocated to selected economic sectors and then to industry
groups within those sectors.

MFSr Emerging Growth SeriesSM. The Emerging Growth Series seeks to
provide long-term growth of capital. Dividend and interest income from
portfolio securities, if any, is incidental to the Series' investment
objective of long-term growth of capital. The Series' policy is to
invest primarily (i.e., at least 80% of its assets under normal
circumstances) in common stocks of companies that MFS believes are early
in their life cycle but which have the potential to become major
enterprises (emerging growth companies).

MFSr Total Return SeriesSM. The Total Return Series' primary
investment objective is to obtain above-average income (compared to a
portfolio entirely invested in equity securities) consistent with the
prudent employment of capital, and its secondary objective is to provide
a reasonable opportunity for growth of capital and income, since many
securities offering a better than average yield may also possess growth
potential.

MFSr Bond SeriesSM. The Bond Series' primary investment objective is
to provide as high a level of current income as is believed to be
consistent with prudent investment risk. The Series' secondary
objective is to protect shareholders' capital. Up to 20% of the Series'
total assets may be invested in lower-rated or non-rated debt securities
commonly known as "junk bonds." The risks of investing in junk bonds
are described in the prospectus for the MFSr Variable Insurance TrustSM,
which should be read carefully before investing.

MFSr World Governments SeriesSM. The World Governments Series'
investment objective is to seek not only preservation, but also growth
of capital, together with moderate current income. The Series seeks to
achieve its investment objective through a professionally managed,
internationally diversified portfolio consisting primarily of debt
securities and to a lesser extent equity securities.

MFSr Utilities SeriesSM. The Utilities Series' investment objective
is to seek capital growth and current income (income above that
available from a portfolio invested entirely in equity securities). The
Series will seek to achieve its objective by investing, under normal
circumstances, at least 65% (but up to 100% at the discretion of the
Series' adviser) of its assets in equity and debt securities of both
domestic and foreign companies in the utilities industry.

American Century Variable Portfolios, Inc. (formerly TCI Portfolios,
Inc.)
(Manager: American Century Investment Management, Inc. (formerly
Investors Research Corporation))

American Century VP Capital Appreciation Portfolio (formerly TCI
Growth Portfolio). The investment objective of American Century VP
Capital Appreciation is capital growth. The Portfolio will seek to
achieve its investment objective by investing primarily in common stocks
that are considered by the investment adviser to have better-than-
average prospects for appreciation.

American Century VP International Portfolio (formerly TCI
International Portfolio). The investment objective of American Century
VP International Portfolio is capital growth. The Portfolio will seek
to achieve its investment objective by investing primarily in securities
of foreign companies that meet certain fundamental and technical
standards of selection and that have, in the opinion of the investment
manager, potential for appreciation.

Federated Insurance Series
(Manager: Federated Advisers)

Federated American Leaders Fund II . The primary investment
objective of the Federated American Leaders Fund II is to achieve long-
term growth of capital. The Fund's secondary objective is to provide
income. The Fund pursues its investment objectives by investing, under
normal circumstances, at least 65% of its total assets in common stock
of "blue-chip" companies, which are generally top-quality, established
growth companies.

Federated High Income Bond Fund II . The investment objective of the
Federated High Income Bond Fund II is to seek high current income. The
Fund endeavors to achieve its objective by investing primarily in lower-
rated corporate debt obligations commonly referred to as "junk bonds."
The risks of investing in junk bonds is described in the prospectus for
Federated Insurance Series, which should be read carefully before
investing.

Federated Prime Money Fund II . The investment objective of the
Federated Prime Money Fund II is to provide current income consistent
with stability of principal and liquidity. The Fund pursues its
investment objective by investing exclusively in a portfolio of money
market instruments maturing in 397 days or less.

Dreyfus Variable Investment Fund
(Manager: The Dreyfus Corporation)

Capital Appreciation Portfolio. The primary investment objective of
the Capital Appreciation Portfolio is to provide long-term capital
growth consistent with the preservation of capital. Current income is a
secondary investment objective. This series invests primarily in the
common stocks of domestic and foreign issuers.

Small Cap Portfolio. The investment objective of the Small Cap
Portfolio is to maximize capital appreciation. This series invests
primarily in common stocks of domestic and foreign issuers. This series
will be particularly alert to companies that it considers to be emerging
smaller-sized companies which are believed to be characterized by new or
innovative products, services or processes which should enhance
prospects for growth in future earnings.

Dreyfus Stock Index Fund
(Manager: The Dreyfus Corporation)

The primary investment objective of the Stock Index Fund is to provide
investment results that correspond to the price and yield performance of
publicly traded common stocks in the aggregate, as represented by the
Standard & Poor's 500 Composite Stock Price Index. In anticipation of
taking a market position, the Fund is permitted to purchase and sell
stock index futures. The Fund is neither sponsored by nor affiliated
with Standard & Poor's.

THERE IS NO ASSURANCE THAT THE STATED OBJECTIVES AND POLICIES OF ANY OF
THE FUNDS WILL BE ACHIEVED.

More detailed information concerning the investment objectives,
policies, and restrictions pertaining to the Funds and Portfolios and
their expenses, investment advisory services and charges and the risks
involved with investing in the Portfolios and other aspects of their
operations can be found in the current prospectus for each Fund or
Portfolio that accompanies this Prospectus and the current Statement of
Additional Information for each Fund or Portfolio. The prospectuses for
the Funds or Portfolios should be read carefully before any decision is
made concerning the allocation of Net Premium payments or transfers
among the Subaccounts.

Kansas City Life has entered into agreements with either the investment
adviser or distributor for each of the Funds pursuant to which the
adviser or distributor will pay Kansas City Life a fee based upon an
annual percentage of the average aggregate net amount invested by Kansas
City Life on behalf of the Variable Account and other separate accounts
of Kansas City Life. These percentages differ, and Kansas City Life is
paid a greater percentage by some investment advisers or distributors
than other advisers or distributors. These agreements reflect
administrative services provided by Kansas City Life.

Kansas City Life cannot guarantee that each Fund or Portfolio will
always be available for the Contracts, but in the event that a Fund or
Portfolio is not available, Kansas City Life will take reasonable steps
to secure the availability of a comparable fund. Shares of each
Portfolio are purchased and redeemed at net asset value, without a sales
charge.

Resolving Material Conflicts

The Funds presently serve as the investment medium for the Contracts.
In addition, the Funds are available to registered separate accounts of
insurance companies, other than Kansas City Life, offering variable
annuity and variable life insurance contracts.

We do not currently foresee any disadvantages to you resulting from the
Funds selling shares to fund products other than the Contracts.
However, there is a possibility that a material conflict of interest may
arise between Owners whose Contract Values are allocated to the Variable
Account and the owners of variable life insurance policies and variable
annuity contracts issued by other companies whose values are allocated
to one or more other separate accounts investing in any one of the
Funds. Shares of some of the Funds may also be sold to certain
qualified pension and retirement plans qualifying under Section 401 of
the Code. As a result, there is a possibility that a material conflict
may arise between the interests of Owners or owners of other contracts
(including contracts issued by other companies), and such retirement
plans or participants in such retirement plans. In the event of a
material conflict, we will take any necessary steps, including removing
the Variable Account from that Fund, to resolve the matter. The Board
of Directors of each Fund will monitor events in order to identify any
material conflicts that may arise and determine what action, if any,
should be taken in response to those events or conflicts. See the
accompanying prospectuses for the Funds and Portfolios for more
information.

Addition, Deletion or Substitution of Investments

We reserve the right, subject to applicable law, to make additions to,
deletions from, or substitutions for the shares that are held in the
Variable Account or that the Variable Account may purchase. If the
shares of a Portfolio of a Fund are no longer available for investment
or if, in our judgment, further investment in any Portfolio should
become inappropriate in view of the purposes of the Variable Account, we
may redeem the shares, if any, of that Portfolio and substitute shares
of another registered open-end management investment company. We will
not substitute any shares attributable to a Contract's interest in a
Subaccount of the Variable Account without notice and prior approval of
the SEC and state insurance authorities, to the extent required by the
1940 Act or other applicable law.

We also reserve the right to establish additional Subaccounts of the
Variable Account, each of which would invest in shares corresponding to
a Portfolio of a Fund or in shares of another investment company having
a specified investment objective. Subject to applicable law and any
required SEC approval, we may, in our sole discretion, establish new
Subaccounts or eliminate one or more Subaccounts if marketing needs, tax
considerations or investment conditions warrant. Any new Subaccounts
may be made available to existing Contract Owners on a basis to be
determined by Kansas City Life.

If any of these substitutions or changes are made, we may, by
appropriate endorsement, change the Contract to reflect the substitution
or change. If we deem it to be in the best interests of Contract Owners
(subject to any approvals that may be required under applicable law),
the Variable Account may be operated as a management investment company
under the 1940 Act, it may be deregistered under that Act if
registration is no longer required, or it may be combined with other
Kansas City Life separate accounts.

Voting Rights

Kansas City Life is the legal owner of shares held by the Subaccounts
and as such has the right to vote on all matters submitted to
shareholders of the Funds. However, as required by law, Kansas City
Life will vote shares held in the Subaccounts at regular and special
meetings of shareholders of the Funds in accordance with instructions
received from Owners with Contract Value in the Subaccounts. Should the
applicable federal securities laws, regulations or interpretations
thereof change, Kansas City Life may be permitted to vote shares of the
Funds in its own right, and if so, Kansas City Life may elect to do so.

To obtain voting instructions from Owners, before a meeting Owners will
be sent voting instruction material, a voting instruction form and any
other related material. The number of votes that are available to an
Owner will be calculated separately for each Subaccount of the Variable
Account, and may include fractional shares. The number of votes
attributable to a Subaccount will be determined by applying an Owner's
percentage interest, if any, in a particular Subaccount to the total
number of votes attributable to that Subaccount. The number of votes
for which an Owner may give instructions will be determined as of the
date coincident with the date established by the Fund for determining
shareholders eligible to vote at the relevant meeting of the Fund.
Shares held by a Subaccount for which no timely instructions are
received will be voted by Kansas City Life in the same proportion as
those shares for which voting instructions are received.

Kansas City Life may, if required by state insurance officials,
disregard Owner voting instructions if such instructions would require
shares to be voted so as to cause a change in sub-classification or
investment objectives of one or more of the Portfolios, or to approve or
disapprove an investment advisory agreement. In addition, Kansas City
Life may under certain circumstances disregard voting instructions that
would require changes in the investment advisory contract or investment
adviser of one or more of the Portfolios, provided that Kansas City Life
reasonably disapproves of such changes in accordance with applicable
federal regulations. If Kansas City Life ever disregards voting
instructions, Owners will be advised of that action and of the reasons
for such action in the next semiannual report. Finally, Kansas City
Life reserves the right to modify the manner in which the weight to be
given to pass-through voting instructions is calculated when such a
change is necessary to comply with current federal regulations or the
current interpretation thereof.

PREMIUM PAYMENTS AND ALLOCATIONS

Applying for a Contract

To purchase a Contract, you must complete an application and submit it
through an authorized Kansas City Life agent. If you are eligible for
temporary insurance coverage, a temporary insurance agreement ("TIA")
should also accompany the application. The TIA provides temporary
insurance coverage prior to the date when all underwriting and other
requirements have been met and your application has been approved, with
certain limitations, as long as an initial premium payment accompanies
the TIA. In accordance with Kansas City Life's underwriting rules,
temporary life insurance coverage may not exceed $250,000. The TIA may
not be in effect for more than 60 days. At the end of the 60 days, the
TIA coverage terminates and the initial premium will be returned to the
applicant.

With the TIA, you must pay an initial premium payment at the time of
application that is at least equal to two months of minimum initial
premium (one month of minimum initial premium is required for Contracts
when premium payments will be made under a pre-authorized payment
arrangement). See "Premiums," page 22. In general, policies that are
submitted with the required premium payment will have a Contract Date
which will be the date of the TIA. However, if the Contract Date is
calculated to be the 29th, 30th or 31st of the month then the date will
be set to the 1st of the next following month. For Contracts where
premium is not accepted at the time of application or Contracts where
values are applied to the new Contract from another contract, the
Contract Date will be the approval date plus up to two days, unless the
approval date is the 27th, 28th or 29th of the month in which case the
Contract Date would be the first of the next month. There are several
exceptions to these rules, based on the type of billing, whether the
contract involves a conversion and/or whether the specified amount
exceeds $250,000.

Pre-Authorized Check Payment Plan (PAC) or Combined Billing (CB)--
Premium With Application
If PAC or CB is requested and the initial premium is taken with the
application, the Contract Date will be the later of the TIA date or the
first of the month of approval. Combined Billing is a billing where
more than one Kansas City Life contract is billed together.

Combined Billing (CB)--No Premium With Application
If CB is requested and the initial premium is not taken with the
application, the Contract Date will be the earlier of the 1st of the
month after the Contract is approved or the date the initial premium is
received. However, if approval occurs on the 1st, 2nd, 3rd, 4th or 5th
of the month the Contract Date will be the first of the same month
that the Contract is approved. In addition, if the Contract Date is
calculated to be the 29th, 30th or 31st of the month then the date will
be set to the 1st of the following month.

Government Allotment (GA) and Federal Allotment (FA)
If GA or FA is requested on the application and an initial premium is
taken with the application, the Contract Date will be the 1st of the
month of approval. If GA or FA is requested and no initial premium is
received the Contract Date will be the first of the month for which a
full monthly allotment is received.

Conversions
If a Kansas City Life term insurance product is converted to a new
Contract, the Contract Date will be the date that the previous contract
was paid to. If there is more than one term policy being converted, the
Contract Date will be determined by the contract with the earliest date
that premiums were paid to.

Total Sum Insured Exceeds $250,000
If the Total Sum Insured requested exceeds $250,000 and an initial
premium is taken with the application, the Contract Date will be the
later of the TIA date or the 1st of the month of approval.

If coverage under an existing Kansas City Life insurance contract is
being replaced, that contract will be terminated and values will be
transferred on the date when all underwriting and other requirements
have been met and your application has been approved. Kansas City Life
will deduct Contract charges as of the Contract Date.

Kansas City Life requires satisfactory evidence of both proposed
Insureds' insurability, which may include a medical examination of the
proposed Insureds. The available issue ages are 20 through 85. Age is
determined on each Insured's age last birthday on the Contract Date.
The minimum Total Sum Insured is $200,000. Acceptance of an application
depends on Kansas City Life's underwriting rules, and Kansas City Life
reserves the right to reject an application.

As the Owner of the Contract, you may exercise all rights provided under
the Contract. The Insureds are the Owner, unless a different Owner is
named in the application. The Owner may by Written Notice name a
contingent Owner or a new Owner while at least one of the Insureds is
living. Unless a contingent Owner has been named, on the death of the
last surviving Owner, ownership of the Contract passes to the estate of
the last surviving Owner, who will become the Owner if the Owner dies.
The Owner may also be changed prior to the last surviving Insured's
death by Written Notice satisfactory to us. A change in Owner may have
tax consequences. See "Tax Considerations," page 44.

Free Look Right to Cancel Contract

You may cancel your Contract for a refund during your "free-look"
period. This period expires 10 days after you receive your Contract.
If you decide to cancel the Contract, you must return it by mail or
other delivery method to the Home Office or to your Kansas City Life
agent. Immediately after mailing or delivery for cancellation, the
Contract will be deemed void from the beginning. Within seven calendar
days after Kansas City Life receives the returned Contract, Kansas City
Life will refund premiums paid.

Premiums

The minimum initial premium payment required depends on a number of
factors, such as the Age, sex, and risk class of the proposed Insureds,
the Specified Amount, any optional benefits and riders selected and the
Planned Periodic Premium payments you propose to make. See "Planned
Periodic Premiums," below. Consult your Kansas City Life agent for
information about the initial premium required for the coverage you
desire.

Premium payments may be made at any time while the Contract is in force.
We reserve the right to limit the number and amount of unscheduled
premium payments subject to the procedures described below. See "Net
Premium Allocations and Crediting," page 22.

If premiums are paid which would affect the tax qualification of the
Contract as described in Section 7702 of the Internal Revenue Code, as
amended, we will inform you of this. We will offer you the choice of a
refund of the premium or the option to increase the Additional Insurance
Amount, subject to our underwriting requirements. If you choose to
increase the Additional Insurance Amount and the Insured fails to meet
our underwriting requirements for the required increase in coverage, we
reserve the right to refund, with interest, any premium that would cause
your contract to not be in compliance with Section 7702. See "Tax
Considerations," page 44.

Your Contract may become a modified endowment contract if premiums paid
exceed the "7-Pay Test" as set forth in the Internal Revenue Code.
Kansas City Life will monitor Contracts and will attempt to notify you
on a timely basis if, based on Kansas City Life's interpretation of the
relevant tax rules, your Contract is in jeopardy of becoming a modified
endowment contract. See "Tax Considerations," page 44.

Premium payments must be made by check payable to Kansas City Life
Insurance Company or by any other method that Kansas City Life deems
acceptable. A loan repayment must be clearly marked as such or it will
be credited as a premium. See "Loan Repayment," page 34.

Planned Periodic Premiums. When applying for a Contract, you may
select a plan for paying level premium payments monthly, quarterly,
semi-annually or annually. If you elect, Kansas City Life will also
arrange for payment of Planned Periodic Premiums on a monthly or
quarterly basis under a pre-authorized payment arrangement. You are not
required to pay premium payments in accordance with these plans; rather,
you can pay more or less than planned or skip a Planned Periodic Premium
entirely. (See, however, "Premium Payments to Prevent Lapse," page 19,
and "Guaranteed Minimum Death Benefit Option," below.) Each premium
after the initial premium must be at least $25. Subject to the limits
described above, you can change the amount and frequency of Planned
Periodic Premiums at any time. However, Kansas City Life reserves the
right to limit the amount of any increase in planned premium payment.

Premium Payments to Prevent Lapse

If the Guaranteed Minimum Death Benefit Option has been elected, the
Specified Amount is guaranteed to remain in force as long as the
Guaranteed Minimum Death Benefit Option Premium requirement is met on
each Monthly Anniversary Day. However, while failure to meet the
Guaranteed Minimum Death Benefit Option Premium requirement will cause
the Guaranteed Minimum Death Benefit Option to terminate, such failure
will not necessarily cause the Contract to lapse. Riders are not
guaranteed by the Guaranteed Minimum Death Benefit Option and will
terminate if the Cash Surrender Value becomes negative. (See Guaranteed
Minimum Death Benefit Option, page 31.)

The grace period is a 61-day period to make a premium payment sufficient
to prevent lapse. We will send notice of the amount required to be paid
during the grace period to your last known address and the address of
any assignee of record. The grace period will begin when the notice is
sent. Your Contract will remain in force during the grace period. If
the last surviving Insured should die during the grace period, the Death
Benefit proceeds will still be payable to the Beneficiary, although the
amount paid will reflect a reduction for the Monthly Deductions due on
or before the date of the last surviving Insured's death (and for any
Indebtedness). See "Amount of Death Benefit Proceeds," page 30. If the
grace period premium payment has not been paid before the grace period
ends, your Contract will lapse. It will have no value and no benefits
will be payable. See "Reinstatement," page 45.

A grace period also may begin if Indebtedness becomes excessive. See
"Effect of Contract Loan," page 35.

Net Premium Allocations and Crediting

In the Contract application, you specify the percentage of a Net Premium
to be allocated to each Subaccount and to the Fixed Account. The sum of
your allocations must equal 100%, and Kansas City Life reserves the
right to limit the number of Subaccounts to which premiums may be
allocated. (In any case, we would never limit the number to less than
12.) You can change the allocation percentages at any time, subject to
these rules, by sending Written Notice to the Home Office. Changes in
your allocation may also be made by telephone if proper authorization
has been provided. See "Telephone Transfers, Premium Allocation and
Loan Privileges," page 48. The change will apply to the premium
payments received with or after receipt of your notice.

On the Allocation Date, the initial Net Premium will be allocated to the
Federated Prime Money Fund II Subaccount. If any additional premiums
are received before the Reallocation Date, the corresponding Net
Premiums also will be allocated to the Federated Prime Money Fund II
Subaccount. On the Reallocation Date the Contract Value in the
Federated Prime Money Fund II Subaccount will be allocated to the
Subaccounts and to the Fixed Account as requested. See "Determining the
Contract Value," page 28.

Premiums received on or after the Reallocation Date will be credited to
the Contract and the Net Premiums will be invested as requested on the
Valuation Period such premiums are received at our Home Office, except
if additional underwriting is required. Premium payments requiring
additional underwriting will not be credited to the Contract until
underwriting has been completed and the premium payment has been
accepted. If the additional premium payment is rejected, Kansas City
Life will return the premium payment immediately, without any adjustment
for investment experience.

Transfer Privilege

After the Reallocation Date, you may transfer all or part of an amount
in the Subaccount(s) to another Subaccount(s) or to the Fixed Account,
or transfer a part of the amount in the Fixed Account to the
Subaccount(s), subject to the following restrictions. The minimum
transfer amount is the lesser of $250 or the entire amount in that
Subaccount or the Fixed Account. A transfer request that would reduce
the amount in a Subaccount or the Fixed Account below $250 will be
treated as a transfer request for the entire amount in that Subaccount
or the Fixed Account.

We will make the transfer on the Valuation Day on which we receive
Written Notice requesting such transfer. Transfers may also be made by
telephone if the appropriate election has been made at the time of
application or proper authorization has been provided to us. See
"Telephone Transfer, Premium Allocation and Loan Privileges," page 48.
There is no limit on the number of transfers that can be made between
Subaccounts or to the Fixed Account. However, only one transfer may be
made from the Fixed Account each Contract Year. See "Transfers from
Fixed Account," page 25, for restrictions. The first six transfers
during each Contract Year are free. Any unused free transfers do not
carry over to the next Contract Year. We will assess a $25 Transfer
Processing Fee for the seventh and each subsequent transfer during a
Contract Year. For the purpose of assessing the fee, each Written Notice
or telephone request is considered to be one transfer, regardless of the
number of Subaccounts or the Fixed Account affected by the transfer.
The processing fee will be deducted from the amount being transferred or
from the remaining Contract Value, according to your instructions.

Dollar Cost Averaging Plan

The Dollar Cost Averaging Plan, if elected, enables you to transfer
systematically and automatically, on a monthly basis for a period of 3
to 36 months, specified dollar amounts from the Federated Prime Money
Fund II Subaccount to other Subaccounts. By allocating on a regularly
scheduled basis, as opposed to allocating the total amount at one
particular time, you may be less susceptible to the impact of market
fluctuations. However, we make no guarantee that the Dollar Cost
Averaging Plan will result in a gain.

At least $250 must be transferred from the Federated Prime Money Fund II
Subaccount each month. The required amounts may be allocated to the
Federated Prime Money Fund II Subaccount through initial or subsequent
premium payments or by transferring amounts into the Federated Prime
Money Fund II Subaccount from the other Subaccounts or from the Fixed
Account (which may be subject to certain restrictions).

You may elect this plan at the time of application by completing the
authorization on the application or at any time after the Contract is
issued by properly completing the election form and returning it to us.
The election form allows you to specify the number of months for the
Dollar Cost Averaging Plan to be in effect. Dollar cost averaging
transfers will commence on the next Monthly Anniversary Day on or next
following the Reallocation Date or the date you request. Dollar cost
averaging will terminate at the completion of the designated number of
months, or when the value of the Federated Prime Money Fund II
Subaccount is completely depleted, or the day we receive Written Notice
instructing us to cancel the Dollar Cost Averaging Plan.

Transfers made from the Federated Prime Money Fund II Subaccount for the
Dollar Cost Averaging Plan will not count toward the six transfers
permitted each Contract Year without imposing the Transfer Processing
Fee.

Portfolio Rebalancing Plan

You may elect to have the accumulated balance of each Subaccount
redistributed to equal a specified percentage of the Variable Account
Value. This will be done on a quarterly basis at three-month intervals
from the Monthly Anniversary Day on which the Portfolio Rebalancing Plan
commences. If elected, this plan automatically adjusts your Portfolio
mix to be consistent with the allocation most recently requested. The
redistribution will not count toward the six transfers permitted each
Contract Year without imposing the Transfer Processing Fee. If the
Dollar Cost Averaging Plan has been elected and has not been completed,
the Portfolio Rebalancing Plan will commence on the Monthly Anniversary
Day following the termination of the Dollar Cost Averaging Plan.

You may elect this plan at the time of application by completing the
authorization on the application or at any time after the Contract is
issued by properly completing the election form and returning it to us.
Portfolio rebalancing will terminate when you request any transfer or
the day we receive Written Notice instructing us to cancel the Portfolio
Rebalancing Plan. If the Contract Value is negative at the time
portfolio rebalancing is scheduled, the re-distribution will not be
completed.

FIXED ACCOUNT

Because of exemptive and exclusionary provisions, interests in the Fixed
Account have not been registered under the Securities Act of 1933 nor
has the Fixed Account been registered as an investment company under the
Investment Company Act of 1940. Accordingly, neither the Fixed Account
nor any interests therein are subject to the provisions of these Acts
and, as a result, the staff of the Securities and Exchange Commission
has not reviewed the disclosure in this Prospectus relating to the Fixed
Account. The disclosure regarding the Fixed Account may, however, be
subject to certain generally applicable provisions of the Federal
securities laws relating to the accuracy and completeness of statements
made in prospectuses.

You may allocate some or all of the Net Premiums and transfer some or
all of the Variable Account Value to the Fixed Account, which is part of
our General Account and pays interest at declared rates guaranteed for
each calendar year (subject to a minimum interest rate we guarantee to
be 4%). Our General Account supports our insurance and annuity
obligations.

The portion of the Contract Value allocated to the Fixed Account will be
credited with rates of interest, as described below. Since the Fixed
Account is part of our General Account, we assume the risk of investment
gain or loss on this amount. All assets in the General Account are
subject to our general liabilities from business operations.

Minimum Guaranteed and Current Interest Rates

Fixed Account Value is guaranteed to accumulate at a minimum effective
annual interest rate of 4%. We intend to credit Fixed Account Value
with current rates in excess of the minimum guarantee but we are not
obligated to do so. These current interest rates are influenced by, but
do not necessarily correspond to, prevailing general market interest
rates. Since we, in our sole discretion, anticipate changing the
current interest rate from time to time, different allocations to and
from the Fixed Account Value will be credited with different interest
rates, based upon the date amounts are allocated into the Fixed Account.
While we may change the interest rate credited to allocations from Net
Premiums or transfers at any time, the interest rate credited to amounts
allocated to the Fixed Account and accrued interest thereon will not
change more often than once per year. Any interest credited on the
amounts in the Fixed Account in excess of the minimum guaranteed rate of
4% per year will be determined in our sole discretion. You assume the
risk that interest credited may not exceed the guaranteed rate.

Amounts deducted from the Fixed Account for the Monthly Deduction,
surrenders, transfers to the Subaccounts, or charges are currently, for
the purpose of crediting interest, accounted for on a last-in, first-out
("LIFO") method. We reserve the right to change the method of crediting
from time to time, provided that such changes do not have the effect of
reducing the guaranteed rate of interest below 4% per annum or shorten
the period for which the interest rate applies to less than a year
(except for the year in which such amount is received or transferred).

Calculation of Fixed Account Value

Fixed Account Value at any time is equal to amounts allocated or
transferred to it, plus interest credited to it, minus amounts deducted,
transferred, or surrendered from it.

Transfers from Fixed Account

One transfer each Contract Year is allowed from the Fixed Account to any
or all of the Subaccounts. The amount transferred from the Fixed
Account may not exceed 25% of the unloaned Fixed Account Value on the
date of transfer, unless the balance after the transfer is less than
$250, in which case we will transfer the entire amount.

Payment Deferral

We reserve the right to defer payment of any surrender, partial
surrender, or transfer from the Fixed Account for up to six months from
the date of receipt of the Written Notice for the partial or full
surrender or transfer.

CHARGES AND DEDUCTIONS

Premium Expense Charges
Sales Charge. When premiums are paid, a Sales Charge may be deducted
from the premium before allocation to the Variable Account and/or the
Fixed Account. The amount of the Sales Charge depends on which Contract
Year the premium is received at our Home office and the amount of
premium received during that Contract Year. During Contract Years 1
through 10, premiums paid during a Contract Year in an amount up to a
"Target Premium" are subject to a higher Sales Charge than "Excess
Premiums." The "Target Premium" is an amount calculated based on Age,
sex, and risk class of the Insureds, the Guaranteed Minimum Death
Benefit Option if elected and level of Specified Amount. "Excess
Premiums" are premiums paid during a Contract year in an amount greater
than the Target Premium.

The Sales Charge applicable to total premiums paid up to the Target
Premium and to total premiums paid that are "Excess Premiums" is
described in the following table:

Sales Charge as % of
Premiums Paid Sales Charge % of Excess
Contract Year up to Target Premium Premiums Paid
Year 1 50% of premiums 2% of premiums
Years 2-5 15% of premiums 2% of premiums
Years 6-10 6% of premiums 2% of premiums
Years 11-20 2% of premiums 2% of premiums
Years 21+ 0% 0%

Following is an example of how the Sales Charge is calculated:

Assume that the Target Premium specified in a Contract is $1,000. If
premiums of $1,500 are paid during Contract Year 1, $1,000 of the
premiums paid (the amount up to the Target Premium) would be subject to
a 50% Sales Charge, or $500. The Excess Premium of $500 would be
subject to a 2% Sales Charge, or $10. The total Sales Charge deducted
in Contract Year 1 would be $510. If premiums of $1,500 were paid in
Contract Year 6, $1,000 of the premiums paid would be subject to a 6%
Sales Charge, or $60. The Excess Premium of $500 would be subject to a
2% Sales Charge, or $10. The total Sales Charge deducted in Contract
Year 6 would be $70.

While this Example demonstrates that premiums paid in later Contract
Years may be subject to lower Sales Charges than premiums paid during
earlier Contract Years, deferring payment of premiums until later
Contract Years may result in not enough premiums being paid to meet the
Guaranteed Minimum Death Benefit Option Premium requirement in the early
Contract Years, or may also result in not enough premiums being paid for
the Cash Surrender Value to cover Monthly Deductions. In either case,
the Contract could lapse.

The Sales Charge reimburses Kansas City Life for various sales and
administrative expenses associated with issuing the Contract.

Premium Processing Charge.. The Premium Processing Charge is
deducted from each premium payment and equals 4.85% of the premium.
This charge reimburses Kansas City Life for a Federal "deferred
acquisition" tax on premiums received, state and local premium taxes
and for administrative expenses associated with processing premium
payments.

Monthly Deduction

On the Allocation Date, Kansas City Life will deduct Monthly Deductions
for the Contract Date and each Monthly Anniversary that has occurred
prior to or on the Allocation Date. See "Applying for Contract," page 16.
Subsequent Monthly Deductions will be made as of each Monthly
Anniversary Day thereafter. Your Contract Date is the date used to
determine your Monthly Anniversary Day. The Monthly Deduction consists
of (1) monthly expense charges, (2) cost of insurance charges, and (3)
any optional benefit and/or rider charges, as described below. The
Monthly Deduction is deducted from the Variable Accounts and Fixed
Account pro rata on the basis of the portion of Contract Value in each
account on the Monthly Anniversary Day.

Monthly Expense Charge. The Monthly Expense Charge is made up of two
parts:
(1) a charge of $12.50 per month for the first five Contract
Years.
(2) a monthly expense charge of $7.50 plus $.02 per $1,000
of Total Sum Insured per month for all Contract Years

The Monthly Expense Charge reimburses Kansas City Life for expenses
incurred in the administration of the Contracts and the Variable
Account. Such expenses include but are not limited to: underwriting
and issuing the Contract, confirmations, annual reports and account
statements, maintenance of Contract records, maintenance of Variable
Account records, administrative personnel costs, mailing costs, data
processing costs, legal fees, accounting fees, filing fees, the costs of
other services necessary for Contract Owner servicing and all
accounting, valuation, regulatory and updating requirements.

The Monthly Expense Charge is guaranteed not to increase. Should these
guaranteed charges prove to be insufficient to pay for the associated
expenses, the Company will not increase the charges above such
guaranteed levels and will incur the loss.

Cost of Insurance Charge. This charge compensates Kansas City Life
for the expense of providing insurance coverage. The charge depends on
a number of variables and therefore will vary from Contract to Contract
and from Monthly Anniversary Day to Monthly Anniversary Day. For any
Contract, the cost of insurance on a Monthly Anniversary Day is
calculated by multiplying the current cost of insurance rate for the
Insureds by the net amount at risk for that Monthly Anniversary Day.

The net amount at risk on a Monthly Anniversary Day is the difference
between the Death Benefit (see "Coverage Options," page 30), discounted
with one month of interest and the Contract Value allocated to the
coverage, as calculated on that Monthly Anniversary Day before the cost
of insurance charge is taken. The interest rate used to discount the
Death Benefit is the monthly equivalent of 4% per year. Contract Value
is allocated first to Specified Amount and then to the Additional
Insurance Amount coverage in the order in which those coverages were
issued, then to any additional coverage amount applicable under Coverage
Option L.

The cost of insurance rate for a Contract on a Monthly Anniversary Day
is based on the Insureds' Age, sex, number of completed Contract Years,
Total Sum Insured, risk class, and therefore varies from time to time.
Kansas City Life currently places Insureds in the following classes,
based on underwriting: Standard Tobacco User, Standard Nontobacco User,
Preferred Nontobacco User and Preferred Tobacco User. The Insureds may
be placed in a substandard risk class, which involves a higher mortality
risk than the Standard Tobacco User or Standard Nontobacco User classes.

Kansas City Life places the Insureds in risk classes when the Contract
is given underwriting approval, based on Kansas City Life's underwriting
of the application. When an increase in Additional Insurance Amount is
requested, Kansas City Life conducts underwriting before approving the
increase to determine the risk class that will apply to the increase. If
the risk class for the increase has lower cost of insurance rates than
the existing risk class, the lower rates will apply to the entire Total
Sum Insured. If the risk class for the increase has higher cost of
insurance rates than the existing class, the higher rates will apply
only to the increase in Total Sum Insured, and the existing risk class
will continue to apply to the existing Total Sum Insured.

Kansas City Life guarantees that the cost of insurance rates used to
calculate the monthly cost of insurance charge will not exceed the
maximum cost of insurance rates set forth in the Contract. The
guaranteed rates for standard and preferred risk classes are based on
the 1980 Commissioners' Standard Ordinary Mortality Tables, Male or
Female, Smoker or Nonsmoker Mortality Rates ("1980 CSO Tables"). The
guaranteed rates for substandard classes are based on multiples of or
additives to the 1980 CSO Tables.

Kansas City Life's current cost of insurance rates may be less than the
guaranteed rates that are set forth in the Contract. Current cost of
insurance rates will be determined based on Kansas City Life's
expectations as to future mortality experience. These rates may change
from time to time.

Cost of insurance rates (whether guaranteed or current) for one or both
Insureds in a nontobacco user standard class are lower than rates for
one or both Insureds of the same age and sex in a tobacco user standard
class. Cost of insurance rates (whether guaranteed or current) for one
or both Insureds in a nontobacco user or tobacco user standard risk
class are lower than rates for one or both Insureds of the same age, sex
and tobacco user class in a substandard risk class.

Guaranteed Minimum Death Benefit Option Charge. There is no charge
for the Guaranteed Minimum Death Benefit Option in the first ten
Contract Years. Beginning in Contract Year 11, the charge will be $.01
per $1,000 on a current basis and $.03 per $1,000 on a guaranteed basis.
This charge will be based on the Specified Amount and will be deducted
monthly.

Cost of Additional Benefits Provided by Riders. The cost of
additional benefits provided by riders is part of the Monthly Deduction
and is charged to the Contract Value on the Monthly Anniversary Day.

Legal Considerations Relating to Sex-Distinct Premium Payments and
Benefits. Cost of insurance rates for Contracts generally distinguish
between males and females. Thus, premium payments and benefits under
Contracts covering males and females of the same age will generally
differ. (In some states, the cost of insurance rates do not vary by
sex.)

Kansas City Life does, however, also offer Contracts that do not
distinguish between males and females if required by state law.
Employers and employee organizations considering purchase of a Contract
should consult with their legal advisors to determine whether purchase
of a Contract based on sex-distinct cost of insurance rates is
consistent with Title VII of the Civil Rights Act of 1964 or other
applicable law. Kansas City Life will offer to such prospective
purchasers Contracts with cost of insurance rates that do not
distinguish between males and females.

Daily Mortality and Expense Risk Charge

Kansas City Life deducts a daily charge from assets in the Subaccounts
attributable to the Contracts. This charge does not apply to Fixed
Account assets attributable to the Contracts. The current charge is at
an annual rate of .625% of net assets, and is guaranteed never to exceed
an annual rate of .900%.

The mortality risk Kansas City Life assumes is that the Insureds under
the Contracts may die sooner than anticipated and therefore Kansas City
Life will pay an aggregate amount of death benefits greater than
anticipated. The expense risk Kansas City Life assumes is that expenses
incurred in issuing and administering the Contracts and the Variable
Account will exceed the amounts realized from the administrative charges
assessed against the Contracts.

Transfer Processing Fee

The first six transfers during each Contract Year are free. We will
assess a $25 Transfer Processing Fee for each additional transfer during
such Contract Year. For the purpose of assessing the fee, we will
consider each written or telephone request seeking a transfer to be one
transfer, regardless of the number of accounts affected by the transfer.
We will deduct the Transfer Processing Fee from the amount being
transferred or from the remaining Contract Value, according to your
instructions. We do not expect a profit from this fee.

Partial Surrender Fee

Kansas City Life will deduct an administrative charge upon a partial
surrender. This charge is the lesser of 2% of the amount surrendered or
$25. This charge will be deducted from the Contract Value in addition
to the amount requested to be surrendered and will be considered to be
part of the partial surrender amount. Kansas City Life does not
anticipate making a profit on this charge.

Fund Expenses

The value of the net assets of each Subaccount reflects the investment
advisory fees and other expenses incurred by the corresponding Portfolio
in which the Subaccount invests. See the prospectuses for the Funds or
Portfolios.

Bonus on Contract Value in the Variable Account

A bonus may be credited to the Contract on each Monthly Anniversary Day
beginning on the first Monthly Anniversary Day following the Contract
Date. The monthly bonus applies to Contracts with a Total Sum Insured
of $5,000,000 and above and equals an annual rate of .125% of the
Contract Value in each Subaccount of the Variable Account. The bonus is
not guaranteed and will be paid at Kansas City Life's sole discretion.

Reduced Charges for Eligible Groups

The charges otherwise applicable may be reduced with respect to
Contracts issued to a class of associated individuals or to a trustee,
employer or similar entity where Kansas City Life anticipates that the
sales to the members of the class will result in lower than normal sales
or administrative expenses. These reductions will be made in accordance
with our rules in effect at the time of the application for a Contract.
The factors we will consider in determining the eligibility of a
particular group for reduced charges and the level of the reduction are
as follows: the nature of the association and its organizational
framework, the method by which sales will be made to the members of the
class, the facility with which premiums will be collected from the
associated individuals and the association's capabilities with respect
to administrative tasks, the anticipated persistency of the Contract,
the size of the class of associated individuals and the number of years
it has been in existence and any other such circumstances which justify
a reduction in sales or administrative expenses. Any reduction will be
reasonable and will apply uniformly to all prospective Contract
purchases in the class and will not be unfairly discriminatory to the
interests of any Contract holder.

Other Tax Charge

Kansas City Life does not currently assess a charge for any taxes other
than state and local premium taxes and Federal DAC taxes incurred as a
result of the operations of the Subaccounts of the Variable Account. We
reserve the right, however, to assess a charge for such taxes against
the Subaccounts if we determine that such taxes will be incurred.

HOW YOUR CONTRACT VALUES VARY

There is no minimum guaranteed Contract Value or Cash Surrender Value.
These values will vary with the investment experience of the Subaccounts
and/or the crediting of interest in the Fixed Account, and will depend
on the allocation of Contract Value. If the Cash Surrender Value on a
Monthly Anniversary Day is less than the amount of the Monthly Deduction
to be deducted on that date (see "Premium Payments To Prevent Lapse,"
page 22) and the Guaranteed Minimum Death Benefit Option is not then in
effect, the Contract will be in default and a grace period will begin.
See "Guaranteed Minimum Death Benefit Option," page 31.

Determining the Contract Value

On the Allocation Date, the Contract Value is equal to the initial Net
Premium less the Monthly Deductions deducted from the Contract Date. On
each Valuation Day thereafter, the Contract Value is the aggregate of
the Subaccount Values and the Fixed Account Value (including the Loan
Account Value). The Contract Value will vary to reflect the performance
of the Subaccounts to which amounts have been allocated, interest
credited on amounts allocated to the Fixed Account, interest credited on
amounts in the Loan Account, charges, transfers, partial surrenders,
loans and loan repayments.

Subaccount Values. When you allocate an amount to a Subaccount,
either by Net Premium payment allocation or transfer, your Contract is
credited with accumulation units in that Subaccount. The number of
accumulation units is determined by dividing the amount allocated to the
Subaccount by the Subaccount's accumulation unit value for the Valuation
Day when the allocation is effected.

The number of Subaccount accumulation units credited to your Contract
will increase when Net Premium payments are allocated to the Subaccount
and when amounts are transferred to the Subaccount. The number of
Subaccount accumulation units credited to a Contract will decrease when
the allocated portion of the Monthly Deduction is taken from the
Subaccount, a loan is made, an amount is transferred from the
Subaccount, or a partial surrender, including the Partial Surrender Fee,
is taken from the Subaccount.

Accumulation Unit Values. A Subaccount's accumulation unit value
varies to reflect the investment experience of the underlying Portfolio,
and may increase or decrease from one Valuation Day to the next. The
accumulation unit value for each Subaccount was arbitrarily set at $10
when the Subaccount was established. For each Valuation Period after
the date of establishment, the accumulation unit value is determined by
multiplying the value of an accumulation unit for a Subaccount for the
prior valuation period by the net investment factor for the Subaccount
for the current valuation period.

Net Investment Factor. The net investment factor is an index used to
measure the investment performance of a Subaccount from one Valuation
Day to the next. It is based on the change in net asset value of the
Fund shares held by the Subaccount, and reflects any gains or losses in
the Subaccounts, dividends paid, any capital gains or losses, any taxes,
and the daily mortality and expense risk charge.

Fixed Account Value. On any Valuation Day, the Fixed Account Value
of a Contract is the total of all Net Premium payments allocated to the
Fixed Account, plus any amounts transferred to the Fixed Account
(including amounts transferred in connection with Contract loans), plus
interest credited on such Net Premium payments and amounts transferred,
less the amount of any transfers from the Fixed Account, less the amount
of any partial surrenders, including the Partial Surrender Fee, taken
from the Fixed Account, and less the pro-rata portion of the Monthly
Deduction deducted from the Fixed Account.

Loan Account Value. On any Valuation Day, if there have been any
Contract loans, the Loan Account Value is equal to amounts transferred
to the Loan Account from the Subaccounts and from the unloaned value in
the Fixed Account as collateral for Contract loans and for due and
unpaid loan interest, less amounts transferred from the Loan Account to
the Subaccounts and the unloaned value in the Fixed Account as
Indebtedness is repaid.

Cash Surrender Value

The Cash Surrender Value on a Valuation Day is the Contract Value
reduced by any Indebtedness. Cash Surrender Value is used to determine
whether a partial surrender may be taken, whether Contract loans may be
taken, and whether a grace period starts. See "Premium Payments to
Prevent Lapse," page 22. It is also the amount that is available upon
full surrender of the Contract. See "Surrendering the Contract for Cash
Surrender Value," page 35.

DEATH BENEFIT

As long as the Contract remains in force, Kansas City Life will pay the
Death Benefit proceeds upon receipt at the Home Office of proof of death
that Kansas City Life deems satisfactory of the last surviving Insured.
Kansas City Life may also require proof of the death of the Insured who
died first and may require return of the Contract. The Death Benefit
proceeds will be paid in a lump sum generally within seven calendar days
of receipt of satisfactory proof (see "When Proceeds Are Paid," page 42)
or, if elected, under a payment option (see "Payment Options," page 36).
The Death Benefit proceeds will be paid to the Beneficiary. See
"Selecting and Changing the Beneficiary," page 34.

Amount of Death Benefit Proceeds
The Death Benefit proceeds payable upon the death of the last surviving
Insured are equal to the sum of: (1) the greater of: (a) the Death
Benefit under the Coverage Option selected, calculated as of the date of
the last surviving Insured's death, or (b) the Corridor Death Benefit;
and (2) an amount equal to any benefits provided by any optional
benefits or riders, plus any premiums received after the date of death,
minus any indebtedness on that date, and, if the death occurred during a
grace period, minus any past due Monthly Deductions. A minimum Death
Benefit may be provided under the Guaranteed Minimum Death Benefit
Option. If all or part of the Death Benefit proceeds are paid in one
sum, Kansas City Life will pay interest on this sum as required by
applicable state law from the date of receipt of due proof of the last
surviving Insured's death to the date of payment.

Total Sum Insured, Specified Amount, Additional Insurance Amount

The Total Sum Insured, Specified Amount and the Additional Insurance
Amount are set at the time the Contract is issued and the Specified
Amount plus the Additional Insurance Amount equals the Total Sum
Insured. The minimum Total Sum Insured is $200,000. Within the Total
Sum Insured minimum, there is also the requirement that the minimum
Specified Amount be $100,000 while the minimum Additional Insurance
Amount is $10,000. The maximum amount of initial Additional Insurance
Amount coverage is four times the Specified Amount at issue.

You may decrease the Total Sum Insured from time to time, as discussed
below. You may increase the Additional Insurance Amount as described
below. The Guaranteed Minimum Death Benefit Option only applies to the
Specified Amount and not to the Additional Insurance Amount. Therefore,
if the Contract Value is insufficient to pay monthly deductions, the
Additional Insurance Amount may lapse. See "Guaranteed Minimum Death
Benefit Option," page 31.

Coverage Options
When you apply for the Contract you may choose one of three Coverage
Options, which will be used to determine the Death Benefit. You may
also change the Coverage Option, as described below. However, Coverage
Option L is only available at issue. Under Option A, the Death Benefit
is equal to the Total Sum Insured on the date of death of the last
surviving Insured. Under Option B, the Death Benefit is equal to the
Total Sum Insured on the date of death of the last surviving Insured,
plus the Contract Value on the date of such death. Under Coverage
Option L, the Death Benefit will be the sum of: (1) the Total Sum
Insured on the date of death of the last surviving Insured; and (2) the
Contract Value on the Contract Anniversary preceding the death of the
last surviving Insured multiplied by the applicable Option L Death
Benefit Percentage less the Total Sum Insured on that Contract
Anniversary. If the amount in (2) of the Option L Death Benefit
calculation is less than zero then the Option L Death Benefit will be
equal to the amount calculated in (1).

Corridor Death Benefit
The purpose of the Corridor Death Benefit is to ensure that your
Contract will not be disqualified as a life insurance contract under
Section 7702 of the Internal Revenue Code, as amended. The Corridor
Death Benefit is calculated by multiplying the Contract Value by the
appropriate corridor percentage. The corridor percentages vary by Age,
sex, risk class, Specified Amount, Additional Insurance Amount, the
number of years coverage has been in effect and any applicable optional
benefits or riders.

Guaranteed Minimum Death Benefit Option
An optional Guaranteed Minimum Death Benefit Option is available only
at issue. This option is not available if Coverage Option B is elected
or if the Joint First to Die Rider is issued with the Contract. If this
option has been elected, it guarantees payment of the Specified Amount
(less Indebtedness and any past due charges) upon the death of the last
surviving Insured, regardless of the Contract's investment performance,
provided that the Guaranteed Minimum Death Benefit Option Premium
requirement is met. See "Guaranteed Minimum Death Benefit Option
Premium," page 21. The Guaranteed Minimum Death Benefit Option does not
guarantee any Additional Insurance Amount.

The Guaranteed Minimum Death Benefit Option Premium is the amount which
guarantees that the Guaranteed Minimum Death Benefit Option will remain
in effect. The Guaranteed Minimum Death Benefit Option Premium
requirement is met if, on each Monthly Anniversary Day:
the cumulative premiums that you have paid equal or exceed the
cumulative Guaranteed Minimum Death Benefit Option Premiums (the
amount of the Guaranteed Minimum Death Benefit Option Premium is shown
in your Contract), plus Indebtedness, where
the term "the cumulative premiums that you have paid" means the amount
that is equal to (a) the sum of all premiums paid, less (b) the sum of
all partial surrenders, with (a) and (b) each accumulated at an annual
effective interest rate of 4% from the date your Contract is issued to
the Monthly Anniversary Date on which the Guaranteed Minimum Death
Benefit Option Premium requirement is calculated, and
the term "cumulative Guaranteed Minimum Death Benefit Option Premiums"
means the amount that is equal to the sum of the Guaranteed Minimum
Death Benefit Option Premiums, with each such premium accumulated at
an annual effective interest rate of 4% to the Monthly Anniversary
Date on which the Guaranteed Minimum Death Benefit Option Premium
requirement is calculated.

If the Guaranteed Minimum Death Benefit Option Premium requirement is not
met, the Guaranteed Minimum Death Benefit Option is in default. A 61-day
notice period begins on the day we mail the notice that the Guaranteed
Minimum Death Benefit Option is in default and the amount of premium
required to maintain the Guaranteed Minimum Death Benefit Option. The
default premium will be the amount by which the cumulative Guaranteed
Minimum Death Benefit Option Premium plus indebtedness is greater than
the cumulative paid premium. The Guaranteed Minimum Death Benefit Option
will terminate if sufficient premium is not paid by the end of the notice
period.

If the policy contains any Additional Insurance Amount coverage or any
optional benefit riders, then in addition to testing the Guaranteed
Minimum Death Benefit Option Premium requirement as outlined above, the
Contract Value will be tested to ensure that the policy is funded at a
sufficient level to support the Additional Insurance Amount or other
optional riders. On each Monthly Anniversary Day the Cash Surrender Value
will be tested to determine if it is sufficient to cover the Monthly
Deduction. If not, a 61-day notice period begins on the day we mail
notice of the default premium amount. The default premium will be equal
to the payment which would be sufficient to provide a Cash Surrender
Value equal to three monthly deductions. The Additional Insurance Amount
coverage and other optional riders will be removed from the contract if
payment at least equal to the default premium is not received by the end
of the notice period.

There is no charge for this option during the first 10 Contract Years.
Beginning in Contract Year 11 a monthly charge per $1,000 of Specified
Amount at issue will apply. The Guaranteed Minimum Death Benefit Option
is not available for Coverage Option B Contracts, for Contracts on which
the Additional Insurance Amount exceeds or is scheduled to exceed the
Specified Amount or for Contracts which include the Joint First to Die
Rider. The Guaranteed Minimum Death Benefit Option will terminate upon
your request, if the Coverage Option is changed to B or if the amount of
the Additional Insurance Amount is increased to more than the Specified
Amount.

You may apply to have the Guaranteed Minimum Death Benefit Option
reactivated within two years of termination of such option. Re-
activation requires: (1) written notice to restore the option, (2)
evidence of insurability of the Insureds satisfactory to us, unless re-
activation is requested within one year after the beginning of the
notice period; and (3) payment of the amount by which the cumulative
Guaranteed Minimum Death Benefit Option Premium plus Indebtedness
exceeds the cumulative paid premiums on the date of re-activation. On
the Monthly Anniversary Day on which the re-activation takes effect, we
will deduct from the Contract Value any unpaid Guaranteed Minimum Death
Benefit Option Charges. We reserve the right to deny re-activation of
the Guaranteed Minimum Death Benefit Option more than once during the
life of the Contract.

Effect of Combinations of Specified Amount and Additional Insurance
Amount You should consider various factors in determining how to allocate
coverage in the form of the Specified Amount or in the form of an
Additional Insurance Amount. The Specified Amount cannot be increased
after issue, while the Additional Insurance Amount may be increased
after issue, subject to application and evidence of insurability. The
Additional Insurance Amount does not increase the Target Premium under a
Contract. Accordingly, the amount of sales charge paid and the amount
of compensation paid to the agent may be less if coverage is included as
Additional Insurance Amount, rather than as Specified Amount. The
Guaranteed Minimum Death Benefit Option covers only the Specified Amount
and does not cover the Additional Insurance Amount. If the Contract
Value is insufficient to pay the monthly expenses (including charges for
the Additional Insurance Amount) the Additional Insurance Amount and
rider coverage will terminate, even though the Specified Amount may stay
in effect under the Guaranteed Minimum Death Benefit Option.

Generally, you will incur lower Contract Year charges and have more
flexible coverage with respect to the Additional Insurance Amount than
with the Specified Amount. On the other hand, if you wish to take
advantage of the Guaranteed Minimum Death Benefit Option, the proportion
of the Total Sum Insured that is guaranteed can be increased by taking
out a larger part of the coverage as Specified Amount at the time of
issue. The Guaranteed Minimum Death Benefit Option is not available at
all if the Additional Insurance Amount exceeds or is scheduled to exceed
the Specified Amount at any time. In such case, it could be to your
advantage to either increase the amount of coverage applied for at issue
as Specified Amount in order that the Guaranteed Minimum Death Benefit
Option will be available, or, if such guarantee is not of value to you,
to maximize the proportion of the Additional Insurance Amount.

Selecting and Changing the Beneficiary
You select the Beneficiary in your application. You may later change
the Beneficiary in accordance with the terms of the Contract. The
Primary Beneficiary, or, if the Primary Beneficiary is not living, the
Contingent Beneficiary, is the person entitled to receive the Death
Benefit proceeds under the Contract. If both Insureds die and there is
no surviving Beneficiary, the Owner will be the Beneficiary. If a
Beneficiary is designated as irrevocable, then the Beneficiary's consent
must be obtained to change the Beneficiary.

CHANGES IN DEATH BENEFIT

Effect of Investment Performance on Death Benefit
If investment performance is favorable, the amount of the Death Benefit
Proceeds may increase. However, under Option A, the Death Benefit
Proceeds ordinarily will not change for several years to reflect any
favorable investment performance and may not change at all. To see how
and when investment performance may begin to affect the Death Benefit
Proceeds, see the illustrations beginning on page 39. Under Option B,
the Death Benefit will vary directly with the investment performance of
the Contract Value. Under Option L, the Death Benefit Proceeds will
result in a Death Benefit pattern that can be level for several years
and then can increase at a particular time of your choosing.

Changes in Coverage Option
You may change the Coverage Option on your Contract subject to the
following rules. We reserve the right to require that no change in
Coverage Option occur during the first Contract Year and that no more
than one increase be made in any 12-month period. Coverage Option L is
only available at issue. After any change, the Total Sum Insured must
be at least $200,000 and the Specified Amount must be at least $100,000.
The effective date of change will be the Monthly Anniversary Day
following the date we approve your application for change.

If the Coverage Option is B or L, it may be changed to A. The Total Sum
Insured will not change. If the Coverage Option is A or L, it may be
changed to B subject to evidence of insurability satisfactory to us.
The new Total Sum Insured will be the greater of the Total Sum Insured
less the Contract Value as of the date of change or $25,000. If the
Coverage Option is changed to B, the Guaranteed Minimum Death Benefit
Option, if in effect, will terminate.

We reserve the right to decline any Coverage Option change that we
determine would cause the Contract to not qualify as life insurance
under applicable tax laws.

Increases in the Additional Insurance Amount
Increases to the Additional Insurance Amount may be made either through
scheduled annual increases requested at issue and through unscheduled
increases requested at any other time of your choosing. The maximum
Additional Insurance Amount coverage at issue is four times the
Specified Amount. This coverage may increase to a maximum of eight
times the Specified Amount after issue under scheduled annual increases.

Scheduled increases to the Additional Insurance Amount, subject to our
approval, may be based on a flat amount annual increase or a percentage
annual increase. Available percentage increases range from 0-25% of the
Additional Insurance Amount. The percentage increase will be based on
the specified percentage of the Additional Insurance Amount at the time
the scheduled increase occurs. Available amounts for a flat amount
increase range from 0-25% of the Additional Insurance Amount at issue.
The Guaranteed Minimum Death Benefit Option will not be available if the
Additional Insurance Amount is, or is scheduled to, exceed the Specified
Amount.

You may request increases to the Additional Insurance Amount other than
the annual, scheduled increases available at issue. We reserve the
right to require that no increases in Additional Insurance Amount occur
during the first Contract Year and that no more than one increase be
made in any 12-month period.

Any requested, unscheduled increase in the Additional Insurance Amount
must be at least $10,000 and an application must be submitted. Kansas
City Life reserves the right to require satisfactory evidence of
insurability. In addition, the Insureds' attained Age must be less than
the current maximum issue Age for the Contracts, as determined by Kansas
City Life from time to time. A change in Planned Periodic Premiums may
be advisable.

The increase in the Additional Insurance Amount will become effective on
the Monthly Anniversary Day on or next following the date the request
for the increase is received and approved. If the Additional Insurance
Amount is increased to be greater than the Specified Amount, the
Guaranteed Minimum Death Benefit Option, if applicable, will terminate.
In addition, if the Cash Surrender Value is at any time insufficient to
pay monthly deductions for the Contract, the Additional Insurance Amount
and riders will terminate in order to preserve the Guaranteed Minimum
Death Benefit Option. See "Guaranteed Minimum Death Benefit Option,"
page 31.

Decreases in Total Sum Insured
You may request a decrease in the Total Sum Insured. When a decrease in
Total Sum Insured is made, we will first reduce any amount of Additional
Insurance Amount remaining and only then reduce the Specified Amount,
starting with the latest increase and continuing in the reverse order in
which the increases were made. If the Specified Amount is decreased, the
Guaranteed Minimum Death Benefit Option coverage amount will be decrease
by the same amount. Under certain circumstances, a partial surrender
will result in a decrease in the Total Sum Insured. See "Partial
Surrenders," page 35.

We reserve the right to require that no decreases occur during the first
Contract Year and that no more than one decrease be made in any 12-month
period.

We reserve the right to require that the Total Sum Insured after any
decrease be at least $200,000 and the Specified Amount must be $100,000.
You must provide written notice to the Home Office of your intention to
decrease your Specified Amount. The effective date of the decrease will
be the Monthly Anniversary Day following the date we approve your
request for decrease.

Decreasing the Total Sum Insured may have the effect of decreasing
monthly Cost of Insurance Charges. However, a decrease will not
decrease the Target Premium or Guaranteed Minimum Death Benefit Option
Premium.

A decrease in the Total Sum Insured may have adverse tax consequences.
See "Tax Considerations," page 44.

CASH BENEFITS

Contract Loans

Prior to the death of the last surviving Insured, you may borrow against
your Contract at any time by submitting a written request to the Home
Office, provided that the Cash Surrender Value of the Contract is
greater than zero. Loans may also be made by telephone if the
appropriate election has been made at the time of application or proper
authorization has been provided to us. See "Telephone Transfer, Premium
Allocation and Loan Privileges," page 48. The maximum loan amount is
equal to the Contract's Cash Surrender Value on the effective date of
the loan less loan interest to the next Contract Anniversary.
Outstanding loans reduce the amount available for new loans. Contract
loans will be processed as of the date your written request is received
and approved. Loan proceeds generally will be sent to you within seven
calendar days. See "When Proceeds Are Paid," page 42.

Interest. Kansas City Life will charge interest on any Indebtedness
at an annual rate of 6.0%. Interest is due and payable at the end of
each Contract Year while a loan is outstanding. If interest is not paid
when due, the amount of the interest is added to the loan and becomes
part of the Indebtedness.

Loan Collateral. When a Contract loan is made, an amount sufficient
to secure the loan is transferred out of the Subaccounts and the
unloaned value in the Fixed Account and into the Contract's Loan
Account. Thus, a loan will have no immediate effect on the Contract
Value, but the Cash Surrender Value will be reduced immediately by the
amount transferred to the Loan Account. The Owner may specify the
Variable Accounts and/or Fixed Account from which collateral will be
transferred. If no allocation is specified, collateral will be
transferred from each Subaccount and from the unloaned value in the
Fixed Account in the same proportion that the Contract Value in each
Subaccount and the unloaned value in the Fixed Account bears to the
total unloaned Contract Value on the date that the loan is made. An
amount of Cash Surrender Value equal to any due and unpaid loan interest
will also be transferred to the Loan Account on each Contract
Anniversary. Due and unpaid interest will be transferred from each
Subaccount and the unloaned value in the Fixed Account in the same
proportion that each Subaccount Value and the unloaned value in the
Fixed Account Value bears to the total unloaned Contract Value.

The Loan Account will be credited with interest at an effective annual
rate of not less than 4.0%. Thus, the maximum net cost of a loan is
2.0% per year (the net cost of a loan is the difference between the rate
of interest charged on Indebtedness and the amount credited to the Loan
Account). Interest earned on the Loan Account will be added to the
Fixed Account.

Preferred Loan Provision. Beginning in the eleventh Contract Year, a
preferred loan may be made. The maximum amount available for a
preferred loan is the Contract Value less premiums paid and may not
exceed the maximum loan amount. The amount in the Loan Account securing
the preferred loan will be credited with interest at an effective annual
rate of 6.0%. Thus, the net cost of the preferred loan is 0.0% per
year. The preferred loan provision is not guaranteed.

Loan Repayment. You may repay all or part of your Indebtedness at
any time while at least one Insured is living and the Contract is in
force. We reserve the right to require that each loan repayment be at
least $50.00. Loan repayments must be sent to the Home Office and will
be credited as of the date received. A loan repayment must be clearly
marked as "loan repayment" or it will be credited as a premium. (Loan
repayments, unlike unscheduled premium payments, are not subject to
Premium Expense Charges.) When a loan repayment is made, Contract Value
in the Loan Account in an amount equal to the repayment is transferred
from the Loan Account to the Subaccounts and the unloaned value in the
Fixed Account. Thus, a loan repayment will have no immediate effect on
the Contract Value, but the Cash Surrender Value will be increased
immediately by the amount transferred from the Loan Account. Unless
specified otherwise by the Owner, loan repayment amounts will be
transferred to the Subaccounts and the unloaned value in the Fixed
Account according to the premium allocation instructions in effect at
that time.

Effect of Contract Loan. A loan, whether or not repaid, will have a
permanent effect on the Death Benefit and Contract Values because the
investment results of the Subaccounts of the Variable Account and
current interest rates credited on Contract Value in the Fixed Account
will apply only to the non-loaned portion of the Contract Value. The
longer the loan is outstanding, the greater the effect is likely to be.
Depending on the investment results of the Subaccounts or credited
interest rates for the unloaned value in the Fixed Account while the
loan is outstanding, the effect could be favorable or unfavorable.
Contract loans may increase the potential for lapse if investment
results of the Subaccounts are less than anticipated. Also, loans
could, particularly if not repaid, make it more likely than otherwise
for a Contract to terminate. See "Tax Considerations," page 44, for a
discussion of the tax treatment of policy loans, and the adverse tax
consequences if a Contract lapses with loans outstanding. In
particular, if your Contract is a "modified endowment contract," loans
may be currently taxable and subject to a 10% penalty tax. In addition,
interest paid on Contract Loans generally is not tax deductible.

If the Death Benefit becomes payable while a loan is outstanding, the
Indebtedness will be deducted in calculating the Death Benefit proceeds.
See "Amount of Death Benefit Proceeds," page 30.

If the Loan Account Value exceeds the Contract Value on any Valuation
Day, the Contract will be in default. You, and any assignee of record,
will be sent notice of the default. You will have a 61-day grace period
to submit a sufficient payment to avoid termination of coverage under
the Contract. The notice will specify the amount that must be repaid to
prevent termination. See "Premium Payments to Prevent Lapse," page 22.

Surrendering the Contract for Cash Surrender Value

You may surrender your Contract at any time for its Cash Surrender Value
by submitting a written request to the Home Office. Kansas City Life
may require return of the Contract. A surrender request will be
processed as of the date your written request and all required documents
are received. Payment will generally be made within seven calendar
days. See "When Proceeds are Paid," page 42. The Cash Surrender Value
may be taken in one lump sum or it may be applied to a payment option.
See "Payment Options," page 36. Your Contract will terminate and cease
to be in force if it is surrendered for one lump sum. It cannot later
be reinstated. Surrenders may have adverse tax consequences. See "Tax
Considerations," page 44.

Partial Surrenders

You may make partial surrenders under your Contract at any time subject
to the conditions below. You must submit a written request to the Home
Office. Each partial surrender must be at least $500. The partial
surrender amount may not exceed the Cash Surrender Value, less $300. A
Partial Surrender Fee will be assessed on a partial surrender. See
"Partial Surrender Fee," page 27. This charge will be deducted from
your Contract Value along with the amount requested to be surrendered
and will be considered part of the surrender (together, "partial
surrender amount"). As of the date Kansas City Life receives a written
request for a partial surrender, the Contract Value will be reduced by
the partial surrender amount.

When you request a partial surrender, you can direct how the partial
surrender amount will be deducted from your Contract Value in the
Subaccounts and Fixed Account. If you provide no directions, the
partial surrender amount will be deducted from your Contract Value in
the Subaccounts and Fixed Account on a pro-rata basis. See "Minimum
Guaranteed and Current Interest Rates," page 24. Partial surrenders may
have adverse tax consequences. See "Tax Considerations," page 44.

If Coverage Option A or L is in effect, Kansas City Life will reduce the
Contract Value by the partial surrender amount. The Total Sum Insured
will be reduced by the partial surrender amount minus the excess, if
any, of the Death Benefit over the Total Sum Insured at the time the
partial surrender is made. If the partial surrender amount is less than
the excess of the Death Benefit over the Total Sum Insured, the Total
Sum Insured will not be reduced. If Coverage Option B is in effect we
will reduce the Contract Value by the partial surrender amount. We
reserve the right to reject a partial surrender request if the partial
surrender would reduce the Total Sum Insured below the minimum amount
for which the Contract would be issued under Kansas City Life's then-
current rules, as interpreted by Kansas City Life.

Partial surrender requests will be processed as of the date your written
request is received, and generally will be paid within seven calendar
days. See "When Proceeds Are Paid," page 42.

Payment Options

The Contract offers a variety of ways of receiving proceeds payable
under the Contract, such as on surrender or death, other than in a lump
sum. These payment options are summarized below. All of these options
are forms of fixed-benefit annuities which do not vary with the
investment performance of a separate account. Any agent authorized to
sell this Contract can further explain these options upon request.

You may apply proceeds of $2,000 ($2,000 minimum may not apply in some
states) or more which are payable under this Contract to any of the
following options:

Option 1 - Interest Payments. We will make interest payments to the
payee annually or monthly as elected. Interest on the proceeds will be
paid at the guaranteed rate of 3.0% per year and may be increased by
additional interest paid annually. The proceeds and any unpaid interest
may be withdrawn in full at any time.

Option 2 - Installments of a Specified Amount. We will make annual
or monthly payments until the proceeds plus interest are fully paid.
Interest on the proceeds will be paid at the guaranteed rate of 3.0% per
year and may be increased by additional interest. The present value of
any unpaid installments may be withdrawn at any time.

Option 3 - Installments For a Specified Period. Payment of the
proceeds may be made in equal annual or monthly payments for a specified
number of years. Interest on the proceeds will be paid at the
guaranteed rate of 3.0% per year and may be increased by additional
interest. The present value of any unpaid installments may be withdrawn
at any time.

Option 4 - Life Income. We will pay an income during the payee's
lifetime. You also may choose a minimum guaranteed payment period or an
installment refund option as part of your life income payment option.
The minimum guaranteed payment period guarantees that life income
payments will continue after death until payments have been paid for the
full guaranteed payment period selected. The installment refund option
guarantees that life income payments will continue after death until the
total income payments received equal the amount of proceeds applied when
the option was initially selected.

Option 5 - Joint and Survivor Income. We will pay an income during
the lifetime of two persons and will continue to pay the same income as
long as either person is living. The minimum guaranteed payment period
will be ten years.

Minimum Amounts. Kansas City Life reserves the right to pay the
total amount of the Contract in one lump sum, if less than $2,000. If
payments are less than $50, payments may be made less frequently at
Kansas City Life's option.

If Kansas City Life has available at the time a payment option is
elected options or rates on a more favorable basis than those
guaranteed, the more favorable benefits will apply.

Specialized Uses of the Contract

Because the Contract provides for an accumulation of cash value as well
as a Death Benefit, the Contract can be used for various individual and
business financial planning purposes. Purchasing the Contract in part
for such purposes entails certain risks. For example, if the investment
performance of Subaccounts to which Variable Account Value is allocated
is poorer than expected or if sufficient premiums are not paid, the
Contract may lapse or may not accumulate sufficient Variable Account
Value to fund the purpose for which the Contract was purchased. Partial
surrenders and Contract loans may significantly affect current and
future Contract Value, Cash Surrender Value, or Death Benefit proceeds.
Depending upon Subaccount investment performance and the amount of a
Contract loan, the loan may cause a Contract to lapse. Because the
Contract is designed to provide benefits on a long-term basis, before
purchasing a Contract for a specialized purpose a purchaser should
consider whether the long-term nature of the Contract is consistent with
the purpose for which it is being considered. Using a Contract for a
specialized purpose may have tax consequences. See "Tax Considerations"
on page 44.

ILLUSTRATIONS OF CONTRACT VALUES, CASH SURRENDER VALUES, DEATH BENEFITS
AND ACCUMULATED PREMIUM PAYMENTS

The following tables have been prepared to illustrate hypothetically how
certain values under a Contract change with investment performance over
an extended period of time. The tables illustrate how Contract Values,
Cash Surrender Values and Death Benefits under a Contract covering both
Insureds of a given age on the Contract Date, would vary over time if
planned premium payments were paid annually and the return on the assets
in each of the Funds were an assumed uniform gross annual rate of 0%, 6%
and 12%. The values would be different from those shown if the returns
averaged 0%, 6% or 12% but fluctuated over and under those averages
throughout the years shown. The tables also show Planned Periodic
Premiums accumulated at 5% interest compounded annually. The
hypothetical investment rates of return are illustrative only and should
not be deemed a representation of past or future investment rates of
return. Actual rates of return for a particular Contract may be more or
less than the hypothetical investment rates of return and will depend on
a number of factors including the investment allocations made by an
Owner and prevailing interest rates and rates of inflation. These
illustrations assume that Net Premiums are allocated equally among the
14 Subaccounts available under the Contract, and that no amounts are
allocated to the Fixed Account. These illustrations also assume that no
Contract loans have been made and that the premium is paid at the
beginning of each Contract Year. Values would be different if the
premiums are paid with a different frequency or in different amounts.

The illustrations reflect the fact that the net investment return on the
assets held in the Subaccounts is lower than the gross after tax return
of the selected Portfolios. The current values shown in the tables
assume an average annual expense ratio of 0.92% of the average daily net
assets of the Portfolios available under the Contracts. This average
annual expense ratio is based on the expense ratios of each of the
Portfolios for the last fiscal year, adjusted, as appropriate, for any
material changes in expenses effective for the current fiscal year of a
Portfolio. For information on the Portfolios' expenses, see the
prospectuses for the Funds and Portfolios accompanying this Prospectus.

In addition, the values calculated using current charges shown in the
illustrations reflect the current daily charge to the Variable Account
for assuming mortality and expense risks, which is equivalent to an
annual charge of 0.625%. After deduction of Portfolio expenses and the
current mortality and expense risk charge, the illustrated gross annual
investment rates of return of 0%, 6% and 12% would correspond to
approximate net annual rates of -1.54%, 4.43% and 10.39% respectively on
a current basis. The values calculated using guaranteed charges shown
in the illustrations reflect the guaranteed daily charge to the Variable
Account for assuming mortality and expense risks, which is equivalent to
an annual charge of 0.90%. After deduction of Portfolio expenses and
the guaranteed mortality and expense risk charge, the illustrated gross
annual investment rates of return of 0%, 6% and 12% would correspond to
approximate net annual rates of -1.81%, 4.14% and 10.09%, respectively.

The illustrations also reflect the deduction of the Premium Expense
Charges and the Monthly Deductions and assume that the Guaranteed
Minimum Death Benefit Option is not in effect. The Monthly Deduction
includes the cost of insurance charge. Kansas City Life has the
contractual right to charge higher guaranteed maximum charges than its
current cost of insurance charges. In addition, the bonus, which, if
paid, would partially offset the Monthly Deduction, is not guaranteed
and will be paid in Kansas City Life's sole discretion. The current
cost of insurance charges and payment of the bonus and, alternatively,
the guaranteed cost of insurance charges and nonpayment of the bonus,
are reflected in separate illustrations on each of the following pages.
All the illustrations reflect the fact that no charges for Federal or
state income taxes are currently made against the Variable Account and
assume no Indebtedness or charges for optional benefits.

The illustrations are based on Kansas City Life's sex distinct rates for
nontobacco users. Upon request, an Owner will be furnished with a
comparable illustration based upon the proposed Insureds' specific
circumstances. Such illustrations may assume different hypothetical
rates of return than those illustrated in the following tables.

<TABLE>
$6,540 ANNUAL PREMIUM
$1,000,000 TOTAL SUM INSURED: $1,000,000 SPECIFIED AMOUNT
COVERAGE OPTION A
USING CURRENT COST CHARGES
Male, Standard Nontobacco, Age 35; Female, Standard Nontobacco, Age 35
<CAPTION>
0% Hypothetical Gross 6% Hypothetical Gross 12% Hypothetical Gross
Investment Return Investment Return Investment Return

End of Premiums Contract Cash Death Contract Cash Death Contract Cash Death
Contract Accumulated Value Surrender Benefit Value Surrender Benefit Value Surrender Benefit
Year at 5% Interest Value Value Value
per Year
<C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

1 6,867 2,429 2,429 1,000,000 2,590 2,590 1,000,000 2,750 2,750 1,000,000
2 14,077 7,069 7,069 1,000,000 7,678 7,678 1,000,000 8,308 8,308 1,000,000
3 21,648 11,631 11,631 1,000,000 12,986 12,986 1,000,000 14,435 14,435 1,000,000
4 29,598 16,116 16,116 1,000,000 18,520 18,520 1,000,000 21,191 21,191 1,000,000
5 37,945 20,522 20,522 1,000,000 24,290 24,290 1,000,000 28,639 28,639 1,000,000
6 46,709 25,579 25,579 1,000,000 31,073 31,073 1,000,000 37,658 37,658 1,000,000
7 55,911 30,544 30,544 1,000,000 38,143 38,143 1,000,000 47,601 47,601 1,000,000
8 65,574 35,418 35,418 1,000,000 45,510 45,510 1,000,000 58,560 58,560 1,000,000
9 75,719 40,200 40,200 1,000,000 53,185 53,185 1,000,000 70,641 70,641 1,000,000
10 86,372 44,887 44,877 1,000,000 61,178 61,178 1,000,000 83,955 83,955 1,000,000
15 148,180 68,062 68,062 1,000,000 107,795 107,795 1,000,000 175,677 175,677 1,000,000
20 227,064 88,404 88,404 1,000,000 164,524 164,524 1,000,000 324,953 324,953 1,000,000
25 327,742 106,259 106,259 1,000,000 234,192 234,192 1,000,000 568,677 568,677 1,438,753
30 456,236 120,769 120,769 1,000,000 319,123 319,123 1,000,000 964,157 964,157 2,044,013

THE HYPOTHETICAL INVESTMENT RATES OF RETURN SHOWN ABOVE AND ELSEWHERE IN THIS
PROSPECTUS ARE ILLUSTRATIVE ONLY AND SHOULD NOT BE DEEMED A REPRESENTATION OF
PAST OR FUTURE INVESTMENT RATES OF RETURN. ACTUAL RATES OF RETURN MAY BE
MORE OR LESS THAN THOSE SHOWN AND WILL DEPEND ON A NUMBER OF FACTORS
INCLUDING THE INVESTMENT ALLOCATIONS MADE BY AN OWNER, PREVAILING RATES AND
RATES OF INFLATION. THE VALUES FOR A CONTRACT WOULD BE DIFFERENT FROM THOSE
SHOWN IF THE ACTUAL RATES OF RETURN AVERAGED 0%, 6% OR 12% OVER A PERIOD OF
YEARS BUT ALSO FLUCTUATED ABOVE OR BELOW THOSE AVERAGES FOR INDIVIDUAL
CONTRACT YEARS. NO REPRESENTATION CAN BE MADE BY KANSAS CITY LIFE OR ANY
FUND THAT THESE HYPOTHETICAL RATES OF RETURN CAN BE ACHIEVED FOR ANY ONE YEAR
OR SUSTAINED OVER ANY PERIOD OF TIME.
</TABLE>
<TABLE>
$6,540 ANNUAL PREMIUM
$1,000,000 TOTAL SUM INSURED: $1,000,000 SPECIFIED AMOUNT
COVERAGE OPTION A
USING GUARANTEED CHARGES
Male, Standard Nontobacco, Age 35; Female, Standard Nontobacco, Age 35
<CAPTION>
0% Hypothetical Gross 6% Hypothetical Gross 12% Hypothetical Gross
Investment Return Investment Return Investment Return

1 6,867 2,422 2,422 1,000,000 2,582 2,582 1,000,000 2,742 2,742 1,000,000
2 14,077 7,041 7,041 1,000,000 7,648 7,648 1,000,000 8,274 8,274 1,000,000
3 21,648 11,571 11,571 1,000,000 12,917 12,917 1,000,000 14,357 14,357 1,000,000
4 29,598 16,010 16,010 1,000,000 18,396 18,396 1,000,000 21,046 21,046 1,000,000
5 37,945 20,360 20,360 1,000,000 24,091 24,091 1,000,000 28,398 28,398 1,000,000
6 46,709 25,345 25,345 1,000,000 30,777 30,777 1,000,000 37,285 37,285 1,000,000
7 55,911 30,226 30,226 1,000,000 37,725 37,725 1,000,000 47,055 47,055 1,000,000
8 65,574 35,003 35,003 1,000,000 44,943 44,943 1,000,000 57,792 57,792 1,000,000
9 75,719 39,674 39,674 1,000,000 52,442 52,442 1,000,000 69,594 69,594 1,000,000
10 86,372 44,239 44,239 1,000,000 60,228 60,228 1,000,000 82,563 82,563 1,000,000
15 148,180 66,611 66,611 1,000,000 105,239 105,239 1,000,000 171,119 171,119 1,000,000
20 227,064 85,531 85,531 1,000,000 158,800 158,800 1,000,000 312,830 312,830 1,000,000
25 327,742 100,017 100,017 1,000,000 221,814 221,814 1,000,000 539,284 539,284 1,364,389
30 456,236 105,542 105,542 1,000,000 292,213 292,213 1,000,000 893,854 893,854 1,894,971

</TABLE>

<TABLE>
$6,540 ANNUAL PREMIUM
$1,000,000 TOTAL SUM INSURED: $1,000,000 SPECIFIED AMOUNT
COVERAGE OPTION B
USING CURRENT CHARGES
Male, Standard Nontobacco, Age 35; Female, Standard Nontobacco, Age 35
<CAPTION>
0% Hypothetical Gross 6% Hypothetical Gross 12% Hypothetical Gross
Investment Return Investment Return Investment Return

1 6,867 2,429 2,429 1,002,429 2,590 2,590 1,002,590 2,750 2,750 1,002,750
2 14,077 7,069 7,069 1,007,069 7,678 7,678 1,007,678 8,307 8,307 1,008,307
3 21,648 11,631 11,631 1,011,631 12,985 12,985 1,012,985 14,434 14,434 1,014,434
4 29,598 16,115 16,115 1,016,115 18,519 18,519 1,018,519 21,190 21,190 1,021,190
5 37,945 20,521 20,521 1,020,521 24,288 24,288 1,024,288 28,637 28,637 1,028,637
6 46,709 25,576 25,576 1,025,576 31,070 31,070 1,031,070 37,654 37,654 1,037,654
7 55,911 30,540 30,540 1,030,540 38,137 38,137 1,038,137 47,594 47,594 1,047,594
8 65,574 35,412 35,412 1,035,412 45,501 45,501 1,045,501 58,549 58,549 1,058,549
9 75,719 40,190 40,190 1,040,190 53,171 53,171 1,053,171 70,621 70,621 1,070,621
10 86,372 44,871 44,871 1,044,871 61,157 61,157 1,061,157 83,924 83,924 1,083,924
15 148,180 67,984 67,984 1,067,984 107,663 107,663 1,107,663 175,448 175,448 1,175,448
20 227,064 88,143 88,143 1,088,143 163,993 163,993 1,163,993 323,838 323,838 1,323,838
25 327,742 105,601 105,601 1,105,601 232,578 232,578 1,232,578 565,515 565,515 1,565,515
30 456,236 119,398 119,398 1,119,398 315,037 315,037 1,315,037 958,501 958,501 2,032,021

THE HYPOTHETICAL INVESTMENT RATES OF RETURN SHOWN ABOVE AND ELSEWHERE IN THIS
PROSPECTUS ARE ILLUSTRATIVE ONLY AND SHOULD NOT BE DEEMED A REPRESENTATION OF
PAST OR FUTURE INVESTMENT RATES OF RETURN. ACTUAL RATES OF RETURN MAY BE
MORE OR LESS THAN THOSE SHOWN AND WILL DEPEND ON A NUMBER OF FACTORS
INCLUDING THE INVESTMENT ALLOCATIONS MADE BY AN OWNER, PREVAILING RATES AND
RATES OF INFLATION. THE VALUES FOR A CONTRACT WOULD BE DIFFERENT FROM THOSE
SHOWN IF THE ACTUAL RATES OF RETURN AVERAGED 0%, 6% OR 12% OVER A PERIOD OF
YEARS BUT ALSO FLUCTUATED ABOVE OR BELOW THOSE AVERAGES FOR INDIVIDUAL
CONTRACT YEARS. NO REPRESENTATION CAN BE MADE BY KANSAS CITY LIFE OR ANY
FUND THAT THESE HYPOTHETICAL RATES OF RETURN CAN BE ACHIEVED FOR ANY ONE YEAR
OR SUSTAINED OVER ANY PERIOD OF TIME.
</TABLE>
<TABLE>
$6,540 ANNUAL PREMIUM
$1,000,000 TOTAL SUM INSURED: $1,000,000 SPECIFIED AMOUNT
COVERAGE OPTION B
USING GUARANTEED CHARGES
Male, Standard Nontobacco, Age 35; Female, Standard Nontobacco, Age 35
<CAPTION>
0% Hypothetical Gross 6% Hypothetical Gross 12% Hypothetical Gross
Investment Return Investment Return Investment Return

1 6,867 2,422 2,422 1,002,422 2,582 2,582 1,002,582 2,742 2,742 1,002,742
2 14,077 7,041 7,041 1,007,041 7,648 7,648 1,007,648 8,274 8,274 1,008,274
3 21,648 11,570 11,570 1,011,570 12,917 12,917 1,012,917 14,357 14,357 1,014,357
4 29,598 16,009 16,009 1,016,009 18,395 18,395 1,018,395 21,045 21,045 1,021,045
5 37,945 20,358 20,358 1,020,358 24,090 24,090 1,024,090 28,396 28,396 1,028,396
6 46,709 25,343 25,343 1,025,343 30,774 30,774 1,030,774 37,281 37,281 1,037,281
7 55,911 30,222 30,222 1,030,222 37,719 37,719 1,037,719 47,047 47,047 1,047,047
8 65,574 34,996 34,996 1,034,996 44,934 44,934 1,044,934 57,780 57,780 1,057,780
9 75,719 39,663 39,663 1,039,663 52,427 52,427 1,052,427 69,573 69,573 1,069,573
10 86,372 44,223 44,223 1,044,223 60,205 60,205 1,060,205 82,530 82,530 1,082,530
15 148,180 66,528 66,528 1,066,528 105,099 105,099 1,105,099 170,880 170,880 1,170,880
20 227,064 85,231 85,231 1,085,231 158,196 158,196 1,158,196 311,568 311,568 1,311,568
25 327,742 99,099 99,099 1,099,099 219,600 219,600 1,219,600 534,921 534,921 1,534,921
30 456,236 103,059 103,059 1,103,059 284,906 284,906 1,284,906 884,765 884,765 1,884,765
</TABLE>

OTHER CONTRACT BENEFITS AND PROVISIONS

Limits on Rights to Contest the Contract

Incontestability. After the Contract has been in force during the
Insureds' lifetime for two years from the Contract Date (or less if required by
state law), Kansas City Life may not contest the Contract, except if the
Contract lapses after the end of a grace period.

Any increase in the Additional Insurance Amount will not be contested after the
increase has been in force during the Insureds' lifetimes for two years
following the effective date of the increase (or less if required by state law).

If a Contract lapses and it is reinstated, we cannot contest the reinstated
Contract after the Contract has been in force during the Insureds' lifetimes for
two years from the date of the reinstatement application (or less if required by
state law).

Suicide Exclusion. If either Insured dies by suicide, while sane or
insane, within two years of the Contract Date (or less if required by state
law), the Contract will terminate on the date of such suicide and the amount
payable by Kansas City Life (in place of all other benefits, if any) will be
equal to the Contract Value less any Indebtedness.

If either Insured dies by suicide, while sane or insane, within two years after
the effective date of any increase in the Additional Insurance Amount (or less
if required by state law), the amount of the Additional Insurance Amount
associated with the increase will terminate and the amount payable by Kansas
City Life associated with such increase will be limited to the cost of insurance
charges associated with the increase.

Changes in the Contract or Benefits

Misstatement of Age or Sex. If, while the Contract is in force and
either or both the Insureds are alive, it is determined that the Age or sex of
either Insured as stated in the Contract is not correct, Kansas City Life will
adjust the Contract Value under the Contract. The adjustment to the Contract
Value will be the difference between the following amounts accumulated at 4%
interest annually. The two amounts are: (1) the cost of insurance deductions
that have been made; and (2) the cost of insurance deductions that should have
been made.
If, after the death of the last surviving Insured while this Contract is in
force, it is determined the Age or sex of either Insured as stated in the
Contract is not correct, the Death Benefit will be the net amount at risk that
the most recent cost of insurance deductions at the correct Age and sex would
have provided plus the Contract Value on the date of death (unless otherwise
required by state law).

Other Changes. Upon notice, Kansas City Life may modify the Contract,
but only if such modification is necessary to: (1) make the Contract or the
Variable Account comply with any applicable law or regulation issued by a
governmental agency to which Kansas City Life is subject; (2) assure continued
qualification of the Contract under the Internal Revenue Code or other federal
or state laws relating to variable life contracts; (3) reflect a change in the
operation of the Variable Account; or (4) provide additional Variable Account
and/or fixed accumulation options. Kansas City Life reserves the right to
modify the Contract as necessary to attempt to prevent the Contract Owner from
being considered the owner of the assets of the Variable Account. In the event
of any such modification, Kansas City Life will issue an appropriate endorsement
to the Contract, if required. Kansas City Life will exercise these rights in
accordance with applicable law, including approval of
Contract Owners if required.

When Proceeds Are Paid

Kansas City Life will ordinarily pay any Death Benefit proceeds, loan proceeds,
partial surrender proceeds, or full surrender proceeds within seven calendar
days after receipt at the Home Office of all the documents required
for such a payment.

Under certain circumstances and in accordance with established administrative
procedures, we will pay Death Benefit proceeds through Kansas City Life's
Personal Growth Account, an interest bearing account. Proceeds paid through the
Personal Growth Account are placed in our general account. Check-writing
privileges are provided in the Personal Growth Account under which the bank that
pays the check will be reimbursed by Kansas City Life out of the proceeds held
in our general account. The Personal Growth Account is not a bank account and
is not insured nor guaranteed by the FDIC or any other government agency. A
Contract Owner or beneficiary (whichever applicable) will have immediate access
to the proceeds by writing a check on the account. We pay interest from the
date of death to the date the Personal Growth Account is closed.

Other than the Death Benefit, which is determined as of the date of death, the
amount of a Contract transaction will be determined as of the date of receipt of
required documents. However, Kansas City Life may delay making a payment or
processing a transfer request if (1) the New York Stock Exchange is closed for
other than a regular holiday or weekend, trading is restricted by the SEC, or
the SEC declares that an emergency exists as a result of which the disposal or
valuation of Variable Account assets is not reasonably practicable; or (2) the
SEC by order permits postponement of payment to protect Kansas City Life's
Contract Owners.

Reports to Contract Owners

At least once each Contract Year, you will be sent a report at your last known
address showing, as of the end of the current report period providing updated
information about the Contract since the last report, including any
information required by law. You will also be sent an annual and a semi-annual
report for each Fund or Portfolio underlying a Subaccount to which you have
allocated Contract Value, including a list of the securities held in each Fund,
as required by the 1940 Act. In addition, when you pay premium payments , or if
you take out a loan, transfer amounts among the Variable Accounts and Fixed
Account or take surrenders, you will receive a written confirmation of these
transactions.

Assignment

The Contract may be assigned in accordance with its terms. In order for any
assignment to be binding on Kansas City Life, it must be in writing and filed at
the Home Office. Once Kansas City Life has received a signed copy of the
assignment, the Owner's rights and the interest of any Beneficiary (or any other
person) will be subject to the assignment. Kansas City Life assumes no
responsibility for the validity or sufficiency of any assignment. An assignment
is subject to any Indebtedness.

Reinstatement of Contract

The Contract may be reinstated within two years (or such longer period if
required by state law) after lapse, subject to compliance with certain
conditions, including the payment of the necessary premium and submission
of satisfactory evidence of insurability. See your Contract for further
information.

Optional Riders

The following optional riders are available and may be added to your Contract.
Monthly charges for these optional riders will be deducted from your Contract
Value as part of the Monthly Deduction. All of these riders
may not be available in all states.

Contract Split Option Rider
Issue Ages: 20-75
This rider allows you to split the Contract equally into two individual
policies, one on the life of each Insured. This split option will be
offered without evidence of insurability under the conditions that the
request is made as the result of either (1) the divorce of the two
Insureds; or (2) as a result of a change in the Unlimited Federal Estate
Tax marital deduction or a reduction in the maximum Federal Estate Tax
bracket rate to a rate below 25%. Specific other conditions must also
be met in order to qualify. When this option is exercised, the existing
Contract will be terminated.

The new contracts will be based on the Insureds' Age, sex, and based on
the risk class at the time of issue of the original Contract.

This rider will terminate at the older Insured's age 80. The rider will
also terminate if you elect to keep the Guaranteed Minimum Death Benefit
Option in effect after it is determined that funding is not adequate to
cover these rider charges. See "Guaranteed Minimum Death Benefit
Option," page 31.

Joint First to Die Term Life Insurance Rider
Issue Ages: 20-85
This rider covers the Insureds under the Contract and provides yearly
renewable term coverage on the first Insured to die on or before the
older Insured's age 100 and while this rider is in force. The coverage
under this rider may be increased (subject to insurability) or
decreased. You may also choose at issue a schedule for the coverage to
decrease annually. The scheduled decreases may be based on the
percentage of the coverage amount or may be a flat dollar amount. If
this rider is elected, the Guaranteed Minimum Death Benefit Option is
not available on the Contract.

Joint Survivorship Four-Year Term Life Insurance Rider
Issue Ages: 20-85
This rider provides four-year level term insurance and expires four
years after the effective date of the rider. The term insurance
provides a death benefit payable at the death of the last surviving
Insured. The minimum coverage is $100,000 and the maximum coverage is
equal to the Total Sum Insured. This rider is available at issue only.

The rider will also terminate if you elect to keep the Guaranteed
Minimum Death Benefit Option in effect after it is determined that
funding is not adequate to cover these rider charges. See "Guaranteed
Minimum Death Benefit Option," page 31.

Additional rules and limits apply to these optional riders. Not all such
benefits may be available at any time, and optional benefits or riders in
addition to those listed above may be made available. Please ask your Kansas
City Life agent for further information, or contact the Home Office.

TAX CONSIDERATIONS

The following summary provides a general description of the Federal income tax
considerations associated with the Contract and does not purport to be complete
or to cover all situations. This discussion is not intended as
tax advice. Counsel or other competent tax advisers should be consulted for
more complete information. This discussion is based upon Kansas City Life's
understanding of the present Federal income tax laws as they are
currently interpreted by the Internal Revenue Service (the "Service"). No
representation is made as to the likelihood of continuation of the present
Federal income tax laws or of the current interpretations by the
Service.

Tax Status of the Contract

Section 7702 of the Internal Revenue Code of 1986, as amended (the "Code") sets
forth a definition of a life insurance contract for Federal income tax purposes.
Although the Secretary of the Treasury (the "Treasury") is authorized to
prescribe regulations implementing Section 7702, while proposed regulations and
other interim guidance has been issued, final regulations have not been adopted.
In short, guidance as to how Section 7702 is to be applied is limited. If a
Contract were determined not to be a life insurance contract for purposes of
Section 7702, such Contract would not provide the tax advantages normally
provided by a life insurance contract.

With respect to a Contract issued on a standard basis, Kansas City Life believes
that such a Contract should meet the Section 7702 definition of a life insurance
contract. With respect to a Contract that is issued on a substandard basis
(i.e., a premium class with extra rating involving higher than standard
mortality risk), there is less guidance, in particular as to how the mortality
and other expense requirements of Section 7702 are to be applied in determining
whether such a Contract meets the Section 7702 definition of a life insurance
contract. Thus, it is not clear whether or not a Contract issued on a
substandard basis would satisfy Section 7702, particularly if the owner pays the
full amount of premiums permitted under the Contract.

If it is subsequently determined that a Contract does not satisfy Section 7702,
Kansas City Life may take whatever steps are appropriate and reasonable to
attempt to cause such a Contract to comply with Section 7702. For these
reasons, Kansas City Life reserves the right to restrict Contract transactions
as necessary to attempt to qualify it as a life insurance contract under Section
7702.

Section 817(h) of the Code requires that the investments of each of the
Subaccounts must be "adequately diversified" in accordance with Treasury
regulations in order for the Contract to qualify as a life insurance
contract under Section 7702 of the Code (discussed above). The Subaccounts,
through the Portfolios, intend to comply with the diversification requirements
prescribed in Treas. Reg. 1.817-5, which affect how the Portfolio's assets are
to be invested. Kansas City Life believes that the Subaccounts will, thus, meet
the diversification requirements, and Kansas City Life will monitor continued
compliance with this requirement.

In certain circumstances, owners of variable life insurance contracts may be
considered the owners, for federal income tax purposes, of the assets of the
subaccounts used to support their contracts. In those circumstances,
income and gains from the subaccount assets would be includible in the variable
contract owner's gross income. The IRS has stated in published rulings that a
variable contract owner will be considered the owner of subaccount assets if the
contract owner possesses incidents of ownership in those assets, such as the
ability to exercise investment control over the assets. The Treasury Department
has also announced, in connection with the issuance of regulations concerning
diversification, that those regulations "do not provide guidance concerning the
circumstances in which investor control of the investments of a segregated asset
account may cause the investor (i.e., the Contract Owner), rather than the
insurance company, to be treated as the owner of the assets in the account."
This announcement also stated that guidance would be issued by way of
regulations or rulings on the "extent to which Contract holders may direct their
investments to particular subaccounts without being treated as owners of the
underlying assets."

The ownership rights under the Contract are similar to, but different in certain
respects from, those described by the IRS in rulings in which it was determined
that Contract owners were not owners of subaccount assets. For example, an
Owner has additional flexibility in allocating Net Premium payments and Contract
Value. These differences could result in an Owner being treated as the owner of
a pro rata portion of the assets of the Subaccounts. In addition, Kansas City
Life does not know what standards will be set forth, if any, in the
regulations or rulings which the Treasury Department has stated it expects to
issue. Kansas City Life therefore reserves the right to modify the Contract as
necessary to attempt to prevent an Owner from being considered the Owner of a
pro rata share of the assets of the Subaccounts.

The following discussion assumes that the Contract will qualify as a life
insurance contract for Federal income tax purposes.

Tax Treatment of Contract Benefits

In General. Kansas City Life believes that the proceeds and Contract
Value increases of a Contract should be treated in a manner consistent with a
fixed-benefit life insurance Contract for Federal income tax purposes.
Thus, the Death Benefit under the Contract should be excludable from the gross
income of the beneficiary under Section 101(a)(1) of the Code.

Depending on the circumstances, the exchange of a Contract, a change in the
Contract's Coverage Option, a Contract loan, a partial surrender, a surrender, a
change in ownership, or an assignment of the Contract may have Federal income
tax consequences. In addition, federal, state and local transfer, and other tax
consequences of ownership or receipt of Contract proceeds depends on the
circumstances of each Owner or beneficiary.

The Contract may also be used in various arrangements, including nonqualified
deferred compensation or salary continuance plans, split dollar insurance plans,
executive bonus plans, retiree medical benefit plans and others. The tax
consequences of such plans may vary depending on the particular facts and
circumstances of each individual arrangement. Therefore, if you are
contemplating the use of a Contract in any arrangement the value of which
depends in part on its tax consequences, you should be sure to consult a
qualified tax adviser regarding the tax attributes of the particular
arrangement.

Generally, the Owner will not be deemed to be in constructive receipt of the
Contract Value, including increments thereof, until there is a distribution.
The tax consequences of distributions from, and loans taken from or secured by,
a Contract depend on whether the Contract is classified as a "Modified Endowment
Contract." Whether a Contract is or is not a Modified Endowment Contract, upon
a complete surrender or lapse of a Contract, if the amount received plus the
amount of Indebtedness exceeds the total investment in the Contract, the excess
will generally be treated as ordinary income subject to tax.

Modified Endowment Contracts. Section 7702A establishes a class of life
insurance contracts designated as "Modified Endowment Contracts." The rules
relating to whether a Contract will be treated as a Modified Endowment Contract
are extremely complex and cannot be adequately described in the limited confines
of this summary. In general, a Contract will be a Modified Endowment Contract
if the accumulated premiums paid at any time during the first seven Contract
Years exceed the sum of the net level premiums which would have been paid on or
before such time if the Contract provided for paid-up future benefits after the
payment of seven level annual premiums. A Contract may also become a Modified
Endowment Contract after a material change. The determination of whether a
Contract will be a Modified Endowment Contract after a material change generally
depends upon the relationship of the Death Benefit and Contract Value at the
time of such change and the additional premiums paid in the seven years
following the material change.

Due to the Contract's flexibility, classification as a Modified Endowment
Contract will depend on the individual circumstances of each Contract. In view
of the foregoing, a current or prospective Owner should consult with a
tax adviser to determine whether a Contract transaction will cause the Contract
to be treated as a Modified Endowment Contract. However, at the time a premium
is credited which in Kansas City Life's view would cause the Contract to become
a Modified Endowment Contract, Kansas City Life will notify the Owner that
unless a refund of the excess premium (with any appropriate interest) is
requested by the Owner, the Contract will become a Modified Endowment Contract.
The Owner will have 30 days after receiving such notification to
request the refund.

Distributions from Contracts Classified as Modified Endowment Contracts.
Contracts classified as Modified Endowment Contracts will be subject to the
following tax rules: First, all distributions, including distributions upon
surrender and partial surrender from such a Contract are treated as ordinary
income subject to tax up to the amount equal to the excess (if any) of the
Contract Value immediately before the distribution over the investment in the
Contract (described below) at such time. Second, loans taken from or secured by
such a Contract, are treated as distributions from the Contract and taxed
ccordingly. Past due loan interest that is added to the loan amount will be
treated as a loan. Third, a 10 percent additional income tax is imposed on
the portion of any distribution from, or loan taken from or secured by, such a
Contract that is included in income except where the distribution or loan is
made on or after the Owner attains age 59 1/2, is attributable to the Owner's
becoming disabled, or is part of a series of substantially equal periodic
payments for the life (or life expectancy) of the Owner or the joint lives (or
joint life expectancies) of the Owner and the Owner's beneficiary.

If a Contract becomes a modified endowment contract after it is issued,
distributions made during the Contract Year in which it becomes a modified
endowment contract, distributions in any subsequent Contract Year and
distributions within two years before the Contract becomes a modified endowment
contract will be subject to the tax treatment described above. This means that
a distribution from a Contract that is not a modified endowment contract could
later become taxable as a distribution from a modified endowment contract.

Distributions From Contracts Not Classified as Modified Endowment
Contracts. Distributions from a Contract that is not a Modified Endowment
Contract are generally treated as first, recovering the investment in
the Contract (described below) and then, only after the return of all such
investment in the Contract, as distributing taxable income. An exception to
this general rule occurs in the case of a decrease in the Contract's
Death Benefit or any other change that reduces benefits under the Contract in
the first 15 years after the Contract is issued and that results in a cash
distribution to the Owner in order for the Contract to continue complying with
the Section 7702 definitional limits. Such a cash distribution will be taxed in
whole or in part as ordinary income (to the extent of any gain in the Contract)
under rules prescribed in Section 7702.

Loans from, or secured by, a Contract that is not a Modified Endowment Contract
are not treated as distributions. Instead, such loans are treated as
Indebtedness of the Owner. A preferred loan may not, however,
be treated as Indebtedness; instead it may be treated as a distribution.

Finally, neither distributions (including distributions upon surrender) nor
loans from, or secured by, a Contract that is not a Modified Endowment Contract
are subject to the 10 percent additional income tax rule.

Contract Loan Interest. Interest paid on a loan under a Contract
generally is not deductible. A qualified tax adviser should be consulted before
deducting any Contract loan interest.

Investment in the Contract. Investment in the Contract means: (i) the
aggregate amount of any premiums or other consideration paid for a Contract,
minus (ii) the aggregate amount received under the Contract which is
excluded from gross income of the Owner (except that the amount of any loan
from, or secured by, a Contract that is a Modified Endowment Contract, to the
extent such amount is excluded from gross income, will be disregarded), plus
(iii) the amount of any loan from, or secured by, a Contract that is a Modified
Endowment Contract to the extent that such amount is included in the gross
income of the owner.

Multiple Contracts. All Modified Endowment Contracts that are issued by
Kansas City Life (or its affiliates) to the same Owner during any calendar year
are treated as one Modified Endowment Contract for purposes of determining the
amount includible in an Owner's gross income under Section 72(e) of the Code.

Continuation of Contract Beyond Younger Insured's 100th Birthday. If a
Contract continues in force beyond the 100th birthday of the younger Insured the
tax consequences are uncertain. In the event it appears that this might occur a
qualified tax adviser should be consulted.

Possible Charge for Kansas City Life's Taxes

At the present time, Kansas City Life only makes a charge for the Federal DAC
tax and for state and local premium taxes. Kansas City Life, however, reserves
the right in the future to make additional charges for any additional Federal,
state or local taxes or other economic burden resulting from the application of
the tax laws that it determines to be properly attributable to the Subaccounts
or to the Contracts.

OTHER INFORMATION ABOUT THE CONTRACTS AND KANSAS CITY LIFE

Sale of the Contracts

The Contracts will be offered to the public on a continuous basis, and we do not
anticipate discontinuing the offering of the Contracts. However, we reserve the
right to discontinue the offering. Applications for Contracts are solicited by
agents who are licensed by applicable state insurance authorities to sell our
variable life contracts and who are also registered representatives of Sunset
Financial Services, Inc. ("Sunset Financial"), one of our wholly-owned
subsidiaries, or of broker-dealers who have entered into written sales
agreements with Sunset Financial. Sunset Financial is registered with the SEC
under the Securities Exchange Act of 1934 as a broker- dealer and is a member of
the National Association of Securities Dealers, Inc.

Sunset Financial acts as the Principal Underwriter, as defined in the 1940 Act,
of the Contracts for the Variable Account pursuant to an Underwriting Agreement
between Kansas City Life and Sunset Financial. Sunset Financial is not
obligated to sell any specific number of Contracts. Sunset Financial's
principal business address is P.O. Box 419365, Kansas City, Missouri 64141-6365.

Registered representatives may be paid commissions on a Contract they sell based
on premiums paid in amounts up to 50% of premiums paid during the first Contract
Year and up to 3% of premiums paid after the first Contract Year. Additional
commissions may be paid in certain circumstances. Other allowances and
overrides also may be paid.

When Contracts are sold through other broker-dealers that have entered into
selling agreements with us, the commission which will be paid by such broker-
dealers to their representatives will be in accordance with their established
rules. The commission rates may be more or less than those set forth above for
Kansas City Life's representatives. In addition, their qualified registered
representatives may be reimbursed by the broker-dealers under expense
reimbursement allowance programs in any year for approved voucherable expenses
incurred. We will compensate the broker-dealers as provided in the selling
agreements, and Sunset Financial Services, Inc. will reimburse Kansas City Life
for such amounts and for certain other direct expenses in connection with
marketing the Contracts through other broker-dealers.

Telephone Transfer, Premium Allocation and Loan Privileges

A transfer of Contract Value, change in premium allocation or Contract loan may
be made by telephone provided the appropriate election has been made at the time
of application or proper authorization has been provided to us. We reserve the
right to suspend telephone transfer and loan privileges at any time, for any
reason, if we deem such suspension to be in the best interests of Contract
Owners.

We will employ reasonable procedures to confirm that instructions communicated
by telephone are genuine, and if we follow those procedures we will not be
liable for any losses due to unauthorized or fraudulent instructions. We may be
liable for such losses if we do not follow those reasonable procedures. The
procedures we will follow for telephone transfers and loans include requiring
some form of personal identification prior to acting on instructions received by
telephone, providing written confirmation of the transaction, and making a tape
recording of the instructions given by telephone.

Kansas City Life Directors and Executive Officers

The following table sets forth the name, address and principal occupations
during the past five years of each of Kansas City Life's directors and executive
officers.

Name and Principal
Business Address * Principal Occupation During Past Five Years

Joseph R. Bixby Director, Kansas City Life; Chairman of the
Board since 1972; President from 1964 until
he retired in April, 1990; responsible for
overall corporate policy. Director of
Sunset Life, a subsidiary of Kansas City
Life.

Walter E. Bixby Director, Kansas City Life; Vice Chairman of
the Board since 1974; elected Executive Vice
President in January, 1987 and President and
CEO in April, 1990; primarily responsible
for the operation of the Company. Chairman
of the Board of Sunset Life and Chairman of
the Board of Old American Insurance Company,
subsidiaries of Kansas City Life.

R. Philip Bixby Director, Kansas City Life; Elected
Assistant Secretary in 1979; Assistant Vice
President in 1982, Vice President in 1984
and Senior Vice President, Operations in
1990; Executive Vice President in 1996.

W. E. Bixby, III Director, Kansas City Life; Director and
President of Old American Insurance
Company, a subsidiary of Kansas City Life.

Charles R. Duffy Jr. Elected Vice President, Insurance
Administration in November, 1989; Senior
Account Executive, Cybertek Corporation,
January, 1989 to November, 1989; Senior Vice
President, Operations in 1996; responsible
for Computer Information Systems, Customer
Services and Claims. Director of Sunset
Life and Old American, subsidiaries of
Kansas City Life.

Richard L. Finn Director, Kansas City Life; Elected Vice
President in 1976; Financial Vice President
in 1983 and Senior Vice President, Finance,
in 1984; Chief Financial Officer and
responsible for investment of Kansas City
Life's funds, accounting and taxes.
Director, Vice President and Chief Financial
Officer of Old American, and Director of
Sunset Life subsidiaries of Kansas City
Life.

Jack D. Hayes Director, Kansas City Life; Elected Senior
Vice President, Marketing in February, 1994,
responsible for Marketing, Marketing
Administration, Communications and Public
Relations. Served as Executive Vice
President and Chief Marketing Officer of
Fidelity Union Life, Dallas, Texas, from
June, 1981 to January, 1994.

Francis P. Lemery Director, Kansas City Life; Elected Vice
President in 1979; Vice President and
Actuary in 1980, and Senior Vice President
and Actuary in 1984; responsible for Group
Insurance Department, Actuarial, State
Compliance and New Business Issue and
Underwriting. Director of Sunset Life and
Old American, subsidiaries of Kansas City
Life.

C. John Malacarne Director, Kansas City Life; Elected
Associate General Counsel in 1976; General
Counsel in 1980; Vice President and General
Counsel in 1981; and Vice President, General
Counsel and Secretary in 1991. Responsible
for Legal Department, Office of the
Secretary and Stock Transfer Department.
Director and Secretary of Sunset Life and
Director and Secretary of Old American,
subsidiaries of Kansas City Life.

Robert C. Miller Elected Assistant Auditor in 1972; Auditor
in 1973; Vice President and Auditor in 1987,
and Senior Vice President, Administrative
Services, in 1991. Responsible for Human
Resources and Home Office building and
maintenance.

Webb R. Gilmore Director, Kansas City Life since 1990;
Partner -Gilmore and Bell.

Nancy Bixby Hudson Director, Kansas City Life since 1996;
Investor.

Warren J. Hunzicker, M.D. Director, Kansas City Life since 1989.

Daryl D. Jensen Director, Kansas City Life; Elected Vice
Chairman of the Board and President, Sunset
Life Insurance Company of America, a
subsidiary of Kansas City Life, in 1975.

Michael J. Ross Director, Kansas City Life since 1972;
President and Chairman of the Board,
Jefferson Bank and Trust Company, St. Louis,
Missouri, since 1971.

Elizabeth T. Solberg Director, Kansas City Life since 1997;
Executive Vice President and Senior Partner,
Fleischman-Hilliard, Inc.

Larry Winn Jr. Director, Kansas City Life since 1985;
Retired as the Kansas Third District
Representative to the U.S. Congress.

John K. Koetting Elected Assistant Controller in 1975 and
Vice President and Controller in 1980; chief
accounting officer; responsible for all
corporate accounting reports. Director of
Old American Insurance Company, a subsidiary
of Kansas City Life.

* The principal business address of all the persons listed above is
3520 Broadway, Kansas City, Missouri 64111.

State Regulation

Kansas City Life is subject to regulation by the Department of Insurance of the
State of Missouri, which periodically examines the financial condition and
operations of Kansas City Life. Kansas City Life is also subject to the
insurance laws and regulations of all jurisdictions where it does business. The
Contract described in this prospectus has been filed with and, where required,
approved by, insurance officials in those jurisdictions where it is sold.

Kansas City Life is required to submit annual statements of operations,
including financial statements, to the insurance departments of the various
jurisdictions where it does business to determine solvency and compliance
with applicable insurance laws and regulations.

Additional Information

A registration statement under the Securities Act of 1933 has been filed with
the SEC relating to the offering described in this prospectus. This prospectus
does not include all the information set forth in the registration statement.
The omitted information may be obtained at the SEC's principal office in
Washington, D.C. by paying the SEC's prescribed fees.

Experts

The consolidated financial statements of Kansas City Life at December 31, 1996
and 1995 and for each of the three years in the period ended December 31, 1996,
appearing herein have been audited by Ernst & Young LLP, independent auditors,
as set forth in their report thereon appearing elsewhere herein, and are
included herein in reliance upon such report given upon the authority of such
firm as experts in accounting and auditing.

Actuarial matters included in this prospectus have been examined by Mark A.
Milton, Vice President and Associate Actuary of Kansas City Life.

Litigation

The Variable Account is not a party to any litigation. Its depositor, Kansas
City Life, as an insurance company, is involved in litigation in the ordinary
course of business. Kansas City Life is of the opinion that such litigation
is not material to the Contract Owners of the Variable Account.

Legal Matters
Sutherland, Asbill & Brennan LLP of Washington, D.C. has provided advice on
certain matters relating to the federal securities laws. Matters relating to
the federal securities laws and matters of Missouri law pertaining to
the Contracts, including Kansas City Life's right to issue the Contracts and its
qualification to do so under applicable laws and regulations issued thereunder,
have been passed upon by C. John Malacarne, General Counsel of Kansas City
Life.

Company Holidays
We are closed on the following holidays: New Year's Day, President's Day,
Memorial Day, Independence Day, Labor Day, Thanksgiving Day and Christmas Day.
Additional holidays in 1997 will be September 26 and November 28. Holidays that
fall on a Saturday will be recognized on the previous Friday. Holidays that
fall on a Sunday will be recognized on the following Monday.

Financial Statements

Kansas City Life's audited consolidated balance sheets as of December 31, 1996
and 1995, and the related consolidated statements of income, stockholders'
equity, and cash flows for each of the three years in the period ended December
31, 1996 appearing herein, as well as the unaudited financial statements for the
quarter ended March 31, 1997 appearing herein, should be considered only as
bearing upon Kansas City Life's ability to meet its obligations under the
Contracts. They should not be considered as bearing on the investment
performance of the assets held in the Account. No financial statements of the
Variable Account are included herein, because, as of the date of this
Prospectus, the Subaccounts of the Variable Account that have been established
to serve as investment options under the Contracts had no assets and had
incurred no liabilities.

<TABLE>

Consolidated Income Statement
<CAPTION>
1996 1995 1994
<S> <C> <C> <C>

REVENUES
Insurance revenues:
Premiums:
Life insurance $103,263 101,341 103,324
Accident and health 37,575 29,475 30,896
Contract charges 78,755 74,642 69,607
Investment revenues:
Investment income, net 186,743 188,087 173,388
Realized investment gains, net 3,013 4,950 6,060
Other 12,662 10,290 10,179

TOTAL REVENUES 422,011 408,785 393,454

BENEFITS AND EXPENSES
Policy benefits:
Death benefits 87,940 85,388 79,829
Surrenders of life insurance 15,488 16,345 16,490
Other benefits 65,437 53,441 54,146
Increase in benefit and contract reserves 85,614 89,139 83,158
Amortization of policy acquisition costs 30,086 27,992 29,370
Insurance operating expenses 78,121 76,557 73,487

TOTAL BENEFITS AND EXPENSES 362,686 348,862 336,480

Income before Federal income taxes 59,325 59,923 56,974

Federal income taxes:
Current 26,073 22,038 22,845
Deferred (9,063) (3,853) (4,729)

17,010 18,185 18,116

Income before nonrecurring item 42,315 41,738 38,858
Postemployment benefits, net - - 1,481

NET INCOME $ 42,315 41,738 37,377

PER COMMON SHARE
Income before nonrecurring item $6.84 6.76 6.32
Postemployment benefits, net - - .24

NET INCOME $6.84 6.76 6.08

</TABLE>
See accompanying Notes to Consolidated Financial Statements.
<TABLE>

Consolidated Balance Sheet
<CAPTION>
<S> <C> <C>
1996 1995
ASSETS
Investments:
Fixed maturities:
Available for sale, at fair value
(amortized cost $1,762,091,000;
$1,604,415,000 -1995) $1,759,153 1,647,674
Held to maturity, at amortized cost
(fair value $256,042,000;
$339,911,000 - 1995) 248,433 320,394
Equity securities available for sale,
at fair value (amortized cost
$71,522,000; $62,352,000 -1995) 79,018 70,837
Mortgage loans on real estate, net 246,493 235,213
Real estate, net 43,750 48,542
Real estate joint ventures 28,356 36,103
Policy loans 94,412 94,312
Short-term 19,642 36,898

TOTAL INVESTMENTS 2,519,257 2,489,973

Cash 4,577 9,612
Accrued investment income 41,847 40,923
Receivables, net 6,854 7,228
Property and equipment, net 24,791 27,866
Deferred acquisition costs 207,020 192,476
Value of purchased insurance in force 38,031 39,084
Reinsurance assets 93,328 89,983
Other 5,089 5,359
Separate account assets 13,916 1,264

$2,954,710 2,903,768

LIABILITIES AND STOCKHOLDERS' EQUITY
Future policy benefits:
Life insurance $ 671,204 658,350
Accident and health 30,356 27,379
Accumulated contract values 1,544,714 1,518,968
Policy and contract claims 35,223 31,919
Other policyholders' funds:
Dividend and coupon accumulations 43,141 42,610
Other 60,970 56,206
Income taxes:
Current 3,537 2,796
Deferred 19,748 43,230
Other 69,037 63,919
Separate account liabilities 13,916 1,264

TOTAL LIABILITIES 2,491,846 2,446,641

Stockholders' equity:
Common stock, par value $2.50 per share
Authorized 18,000,000 shares,
issued 9,248,340 shares 23,121 23,121
Paid-in capital 14,761 13,039
Unrealized gains (losses) on securities
available for sale, net 2,963 29,740
Retained earnings 509,748 477,826
Less treasury stock, at cost
(3,058,871 shares; 3,070,435 shares -1995) (87,729) (86,599)

TOTAL STOCKHOLDERS' EQUITY 462,864 457,127

$2,954,710 2,903,768

</TABLE>

See accompanying Notes to Consolidated Financial Statements.
<TABLE>

Consolidated Statement of Stockholders' Equity
<CAPTION>
1996 1995 1994

<S> <C> <C> <C>
COMMON STOCK, beginning and end of year $ 23,121 23,121 23,121

PAID-IN-CAPITAL:
Beginning of year 13,039 11,847 10,597
Excess of proceeds over cost of
treasury stock sold 1,722 1,192 1,250

End of year 14,761 13,039 11,847

UNREALIZED GAINS (LOSSES) ON SECURITIES
AVAILABLE FOR SALE:
Beginning of year 29,740 (51,345) 13,501
Unrealized appreciation on cumulative effect
of accounting change, net - - 14,627
Unrealized appreciation (depreciation)
on securities available for sale, net (26,777) 81,085 (79,473)

End of year 2,963 29,740 (51,345)

RETAINED EARNINGS:
Beginning of year 477,826 446,149 417,381
Net income 42,315 41,738 37,377
Stockholder dividends of $1.68 per share
($1.63 - 1995 and $1.40 - 1994) (10,393) (10,061) (8,609)

End of year 509,748 477,826 446,149

TREASURY STOCK, at cost:
Beginning of year (86,599) (86,077) (85,643)
Cost of 27,876 shares acquired
(17,240 shares - 1995 and
17,329 shares - 1994) (1,501) (829) (771)
Cost of 39,440 shares sold
(32,709 shares - 1995
and 35,890 shares - 1994) 371 307 337

End of year (87,729) (86,599) (86,077)

TOTAL STOCKHOLDERS' EQUITY $462,864 457,127 343,695

</TABLE>

See accompanying Notes to Consolidated Financial Statements.
<TABLE>

Consolidated Statement of Cash Flows
<CAPTION>
1996 1995 1994
<S> <C> <C> <C>

OPERATING ACTIVITIES
Net income $ 42,315 41,738 37,377
Adjustments to reconcile net income to
net cash from operating activities:
Amortization of investment discount, net (4,071) (5,215) (3,882)
Depreciation 4,995 5,265 5,165
Policy acquisition costs capitalized (38,639) (40,388) (43,952)
Amortization of deferred policy
acquisition costs 30,086 27,992 29,370
Realized investment gains (3,013) (4,950) (6,060)
Changes in assets and liabilities:
Future policy benefits 15,831 15,071 15,747
Accumulated contract values 3,183 8,135 8,445
Other policy liabilities 5,294 3,852 414
Income taxes payable and deferred (8,322) (1,595) (4,784)
Postemployment benefits, net - - 1,481
Other, net 5,886 4,318 2,431

NET CASH FROM OPERATING ACTIVITIES 53,545 54,223 41,752

INVESTING ACTIVITIES
Investments called, matured or repaid:
Fixed maturities available for sale 131,545 136,574 203,640
Fixed maturities held to maturity 79,017 63,433 75,060
Equity securities available for sale 8,899 13,727 27,876
Mortgage loans on real estate 53,430 67,722 35,311
Decrease (increase) in
short-term investments, net 17,256 (17,558) 120,142
Other 10,440 4,884 2,469
Investments sold:
Fixed maturities available for sale 140,372 165,563 51,124
Fixed maturities held to maturity - 4,207 -
Equity securities available for sale 963 18,984 3,488
Investments purchased or originated:
Fixed maturities available for sale (431,916)(495,766)(574,667)
Fixed maturities held to maturity - - (21,533)
Equity securities available for sale (18,071) (12,896) (5,566)
Real estate joint ventures (6,439) (8,093) (5,707)
Mortgage loans on real estate (54,161) (31,053) (8,192)
Other (2,150) (1,068) (1,789)
Net additions to property and equipment (527) (2,918) (1,640)

NET CASH USED IN INVESTING ACTIVITIES (71,342) (94,258) (99,984)

FINANCING ACTIVITIES
Proceeds from borrowings 1,650 22,730 891
Repayment of borrowings (1,650) (22,730) (11,446)
Policyowner contract deposits 164,677 179,135 179,411
Withdrawals of policyowner contract deposits (142,114)(127,347)(107,354)
Cash dividends to stockholders (10,393) (10,061) (8,609)
Disposition of treasury stock, net 592 670 816

NET CASH FROM FINANCING ACTIVITIES 12,762 42,397 53,709

Increase (decrease) in cash (5,035) 2,362 (4,523)
Cash at beginning of year 9,612 7,250 11,773

CASH AT END OF YEAR $ 4,577 9,612 7,250
</TABLE>

See accompanying Notes to Consolidated Financial Statements.

Notes to Consolidated Financial Statements
(Amounts in tables are generally stated in thousands, except per share data)

SIGNIFICANT ACCOUNTING POLICIES

Organization
Kansas City Life Insurance Company is a Missouri-domiciled stock life
insurance company which, with its affiliates, is licensed to sell insurance
products in 48 states and the District of Columbia. The Company offers a
diversified portfolio of individual insurance, annuity and group products
distributed through numerous general agencies. In recent years, the Company's
new business activities have been concentrated in interest sensitive products.

Basis of Presentation
The accompanying consolidated financial statements have been prepared on the
basis of generally accepted accounting principles (GAAP) and include the
accounts of Kansas City Life Insurance Company and its subsidiaries.
Significant intercompany transactions have been eliminated in consolidation.
Certain reclassifications have been made to prior year results to conform with
the current year's presentation. GAAP requires management to make certain
estimates and assumptions which affect amounts reported in the financial
statements and accompanying notes. Actual results could differ from these
estimates.

Financial Accounting Standards Board (FASB) Statement No. 121, "Accounting for
the Impairment of Long-Lived Assets and for Long-Lived Assets to Be Disposed
of," was adopted in January 1996, with no impact to the financial statements.

Recognition of Revenues
Traditional life insurance products include whole life insurance, term life
insurance and certain annuities. Premiums for these products are recognized as
revenues when due. Accident and health insurance premiums are recognized as
revenues over the terms of the policies. Universal life-type products include
universal life insurance and flexible annuities. Revenues for these products
are amounts assessed against contract values for cost of insurance, policy
administration and surrenders, as well as amortization of deferred front-end
contract charges.

Future Policy Benefits
For traditional life insurance products, reserves have been computed by a net
level premium method based upon estimates at the time of issue for investment
yields, mortality and withdrawals. These estimates include provisions for
experience less favorable than actually expected. Investment yield
assumptions for new issues are graded and range from 5.75 percent to 7.75
percent. Mortality assumptions are based on standard mortality tables. The
1965-70 Select and Ultimate Basic Table is used for business issued since
1977.

Reserves and claim liabilities for accident and health insurance include
estimated unpaid claims and claims incurred but not reported. For traditional
life and accident and health insurance, benefits and claims are charged to
expense in the period incurred.

Liabilities for universal life-type products represent accumulated contract
values, without reduction for potential surrender charges, and deferred front-
end contract charges which are amortized over the term of the policies.
Benefits and claims are charged to expense in the period incurred net of
related accumulated contract values. Interest on accumulated contract values
is credited to contracts as earned. Crediting rates for universal life
insurance and flexible annuity products ranged from 4 .75 percent to 6.75
percent during 1996 (4.79 percent to 7.00 percent during 1995 and 4.50 percent
to 7.50 percent during 1994).

Withdrawal assumptions for all products are based on corporate experience.

Policy Acquisition Costs
The costs of acquiring new business, principally commissions, certain policy
issue and underwriting expenses and certain variable agency expenses, are
deferred. For traditional life products, deferred acquisition costs are
amortized in proportion to premium revenues over the premium-paying period of
related policies, using assumptions consistent with those used in computing
benefit reserves. Acquisition costs for universal life-type products are
amortized over a period not exceeding 30 years in proportion to estimated
gross profits arising from interest spreads and mortality, expense and
surrender charges expected to be realized over the term of the contracts.

Calls in the securities portfolio resulted in realized gains in 1994 which
increased gross profits above those originally estimated. Calls and realized
gains related to them were negligible in 1995 and 1996. In accordance with
FASB Statement No. 97, these higher than expected gross profits required the
Company to recompute its amortization of deferred acquisition costs
retrospectively to the date the amortization was originally determined. This
increased the amortization of deferred acquisition costs $804,000 in 1994, or
$.08 a share after taxes. This increased amortization was netted against
realized investment gains in the accompanying income statement.

Value of Purchased Insurance in Force
The value of Old American's purchased insurance in force was capitalized and
is being amortized in proportion to projected future gross profits. This asset
was increased $5,030,000 ($5,157,000 - 1995 and $5,310,000 - 1994) for accrual
of interest and reduced $6,082,000 ($6,088,000 - 1995 and $6,636,000 - 1994)
for amortization. A 13 percent interest rate was used. Through 1996, total
accumulated accrual of interest and amortization equal $27,583,000 and
$33,052,000, respectively. The percentage of the asset's current carrying
amount which will be amortized in each of the next five years is 7.3 percent
- - 1997 and 1998, 7.4 percent - 1999, 7.6 percent - 2000 and 7.5 percent -
2001. This percentage was 2.7 percent in 1996.

Investments
Securities held to maturity and short-term investments are stated at cost
adjusted for amortization of premium and accrual of discount. Securities
available for sale are stated at fair value. Unrealized gains and losses on
securities available for sale are reduced by deferred income taxes and related
adjustments in deferred acquisition costs, and are included in a separate
stockholders' equity account.

Mortgage loans are stated at cost adjusted for amortization of premium and
accrual of discount less an allowance for possible losses. Foreclosed real
estate is stated at fair value at the date of foreclosure (cost) or net
realizable value, whichever is lower. Other real estate investments are
carried at depreciated cost. Real estate joint ventures are valued at cost
adjusted for the Company's equity in earnings since acquisition. Policy loans
are carried at cost less payments received. Realized gains and losses on
disposals of investments, determined by the specific identification method,
are included in investment revenues.

Federal Income Taxes
Income taxes have been provided using the liability method. Under that method,
deferred tax assets and liabilities are determined based on the differences
between their financial reporting and their tax bases and are measured using
the enacted tax rates.

Income Per Common Share
Income per common share is based upon the weighted average number of shares
outstanding during the year, 6,188,489 shares (6,173,294 shares - 1995 and
6,152,155 shares - 1994).

Statutory Information and Stockholder Dividends Restriction
The Company's earnings, unassigned surplus (retained earnings) and
stockholders' equity, on the statutory basis used to report to regulatory
authorities, follow.
1996 1995 1994

Net gain from operations for the year $ 27,345 29,307 29,151
Net income for the year 25,574 29,484 28,324
Unassigned surplus at December 31 284,417 268,239 235,226
Stockholders' equity at December 31 234,570 217,801 184,117

Stockholder dividends may not exceed statutory unassigned surplus.
Additionally, under Missouri law, the Company must have the prior approval of
the Missouri Director of Insurance in order to pay a dividend exceeding the
greater of statutory net gain from operations for the preceding year or 10
percent of statutory stockholders' equity at the end of the preceding year.
The maximum payable in 1997 without prior approval is $27,345,000. The Company
believes these statutory limitations impose no practical restrictions on its
dividend payment plans.

The Company is required to deposit a defined amount of assets with state
regulatory authorities. Such assets had an aggregate carrying value of
approximately $36,000,000 in 1996 and $100,000,000 in 1995 and 1994.

INVESTMENTS

Accounting Change
Kansas City Life adopted FASB Statement No. 115, "Accounting for Certain
Investments in Debt and Equity Securities," on January 1, 1994. On that date,
the value of securities available for sale at fair value increased
stockholders' equity $14,627,000, net of related deferred acquisition costs of
$5,068,000 and taxes of $7,876,000. Late in 1995, the FASB issued a special
report, "A Guide to Implementation of Statement 115 on Accounting for Certain
Investments in Debt and Equity Securities." This report provided companies
with an opportunity for a one-time reassessment and reclassification of
securities as of a single measurement date without tainting the held to
maturity debt securities classification. On December 31, 1995, the Company
reclassified securities with an amortized cost of $14,737,000 from held to
maturity to available for sale which increased unrealized gains on securities
by approximately $185,000, net of related deferred acquisition costs and
taxes.

At December 31, 1996, 88 percent of the Company's securities are categorized
as available for sale and are stated at fair value. The resulting adjustment
causes significant volatility in these securities' carrying values which
affects various calculations that are dependent on stockholders' equity, such
as return on equity.

Kansas City Life employs no derivative financial instruments.
<TABLE>
Investment Revenues
Major categories of investment revenues are summarized as follows.
<CAPTION>

1996 1995 1994
<S> <C> <C> <C>

Investment income:
Fixed maturities $150,421 144,242 127,806
Equity securities 5,503 6,259 7,563
Mortgage loans 23,127 31,378 29,118
Real estate 13,237 12,342 11,732
Policy loans 6,372 6,174 6,295
Short-term 2,353 2,753 4,437
Other 2,222 2,533 2,433
203,235 205,681 189,384
Less investment expenses (16,492) (17,594) (15,996)

$186,743 188,087 173,388

Realized gains (losses):
Fixed maturities $ (1,862) (1,718) 1,995
Equity securities 961 4,634 4,568
Mortgage loans 2,000 (108) -
Real estate 1,894 2,172 300
Other 20 (30) 1
Deferred acquisition cost amortization for
realized investment gains - - (804)

$ 3,013 4,950 6,060
</TABLE>
<TABLE>
Unrealized Gains and Losses
Unrealized gains (losses) on the Company's securities follow.
<CAPTION>

1996 1995 1994
<S> <C> <C> <C>

Available for sale:
End of year $ 4,558 51,744 (86,601)
Deferred income taxes (1,595) (16,013) 27,661
Effect on deferred acquisition costs - (5,991) 7,595

$ 2,963 29,740 (51,345)
Increase (decrease) in net unrealized gains
during the year:
Fixed maturities $(26,216) 78,876 (55,150)
Equity securities (561) 2,209 (9,696)

$(26,777) 81,085 (64,846)

Held to maturity:
End of year $ 7,609 19,517 2,850

Increase (decrease) in net unrealized gains
during the year $(11,908) 16,667 (65,820)

</TABLE>
<TABLE>
Securities
The amortized cost and fair value of investments in securities at December 31,
1996, follow.
<CAPTION>
Gross
Amortized Unrealized Fair
Cost Gains Losses Value
<S> <C> <C> <C> <C>

Available for sale:
U.S. government bonds $ 144,299 1,633 518 145,414
Public utility bonds 254,875 2,755 3,631 253,999
Corporate bonds 981,157 10,122 17,161 974,118
Mortgage-backed bonds 253,810 6,473 1,532 258,751
Other bonds 114,539 850 2,238 113,151
Redeemable preferred stocks 13,411 419 110 13,720

Total fixed maturities 1,762,091 22,252 25,190 1,759,153

Equity securities 71,522 8,340 844 79,018

$1,833,613 30,592 26,034 1,838,171

Held to maturity:
Public utility bonds $ 138,592 5,619 306 143,905
Corporate bonds 104,713 3,387 1,416 106,684
Other bonds 5,128 325 - 5,453

248,433 9,331 1,722 256,042

$2,082,046 39,923 27,756 2,094,213

</TABLE>
The amortized cost and fair value of investments in securities at December 31,
1995, follow.
<TABLE>
<CAPTION>
Gross
Amortized Unrealized Fair
Cost Gains Losses Value

Available for sale:
U.S. government bonds $ 138,372 3,479 253 141,599
Public utility bonds 279,156 7,641 1,612 285,185
Corporate bonds 865,960 29,744 3,609 892,094
Mortgage-backed bonds 242,187 9,350 261 251,276
Other bonds 65,230 609 1,672 64,168
Redeemable preferred stocks 13,510 632 790 13,352

Total fixed maturities 1,604,415 51,455 8,197 1,647,674

Equity securities 62,352 9,345 859 70,837

1,666,767 60,800 9,056 1,718,511

Held to maturity:
Public utility bonds 175,700 13,023 114 188,608
Corporate bonds 138,727 6,969 863 144,834
Other bonds 5,967 511 9 6,469

320,394 20,503 986 339,911

$1,987,161 81,303 10,042 2,058 422

</TABLE>
All fixed maturity securities produced income in 1996.

The distribution of the fixed maturity securities' contractual maturities
follows. However, expected maturities may differ from these contractual
maturities since borrowers may have the right to call or prepay obligations.

<TABLE>
<CAPTION>
Amortized Fair
Cost Value
<S> <C> <C>

Available for sale:
Due in one year or less $ 39,749 40,037
Due after one year through five years 286,030 290,506
Due after five years through ten years 731,349 722,058
Due after ten years 451,153 447,801
Mortgage-backed bonds 253,810 258,751

$1,762,091 1,759,153

Held to maturity:
Due in one year or less $ 92,171 94,186
Due after one year through five years 68,567 71,624
Due after five years through ten years 37,613 39,314
Due after ten years 50,082 50,918

$ 248,433 256,042

</TABLE>
Sales of investments in securities available for sale in 1996, excluding
normal maturities and calls, follow.
<TABLE>
<CAPTION>
1996 1995 1994

Proceeds $141,336 184,547 54,612
Gross realized gains 1,400 6,416 1,065
Gross realized losses 1,420 6,527 377

</TABLE>
During 1995, the Company sold a held to maturity security with an amortized
cost of $4,284,000, resulting in a realized investment loss of $77,000, due to
a perceived significant deterioration in the issuer's credit worthiness.

At December 31, 1996, the Company did not hold securities of any corporation
and its affiliates which exceeded 10 percent of stockholders' equity.

Mortgage Loans
The Company holds non-income producing mortgage loans equaling $2,077,000
($2,862,000 - 1995). Mortgage loans are carried net of a valuation reserve of
$8,500,000 ($10,500,000 in 1995).

At December 31, 1996 and 1995, the mortgage portfolio is diversified
geographically and by property type as follows.
<TABLE>
<CAPTION>

1996 1995
Carrying Fair Carrying Fair
Amount Value Amount Value
<S> <C> <C> <C> <C>

Geographic region:
Mountain $ 75,058 76,163 78,843 82,753
Pacific 81,955 82,599 80,334 82,802
West south central 36,155 36,940 35,541 37,483
West north central 35,463 36,003 28,172 29,717
Other 26,362 26,824 22,823 24,233
Valuation reserve (8,500) (8,500) (10,500) (10,500)

$246,493 250,029 235,213 246,488

Property type:
Industrial $136,266 137,633 104,728 109,247
Retail 45,555 46,681 57,246 60,114
Office 54,332 55,280 66,404 69,656
Other 18,840 18,935 17,335 17,971
Valuation reserve (8,500) (8,500) (10,500) (10,500)

$246,493 250,029 235,213 246,488
</TABLE>
As of December 31, 1996, the Company has commitments which expire in 1997 to
originate mortgage loans of $7,253,000.

Mortgage loans foreclosed upon and transferred to real estate investments
during the year equaled $2,977,000 ($4,322,000 - 1995 and $3,391,000 - 1994).

Mortgage loans acquired in the sale of real estate assets during the year
totaled $6,579,000 ($9,571,000 - 1995 and $877,000 - 1994).

Real Estate
Detail concerning the Company's real estate investments follows.
<TABLE>
<CAPTION>

1996 1995
<S> <C> <C>

Penntower office building, at cost:
Land $ 1,106 1,106
Building 17,644 17,543
Less accumulated depreciation (9,303) (8,721)
Foreclosed real estate, at lower of
cost or net realizable value 18,218 22,736
Other investment properties, at cost:
Land 3,370 3,370
Buildings 25,907 24,890
Less accumulated depreciation (13,192) (12,382)

$ 43,750 48,542
</TABLE>
Investment real estate, other than foreclosed properties, is depreciated on a
straight-line basis. Penntower office building is depreciated over 60 years
and all other properties from 10 to 35 years. Foreclosed real estate is
carried net of a valuation allowance of $5,227,000 ($7,378,000 - 1995) to
reflect net realizable value.

The Company held non-income producing real estate equaling $758,000 ($931,000
- - 1995).

<TABLE>
PROPERTY AND EQUIPMENT
<CAPTION>
1996 1995

Land $ 1,029 1,029
Home office buildings 23,131 23,122
Furniture and equipment 24,760 26,382

48,920 50,533
Less accumulated depreciation (24,129) (22,667)

$24,791 27,866
</TABLE>
Property and equipment are stated at cost. Depreciation is provided using the
straight-line method. Home office buildings are depreciated over 25 to 50
years and furniture and equipment over 3 to 10 years, their estimated useful
lives.

POSTRETIREMENT BENEFIT PLANS

The Company has defined benefit postretirement plans providing medical
benefits for substantially all its employees, full-time agents, and their
dependents, and life insurance coverage for its employees. The Company and
retirees share the cost of the postretirement medical plan which incorporates
cost-sharing features such as annually adjusted contributions, deductibles and
coinsurance. The medical benefits for agents are contributory, incorporating
cost-sharing features similar to the retired employees' medical plan. The life
insurance benefit is non-contributory. The Company pays the cost of the
postretirement health care benefits as they occur. The Company makes level
annual contributions to its life insurance plan over the plan participants'
expected service periods.

The plans' funded status, reconciled with the amounts recognized in the
Company's balance sheet, follows.
<TABLE>
<CAPTION>

1996 1995
<S> <C> <C>

Accumulated postretirement
benefit obligation:
Retirees $ 7,750 7,233
Fully eligible active plan participants 1,904 1,780
Other active plan participants 5,803 5,844

15,457 14,857
Unrecognized net loss (590) (722)

$14,867 14,135
</TABLE>
The net periodic postretirement benefit cost included the following
components.
<TABLE>
<CAPTION>

1996 1995 1994
<S> <C> <C> <C>

Service cost $ 536 314 379
Interest cost 794 669 535
Net amortization of experience gains - (93) (87)

$1,330 890 827
</TABLE>
The weighted average annual assumed rate of increase in the per capita cost of
covered benefits for the medical plans is 12 percent for 1997, the same as for
1996, and is assumed to decrease gradually to 6 percent in 2005. Increasing
the assumed health care cost growth rates by one percentage point increases
the accrued postretirement benefit costs $2,040,000 and $1,931,000 as of
December 31, 1996 and 1995, respectively. The aggregate service and interest
cost components of the net periodic postretirement benefit cost for 1996 would
increase $268,000. The weighted average discount rate used in determining the
accumulated postretirement benefit obligation was 7.75 percent and 7.00
percent at December 31, 1996 and 1995, respectively.

EMPLOYEE BENEFIT PLANS

The Company has a defined benefit pension plan covering substantially all its
employees. The benefits are based on years of service and the employee's
compensation during the last five years of employment. The Company annually
funds an amount greater than the minimum required by ERISA but no more than
the maximum deductible for Federal income tax purposes. Contributions provide
not only for benefits attributed to service to date, but also for those
expected to be earned in the future. The table below states the plan's funded
status and those amounts recognized in the Company's financial statements.

1996 1995
Actuarial present value of accumulated benefit
obligation, including vested benefits of
$79,913,000 ($80,212,000 - 1995) $ 86,635 81,769

Projected benefit obligation for service
rendered to date $100,571 96,771
Plan assets at fair value, primarily listed
corporate and U.S. bonds 85,241 85,710
Plan assets less than projected benefit obligation (15,330) (11,061)
Items not yet recognized in earnings:
Net loss from past experience 15,571 13,885
Prior service costs 14 16
Net asset at January 1, 1987,
being recognized over 16 years (1,236) (1,442)

Net prepaid (unfunded) pension costs $ (981) 1,398
<TABLE>
<CAPTION>

1996 1995 1994
<S> <C> <C> <C>
Net pension cost includes:
Service costs - benefits earned during the period $ 3,369 2,403 3,178
Interest cost on projected benefit obligation 6,647 6,156 5,835
Actual return on plan assets (2,951) (14,139) 1,907
Net amortization and deferral (4,547) 7,412 (8,923)

Net periodic pension cost $ 2,518 1,832 1,997

Assumptions were as follows:
Weighted average discount rate 7.75% 7.00 8.50
Weighted average compensation increase 4.50 5.50 5.50
Weighted average expected
long-term return on plan assets 9.00 9.00 9.00
</TABLE>

At December 31, 1996, the Company utilized more recent mortality experience
which caused some increase in the benefit obligations.

No contribution was made to the pension plan in 1996 ($992,000 - 1995 and none
- - 1994).

Non-contributory defined contribution retirement plans are offered for general
agents and eligible sales agents which provide supplemental payments based
upon earned agency first-year individual life and annuity commissions.
Contributions to these plans were $174,000 ($287,000 -1995 and $111,000 -
1994). The Company also sponsors a non-contributory deferred compensation plan
for eligible agents based upon earned first-year commissions. Contributions
to this plan were $318,000 ($405,000 -1995 and $377,000 - 1994).

Savings plans for eligible employees and agents are sponsored in which the
Company matches employee contributions up to 10 percent of salary and agent
contributions up to 2.5 percent of prior year paid commissions. Contributions
to the plans were $2,082,000 ($1,826,000 - 1995 and $1,898,000 - 1994).

The Company also has a non-contributory trusteed employee stock ownership plan
covering substantially all salaried employees. The Company made no
contributions to this plan between 1994 and 1996.

The Company adopted FASB Statement No. 112, "Employers' Accounting for
Postemployment Benefits," on January 1, 1994. This statement generally
requires the accrual of liabilities for providing benefits, such as severance
and disability, to former or inactive employees whose employment ended before
becoming eligible for retirement. This accounting change resulted in the
immediate recognition of a $1,481,000 transition liability, net of applicable
income taxes, reported as a 1994 nonrecurring expense. Statement No. 112 has
not materially aff ected operating expenses in any year since then.

FEDERAL INCOME TAXES

A reconciliation of the Federal income tax rate and the actual tax rate
experienced is shown below.
<TABLE>
<CAPTION>

1996 1995 1994
<S> <C> <C> <C>
Federal income tax rate 35% 35 35
Special tax credits (5) (4) (2)
Other permanent differences (1) (1) (1)

Actual income tax rate 29% 30 32
</TABLE>
The tax effects of temporary differences that give rise to significant
portions of the deferred tax assets and deferred tax liabilities are presented
below.
<TABLE>
<CAPTION>
1996 1995
<S> <C> <C>

Deferred tax assets:
Future policy benefits $ 46,518 43,906
Employee retirement benefits 13,055 11,598
Other 5,176 3,073

Gross deferred tax assets 64,749 58,577

Deferred tax liabilities:
Capitalization of policy acquisition
costs, net of amortization 49,175 47,321
Basis differences between tax and
GAAP accounting for investments 20,093 38,933
Property and equipment, net 1,770 2,073
Value of insurance in force 11,790 12,116
Other 1,669 1,364

Gross deferred tax liabilities 84,497 101,807

Net deferred tax liability $ 19,748 43,230
</TABLE>
Federal income taxes paid for the year were $25,332,000 ($19,981,000 - 1995
and $22,684,000 - 1994).

Policyholders' surplus, which is frozen under the Deficit Reduction Act of
1984, is $40,500,000 for Kansas City Life, $2,800,000 for Sunset Life and
$13,700,000 for Old American. The Companies do not plan to distribute their
policyholders' surplus. Consequently, the possibility of such surplus becoming
subject to tax is remote, and no provision has been made in the financial
statements for taxes thereon. Should the balance in policyholders' surplus
become taxable, the tax computed at current rates would approximate
$19,950,000.

Income taxed on a current basis is accumulated in "shareholders' surplus" and
can be distributed to stockholders without tax to the Company. At year-end
1996 this shareholders' surplus was $340,549,000 for Kansas City Life,
$62,740,000 for Sunset Life and $38,544,000 for Old American.

SEPARATE ACCOUNTS

These accounts arise from the variable line of business. Their assets are
legally segregated and are not subject to the claims which may arise from any
other business of the Company. These assets are reported at fair value since
the underlying invest ment risks are assumed by the policyholders. Therefore
the related liabilities are recorded at amounts equal to the underlying
assets. Investment income and gains or losses arising from separate accounts
accrue directly to the policyholders and are, therefore, not included in
investment earnings in the accompanying income statement. Revenues to the
Company from separate accounts consist principally of contract maintenance
charges, administrative fees and mortality and risk charges.

<TABLE>
REINSURANCE
<CAPTION>
1996 1995 1994
<S> <C> <C> <C>

Life insurance in force (in millions):
Direct $ 22,180 20 991 19 988
Ceded (2,742) (2 442) (2 073)
Assumed 28 33 36

Net $ 19,466 18 582 17 951

Premiums:
Life insurance:
Direct $127,150 124,504 126,652
Ceded (24,380) (23,292) (23,538)
Assumed 493 129 210

Net $103,263 101,341 103,324

Accident and health:
Direct $ 48,694 42,971 42,709
Ceded (11,370) (13,496) (11,956)
Assumed 251 - 143

Net $ 37,575 29,475 30,896
</TABLE>
Contract charges arise generally from directly issued business. Ceded benefit
recoveries were $37,829,000 ($27,613,000 - 1995 and $27,365,000 - 1994).

Old American has a coinsurance agreement with Employers Reassurance
Corporation which reinsures certain whole life policies issued by Old American
prior to December 1, 1986. As of December 31, 1996, these policies had a face
value of $148,430,000. The reserve for future policy benefits ceded under this
agreement was $52,556,000 ($53,649,000 - 1995).

The maximum retention on any one life is $350,000. A contingent liability
exists with respect to reinsurance, which may become a liability of the
Company in the unlikely event that the reinsurers should be unable to meet
obligations assumed under reinsurance contracts.

FAIR VALUE OF FINANCIAL INSTRUMENTS

The carrying amounts for cash, short-term investments and policy loans as
reported in the accompanying balance sheet approximate their fair values. The
fair values for securities are based on quoted market prices, where available.
For those securities not actively traded, fair values are estimated using
values obtained from independent pricing services or, in the case of private
placements, are estimated by discounting expected future cash flows using a
current market rate applicable to the yield, credit quality and maturity of
the investments. Fair values for mortgage loans are based upon discounted cash
flow analyses using an interest rate assumption 2 percent above the comparable
U.S. Treasury rate.

Fair values for the Company's liabilities under investment-type insurance
contracts, included with accumulated contract values for flexible annuities
and with other policyholder funds for supplementary contracts without life
contingencies, are estimated to be their cash surrender values.

Fair values for the Company's insurance contracts other than investment
contracts are not required to be disclosed. However, the fair values of
liabilities under all insurance contracts are taken into consideration in the
Company's overall management of interest rate risk, which minimizes exposure
to changing interest rates through the matching of investment maturities with
amounts due under insurance contracts.

The carrying amounts and fair values of the financial instruments follow.
<TABLE>
<CAPTION>

1996 1995
Carrying Fair Carrying Fair
Amount Value Amount Value

<S> <C> <C> <C> <C>
Investments:
Securities available for sale $1,838,171 1 838,171 1,718,511 1 718,511
Securities held to maturity 248,433 256,042 320,394 339,911
Mortgage loans 246,493 250,029 235,213 246,488

Liabilities:
Individual and group annuities 862,605 829,261 871,340 842,809
Supplementary contracts without
life contingencies 21,835 21,835 23,343 23,343
</TABLE>
The Investments Note provides further details regarding the investments above.

QUARTERLY CONSOLIDATED FINANCIAL DATA (unaudited)
<TABLE>
<CAPTION>

First Second Third Fourth
<S> <C> <C> <C> <C>

1996:
Total revenues $106,868 102,088 105,677 107,377

Operating income $ 11,933 10,002 8,643 9,777
Realized gains, net 614 (308) 671 982

Net income $ 12,547 9,694 9,314 10,759

Per common share:
Operating income $ 1.93 1.62 1.39 1.58
Realized gains, net .10 (.05) .11 .16

Net income $ 2.03 1.57 1.50 1.74

1995:
Total revenues $ 98,733 100,356 103,041 106,656

Operating income $ 10,960 9,255 8,166 10,140
Realized gains, net 68 27 2,278 844

Net income $ 11,028 9,282 10,444 10,984
Per common share:
Operating income $ 1.78 1.50 1.32 1.64
Realized gains, net .01 - .37 .14

Net income $ 1.79 1.50 1.69 1.78

</TABLE>
CONTINGENT LIABILITY

In January 1996, a division of the Oklahoma Appellate Court issued an opinion
reducing a prior $10,700,000 judgment against the Company to $1,300,000 which
the Company has accrued. The case arose out of certain actions by one of the
Company's agents. In November 1996, an Oklahoma District Court Judge ruled
that the Company was also responsible for $2,500,000 of a judgment rendered
against the agent in the same case. The Company believes that the court's
ruling violates the Company's rights and guarantees under the Oklahoma and
Federal Constitutions as well as Oklahoma common and statutory law. The
Oklahoma Supreme Court has agreed to hear the Company's appeal. Management
believes that damages, if any, related to this matter would not have a
material effect on the Company's consolidated results of operations and
financial position.

In addition to the above case, the Company and certain of its subsidiaries are
defendants in lawsuits involving claims and disputes with policyholders that
may include claims seeking punitive damages. Some of these lawsuits arise in
jurisdictions such as Alabama where juries sometimes award punitive damages
grossly disproportionate to the actual damages alleged. Although no assurances
can be given and no determinations can be made at this time as to the outcome
of any particular lawsuit or proceeding, the Company and its subsidiaries
believe that there are meritorious defenses for these claims and are defending
them vigorously. Management believes that the amounts that would ultimately be
paid, if any, would have no material effect on the Company's consolidated
results of operations and financial position.

Report of Independent Auditors

To the Board of Directors and Stockholders
of Kansas City Life Insurance Company

We have audited the accompanying consolidated balance sheet of Kansas City
Life Insurance Company (the Company) as of December 31, 1996 and 1995 and the
related consolidated statements of income, stockholders' equity and cash flows
for each of the three years in the period ended December 31, 1996. These
consolidated financial statements are the responsibility of the Company's
management. Our responsibility is to express an opinion on these financial
statements based on our audits.

We conducted our audits in accordance with generally accepted auditing
standards. Those standards require that we plan and perform the audit to
obtain reasonable assurance about whether the financial statements are free of
material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements. An audit
also includes assessing the accounting principles used and significant
estimates made by management, as well as evaluating the overall financial
statement presentation. We believe that our audits provide a reasonable basis
for our opinion.

In our opinion, the consolidated financial statements referred to above
present fairly, in all material respects, the consolidated financial position
of Kansas City Life Insurance Company at December 31, 1996 and 1995 and the
consolidated results of its operations and its cash flows for each of the
three years in the period ended December 31, 1996, in conformity with
generally accepted accounting principles.

As discussed in the Notes to the consolidated financial statements, the
Company changed its method of accounting for investments and postemployment
benefits in 1994.

Kansas City, Missouri
January 27, 1997

<TABLE>
KANSAS CITY LIFE INSURANCE COMPANY
Quarter ended March 31, 1997
EXHIBIT

Quarterly Report to Stockholders

Consolidated
Balance Sheet
(in thousands)
<CAPTION>
March 31 December 31
1997 1996
------------- -------------
<S> <C> <C>

Assets
Investments:
Fixed maturities:
Securities available for sale,
at market $ 1,756,730 1,759,153
Securities held to maturity,
at amortized cost 218,076 248,433
Equity securities available
for sale, at market 85,583 79,018
Mortgage loans 236,377 246,493
Real estate, net 44,009 43,750
Real estate joint ventures 40,273 28,356
Policy loans 93,507 94,412
Short-term 30,677 19,642
------------- -------------
2,505,232 2,519,257

Deferred acquisition costs 207,585 207,020
Other assets 214,459 214,517
Separate account assets 17,235 13,916
------------- -------------

$ 2,944,511 2,954,710
============= =============

Liabilities and equity
Future policy benefits $ 702,582 701,560
Accumulated contract values 1,546,545 1,544,714
Other liabilities 227,973 231,656
Separate account liabilities 17,235 13,916
------------- -------------
Total liabilities 2,494,335 2,491,846

Stockholders' equity:
Capital stock 23,121 23,121
Paid in capital 15,208 14,761
Unrealized gains (losses) on
securities available for sale (19,104) 2,963
Retained earnings 519,158 509,748
Less treasury stock (88,207) (87,729)
------------- -------------
450,176 462,864
------------- -------------

$ 2,944,511 2,954,710
============= =============
</TABLE>
Notes:
* These financial statements are unaudited but, in
management's opinion, include all adjustments
necessary for a fair presentation of the results.

* Income per common share is based upon the weighted
average number of shares outstanding during the period
(6,189,437 in 1997 and 6,181,663 in 1996).

* These interim financial statements should be read
in conjunction with the Company's Annual Report to
Stockholders. The results of operations for any
interim period are not necessarily indicative of
the Company's operating results for a full year.

* Certain amounts from the prior year's financial
statements have been reclassified to conform with
the current year's presentation.

Consolidated
Income Statement
(in thousands, except per share data)

Quarter ended Quarter ended
March 31 March 31
1997 1996 1997 1996
------- ------- ------- -------
<S> <C> <C> <C> <C>

Revenues
Insurance revenues:
Premiums:
Life insurance $ 24,647 26,780 24,647 26,780
Accident and health 10,732 9,408 10,732 9,408
Contract charges 20,456 19,655 20,456 19,655
Investment revenues:
Investment income, net 46,669 46,926 46,669 46,926
Realized gains 2,823 944 2,823 944
Other 2,677 2,721 2,677 2,721
------- ------- ------- -------
Total revenues 108,004 106,434 108,004 106,434
------- ------- ------- -------
Benefits and expenses
Policy benefits:
Death benefits 23,805 20,814 23,805 20,814
Surrenders of life insurance 3,643 3,940 3,643 3,940
Other benefits 16,029 15,478 16,029 15,478
Increase in benefit and contract reserve 19,418 21,981 19,418 21,981
Amortization of policy acquisition costs 8,666 7,557 8,666 7,557
Insurance operating expenses 20,071 18,620 20,071 18,620
Interest expense 0 1 0 1
------- ------- ------- -------
Total benefits and expenses 91,632 88,391 91,632 88,391
------- ------- ------- -------

Pretax income 16,372 18,043 16,372 18,043
------- ------- ------- -------
Federal income taxes:
Current 7,240 7,652 7,240 7,652
Deferred (3,002) (2,156) (3,002) (2,156)
------- ------- ------- -------
4,238 5,496 4,238 5,496
------- ------- ------- -------

Net income $ 12,134 12,547 12,134 12,547
======= ======= ======= =======

Per common share
Operating income $ 1.66 1.93 1.66 1.93
Realized gains, net 0.30 0.10 0.30 0.10
------- ------- ------- -------

Net income $ 1.96 2.03 1.96 2.03
======= ======= ======= =======

</TABLE>
<TABLE>

CONSOLIDATED
STATEMENT OF CASH FLOWS
(in thousands)

<CAPTION>
Quarter ended
March 31
1997 1996

Operating activities
Net cash provided $17,489 17,586

Investing activities
Investments called or matured:
Fixed maturities available for sale 32,558 48,975
Fixed maturities held to maturity 31,622 16,657
Equity securities available for sale 5,429 1,720
Mortgage loans 17,531 11,736
Real estate joint ventures 420 5,125
Other 153 352
Investments sold:
Fixed maturities available for sale 58,921 14,900
Real estate joint ventures 0 5,623
Other 848 1,483
Investments made:
Decrease (increase) in
short-term investments, net (11,033) 18,620
Fixed maturities available for sale (121,981) (136,891)
Equity securities available for sale (11,040) (6,297)
Mortgage loans (8,465) (3,500)
Real estate joint ventures (11,436) (646)
Other (176) (748)
Other, net (2,257) 1,487
Net cash used (18,906) (21,404)

Financing activities
Policyowner contract deposits 44,306 43,495
Withdrawals of policyowner
contract deposits (39,477) (36,928)
Dividends paid to stockholders (2,723) (2,596)
Other, net 146 211
Net cash provided 2,252 4,182

Increase in cash $835 364

</TABLE>
Net income per share equaled $1.96 in the first quarter, a 3
percent decline from a year ago. Operating income, which
excludes realized investment gains, declined 14 percent to $1.66
a share for the quarter.

The first quarter of last year provided a difficult comparison
since it was the best quarter we have yet achieved by a
considerable amount. The decline in earnings from last year was
due primarily to a retreat from the excellent mortality results
which the Company experienced last year, increased amortization
of deferred policy acquisition costs and moderate growth in
operating expenses. Offsetting these somewhat was a lower
effective income tax rate due to our investments in low-income
housing tax credit projects.

New annualized premiums declined 1 percent for the quarter. New
premiums from our variable products more than doubled from last
year, nearly offsetting declines in the non-variable individual
lines and in new group premiums. Variable products generated 16
percent of total new annualized premiums for the consolidated
group in the first quarter. Total insurance revenues, as
reported in the attached earnings statement, were level with a
year ago. Contract charges arising from the interest sensitive
lines of business increased 4 percent. Life insurance premiums
decreased 8 percent due to declines in single premium annuities
and traditional life premiums. Accident and health premiums
rose 14 percent primarily due to increased group dental
premiums. Insurance in force totaled $22.2 billion at quarter
end, down slightly from the beginning of the year.

Investment earnings were down 1 percent from a year ago though
investment assets rose 3 percent over this period. The
investment portfolio's yield declined 16 basis points as
high-coupon securities matured and new yields available in the
marketplace were below the portfolio's yield. Realized
investment gains rose from $0.9 million last year to $2.8
million this quarter due primarily to calls and maturities.

Home office expenses rose 5 percent compared with the prior
year. Most of this growth was in the group and individual
marketing areas and was directed toward boosting sales results.

Book value per share equaled $72.74 compared to $74.79 at the
end of last year. Excluding the $22.0 million decrease in
unrealized gains and losses during the quarter on the portion of
our securities portfolio classified as available for sale, book
value rose at an 8 percent annualized rate to $75.82.

I am most pleased to welcome Elizabeth T. Solberg to our Board
of Directors. Betsey is Executive Vice President and Senior
Partner of Fleishman-Hillard, Inc., a leading public relations
firm. She has been a longtime community leader. Her extensive
involvement includes having served as the chairperson of the
Greater Kansas City Chamber of Commerce and as co-chairperson of
the Kansas City Area Development Council.

At its recent meeting, the Board approved a $.44 a share
quarterly dividend. The dividend will be paid on May 27 to
stockholders of record on May 12.

PART II
UNDERTAKING TO FILE REPORTS

Subject to the terms and conditions of Section 15(d) of the Securities
Exchange Act of 1934, the undersigned Registrant hereby undertakes to file
with the Securities and Exchange Commission such supplementary and periodic
information, documents and reports as may be prescribed by any rule or
regulation of the Commission heretofore or hereafter duly adopted pursuant to
authority conferred in that section.

RULE 484 UNDERTAKING

The By-Laws of Kansas City Life Insurance Company provide, in part, in
Article XII:

1. The Company shall indemnify any person who was or is a party or is
threatened to be made a party to any threatened, pending or completed action,
suit, or proceeding, whether civil, criminal, administrative or investigative,
other than an action by or in the right of the Company, by reason of the fact
that he or she is or was a Director, Officer or employee of the Company, or is
or was serving at the request of the Company as a Director, Officer or
employee of another company, partnership, joint venture, trust or other
enterprise, against expenses, including attorneys' fees, judgments, fines and
amounts paid in settlement actually and reasonably incurred by him or her in
connection with such action, suit or proceeding if he or she acted in good
faith and in a manner he or she reasonably believed to be in or not opposed to
the best interests of the Company, and with respect to any criminal action or
proceeding, had no reasonable cause to believe his or her conduct was
unlawful.
The termination of any action, suit or proceeding by judgment, order,
settlement, conviction or upon a plea of nolo contendere or its equivalent,
shall not, of itself, create a presumption that the person did not act in good
faith and in a manner which he or she reasonably believed to be in or not
opposed to the best interests of the Company, and, with respect to any
criminal action or proceeding, had reasonable cause to believe that his or her
conduct was unlawful.

2. The Company shall indemnify any person who was or is a party or is
threatened to be made a party to any threatened, pending or completed action
or suit by or in the right of the company to procure a judgment in its favor
by reason of the fact that he or she is or was a director, officer or employee
of the company, or is or was serving at the request of the company as a
director, officer or employee of another company, partnership, joint venture,
trust or other enterprise against expenses, including attorneys' fees,
actually and reasonably incurred by him or her in connection with the defense
or settlement of the action or suit if he or she acted in good faith and in a
manner he or she reasonably believed to be in or not opposed to the best
interests of the company; except that no indemnification shall be made in
respect of any claim, issue or matter as to which such person shall have
been adjudged to be liable for negligence or misconduct in the performance of
his or her duty to the company unless and only to the extent that the court in
which the action or suit was brought determines upon application that, despite
the adjudication of liability and in view of all the circumstances of the
case, the person is fairly and reasonably entitled to indemnity for such
expenses which the court shall deem proper.

Missouri law authorizes Missouri corporations to provide indemnification
to directors, officers and other persons.

Kansas City Life owns a directors and officers liability insurance policy
covering liabilities that directors and officers of Kansas City Life and its
subsidiaries and affiliates may incur in acting as directors and officers.

Insofar as indemnification for liability arising under the Securities Act
of 1933 (the "Act") may be permitted to directors, officers and controlling
persons of the Registrant pursuant to the foregoing provisions, or otherwise,
the Registrant has been advised that in the opinion of the Securities and
Exchange Commission such indemnification is against public policy as expressed
in the Act and is, therefore, unenforceable. In the event that a claim for
indemnification against such liabilities (other than the payment by the
Registrant of expenses incurred or paid by a director, officer or controlling
person of the Registrant in the successful defense of any action, suit or
proceeding) is asserted by such director, officer or controlling person in
connection with the securities being registered, the Registrant will, unless
in the opinion of its counsel the matter has been settled by controlling
precedent, submit to a court of appropriate jurisdiction the question whether
such indemnification by it is against public policy as expressed in the Act
and will be governed by the final adjudication of such issue.

REPRESENTATIONS RELATING TO FEES AND CHARGES

Kansas City Life Insurance Company hereby represents that the fees and charges
deducted under the contracts described in this pre-effective amendment are, in
the aggregate, reasonable in relationship to the services rendered, the
expenses expected to be incurred, and the risks assumed by Kansas City Life
Insurance Company.

CONTENTS OF REGISTRATION STATEMENT

This Registration Statement comprises the following papers and documents:
The facing sheet.
The prospectus consisting of ___ pages.
Undertaking to file reports.
Rule 484 undertaking.
The signatures.
Written consents of the following persons:
(a) C. John Malacarne, Esq.
(b) Mark A. Milton, Vice President and Associate Actuary
(c) Sutherland, Asbill & Brennan.
(d) Independent Auditors.

The following exhibits, corresponding to those required by paragraph A of
the instructions as to exhibits in Form N-8B-2:

1.A. (1) Resolutions of the Board of Directors of Kansas City Life Insurance
Company establishing the Kansas City Life Variable Life Separate
Account.*
(2) Not applicable.
(3) Distributing Contracts:
(a) Distribution Agreement between Kansas City Life Insurance
Company and Sunset Financial Services, Inc..*
(b) Not applicable.
(c) Schedule of Sales Commissions.
(4) Not applicable.
(5) (a) Specimen Contract Form.
(b) Contract Split Option Rider.
(c) Joint First to Die Term Life Insurance Rider.
(d) Joint Survivorship Four-Year Term Life Insurance Rider.
(6) (a) Articles of Incorporation of Bankers Life Association of
Kansas City.*
(b) Restated Articles of Incorporation of Kansas City Life
Insurance Company.*
(c) By-Laws of Kansas City Life Insurance Company.*
(7) Not applicable.
(8) (a) Agreement between Kansas City Life Insurance Company, MFS
Variable Insurance Trust, and Massachusetts Financial Services
Company.*
(b) Agreement between Kansas City Life Insurance Company, TCI
Portfolios, Inc. and Investors Research Corporation.*
(c) Agreement between Kansas City Life Insurance Company,
Insurance Management Series, and Federated Securities Corp.*
(d) Agreement between Kansas City Life Insurance Company
and each of Dreyfus Variable Investment Fund, The Dreyfus
Socially Responsible Growth Fund, Inc., and Dreyfus Life
and Annuity Index Fund, Inc.
(9) Not Applicable.
(10) Application Form.*
(11) Memorandum describing issuance, transfer, and redemption
procedures.

B. Not applicable.

C. Not applicable.

2. Opinion and consent of C. John Malacarne, Esq.,
as to the legality of the securities being registered. **
3. Not applicable.
4. Not applicable.
5. Not applicable.
6. Opinion and Consent of Mark A. Milton, Vice President and Associate
Actuary, as to actuarial matters pertaining to the securities being
registered.
7. (a) Consent of Ernst & Young LLP.
(b) Consent of Sutherland, Asbill & Brennan LLP.
(c) Consent of C. John Malacarne. See Exhibit 2.

______________________
* Incorporated herein by reference to the Form S-6 Registration Statement
(File No. 033-95354) for Kansas City Life Variable Life Separate Account filed
on August 2, 1995.

** Incorporated herein by reference to Pre-Effective Amendment No. 1 to the
Form N-4 Registration statement (File No. 033-89984) for Kansas City Life
Variable Annuity Separate Account filed in August 25, 1995.

*** Incorporated herein by reference to the Form S-6 Registration Statement
(File No. 333-25443) for Kansas City Variable Life Separate Account filed on
April 18, 1997. (Accession Number 0000948972-97-000006)

SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the
Registrant, Kansas City Life Variable Life Separate Account, has duly
caused this Pre-Effective Amendment No. 1 to the Registration Statement to be
signed on its behalf by the undersigned thereunto duly authorized, in the City
of Kansas City and the State of Missouri, on the 14th day of July, 1997.

Kansas City Life Variable Life Separate Account (Registrant)

By: Kansas City Life Insurance Company (Depositor)

By:/s/ W. E. Bixby
W.E. Bixby, President

Attest: /s/ C. John Malacarne

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, Kansas
City Life Insurance Company has duly caused this Pre-Effective Amendment
No. 1 to the Registration Statement to be signed on its behalf by the
undersigned thereunto duly authorized, and its seal to be hereunto affixed
and attested, all in the City of Kansas City and the State of Missouri
on the 14th day of July, 1997.

[SEAL]
Kansas City
Life Insurance Company

By:/s/ W. E. Bixby
W.E. Bixby, President

Attest: /s/ C. John Malacarne

Pursuant to the requirements of the Securities Act of 1933,
this Pre-Effective Amendment No. 1 to the Registration Statement has been
signed below by the following persons in the capacities indicated on the
date(s) set forth below.

Signature Title Date

/s/ W. E. Bixby Vice Chairman of the Board, July 14, 1997
W. E. Bixby President, CEO, and Director
(Principal Executive Officer)

/s/ Richard L. Finn Senior Vice President, Finance July 14, 1997
Richard L. Finn Director (Principal Financial Officer)

/s/ John K. Koetting Vice President and Controller July 14, 1997
John K. Koetting (Principal Accounting Officer)

/s/ R. Philip Bixby Director July 14, 1997
R. Philip Bixby

___________________ Director July , 1997
Daryl D. Jensen

/s/ Francis P. Lemery Director July 14, 1997
Francis P. Lemery

/s/ C. John Malacarne Director July 14, 1997
C. John Malacarne

/s/ Jack D. Hayes Director July 14, 1997
Jack D. Hayes

___________________ Director July , 1997
J.R. Bixby

___________________ Director July , 1997
Webb R. Gilmore

/s/Warren J. Hunzicker, M.D. Director July 14, 1997
Warren J. Hunzicker, M.D.

____________________ Director July , 1997
Michael J. Ross

____________________ Director July , 1997
Elizabeth T. Solberg

___________________ Director July , 1997
E. Larry Winn Jr.

/s/ W. E. Bixby, III Director July 14, 1997
W. E. Bixby, III

___________________ Director July , 1997
Nancy Bixby Hudson

Exhibit Index
List
Page
1.A.(3)(c) Schedule of Sales Commissions
1.A.(5)(a) Specimen Contract Form
1.A.(5)(b) Contract Split Option Rider
1.A.(5)(d) Joint Survivorship Four-Year Term Life Insurance Rider
1.A.(8)(d) Agreement between Kansas City Life Insurance Company
and each of Dreyfus Variable Investment Fund, The Dreyfus
Socially Responsible Growth Fund, Inc., and Dreyfus Life
and Annuity Index Fund, Inc.*

1.A.(11) Memorandum describing issuance, transfer and redemption
procedures.
2. Opinion and Consent of C. John Malacarne, Esq., as to the
legality of the securities being registered.
6. Opinion and Consent of Mark A. Milton, Vice President and
Associate Actuary, as to actuarial matters pertaining to the
securities being registered.
7.(a) Consent of Ernst & Young, L.L.P.
7.(b) Consent of Sutherland Asbill & Brennan LLP

* Incorporated herein by reference to the Form S-6 Registration Statement
(File No. 033-95354) for Kansas City Life Variable Life Separate Account
filed on April 30, 1997.

Exhibit 1.A.(3)(c)
Schedule of Sales Commissions

Kansas City Life Agents

Survivorship VUL

Year 1
Commission Override

Years 2 - 7
Commission Override
Service Fee
Years 8+
Agent Override
Target
50.0% 0.0%
3.0% 1.5%
2.0% 1.0%
Excess
3.0% 0.0%
3.0% 1.5%
2.0% 1.0%

Additional compensation will be paid in the form of production bonuses as well
as qualification for company benefit programs. Additional allowances for office
expenses will be paid to the General Agent.

Sunset Life Agents

Compensation for Sunset Life agents is identical to the chart above except total
first year agents and general agents commission and override is equal to 102.5%
of target premium.

Exhibit 1.A.(5)(a)

Flexible Premium Variable
Survivorship Life Insurance
Contract - Nonparticipating

Adjustable death benefit. Death proceeds payable at the death of the last
surviving Insured. Flexible premiums payable until the death of the last
surviving Insured.

The amount and duration of the death benefit may increase or decrease as
described in this contract, depending on the investment experience of the
subaccounts. The contract may provide a Guaranteed Minimum Death Benefit
Option, if elected at issue.

The contract value of this contract may increase or decrease daily depending on
the investment experience of the subaccounts. There is no guaranteed minimum
contract value.

Kansas City Life Insurance Company will pay the proceeds of this contract
according to the provisions on this and the following pages, all of which are
part of this contract. This contract is a legal contract between you and Kansas
City Life Insurance Company. READ YOUR CONTRACT CAREFULLY.

Signed for Kansas City Life Insurance Company, a stock company, at its Home
Office, 3520 Broadway, PO Box 419139, Kansas City, MO 64141-6139.

/s/C. John Malacarne /s/W. E. Bixby
Secretary President

10-Day Right To Examine Contract
Please examine this contract carefully. If you are not satisfied, you may
return the contract to us or to your agent within 10 days of its receipt. If
returned, the contract will be void from the beginning and any premium paid will
be refunded.

Contract Number
9999999

Insureds
Jane Doe
Jane Doe

Agency
0001

GUIDE TO CONTRACT PROVISIONS

Page
Section 1: Contract Data 3
Section 2: Definition of Certain Terms 9
Section 3: Contract Proceeds 11
Section 4: General Provisions 12

4.1 Contract
4.2 Incontestability
4.3 Suicide
4.4 Age and Sex
4.5 Termination of Coverage
4.6 Modifications
4.7 Nonparticipating
4.8 Annual Report

Section 5: Premium and Reinstatement Provisions 13
Section 6: Ownership, Assignment and Beneficiary Provisions 15
Section 7: Contract Change Provisions 16
Section 8: Contract Values 17
Section 9: Loan Provisions 19
Section 10: The Variable Account 20
Section 11: Transfer Privilege 21
Section 12: Settlement Options 22

A copy of the original application and any additional benefits provided by rider
or endorsement follow page 24.

SECTION 1: CONTRACT DATA

BENEFICIARY
As stated in the application or in the
last beneficiary designation filed with us.

OWNER
As stated in the application or in the last ownership designation
filed with us.

INSUREDS' ISSUE AGE and SEX
Jane Doe, age 35, Female
John Doe, age 35, Male

RISK CLASSIFICATION
Jane Doe - Standard Nontobacco
John Doe - Standard Nontobacco

MINIMUM TOTAL SUM INSURED
$200,000

TOTAL SUM INSURED
Specified Amount $1,000,000
Additional Insurance Amount $ 0
Total $1,000,000

CONTRACT NUMBER
9999999

INSUREDS
Jane Doe
John Doe

CONTRACT DATE
July 01, 1997

AGENCY
0001

SECTION 1: CONTRACT DATA (CONTINUED) DATE PREPARED: 07/01/1997

INSUREDS CONTRACT NUMBER
Jane Doe 9999999
John Doe

MINIMUM PREMIUM: $4,900.88

TARGET PREMIUM: $6,534.50

PLANNED PREMIUM PAYMENT: $6,534.50 Annually

FORM NO.
BENEFIT DESCRIPTION

J150

Coverage Option A: Death benefit equals the Total Sum Insured on the date of
death of the last surviving Insured.
(Effective: July 01, 1997)

SECTION 1: CONTRACT DATA (CONTINUED) DATE PREPARED: 07/01/1997

INSUREDS CONTRACT NUMBER
Jane Doe 9999999
John Doe

PREMIUM EXPENSE CHARGES - DEDUCTIONS FROM PREMIUM PAYMENTS

Year 1
50% of premium up to target premium, 2% of excess premium
Years 2-5
15% of premium up to target premium, 2% of excess premium
Years 6-10
6% of premium up to target premium, 2% of excess premium
Years 11-20
2% of premium
Years 21+
Beginning in the 21st contract year there is no charge

Premium Processing Charge
4.85% of premium for all contract years

DEDUCTIONS FROM CONTRACT VALUE

Monthly Expense Charges

Administrative Expense Charge
$7.50 per month for all contract years plus $.02 per $1,000 of total sum
insured per month for all contract years.

Issue Expense Charge
$12.50 per month for first five contract years.

Monthly Cost Of Insurance
Deducted each month for all contract years; see Table One on
page 6.

MORTALITY AND EXPENSE RISK CHARGE
The current mortality and expense risk charge is .625% (on an annual
basis) of the average daily net assets of the variable account.

The guaranteed mortality and expense risk charge is .900% (on an annual
basis) of the average daily net assets of the variable account.

PARTIAL SURRENDER FEE
The partial surrender fee is the lesser of: (a) 2% of the amount
surrendered; or (b) $25.00

SECTION 1: CONTRACT DATA (CONTINUED) DATE PREPARED: 07/01/1997

INSUREDS CONTRACT NUMBER
Jane Doe 9999999
John Doe

MONTHLY COST OF INSURANCE RATES

The monthly cost of insurance rates used in calculating the cost of
insurance on each monthly anniversary day are based on each Insured's age,
number of completed contract years, sex, and risk class.

The cost of insurance rates used will be determined by us based on our
expectations as to future mortality experience. Any change in the current cost
of insurance rates will be on a uniform basis for Insureds of the same age, sex
and risk class whose contracts have been in force the same length of time. The
current cost of insurance rates will never be increased to recover losses
incurred, or decreased to distribute gains realized by us prior to the change.

The cost of insurance rates used will not exceed those shown in the
tables below. The rates for Tobacco User Risk Class are based on the 1980
Commissioners Standard Ordinary Smoker Mortality Table, age last birthday. The
rates for Nontobacco User Risk Class are based on the 1980 Commissioners
Standard Ordinary Nonsmoker Mortality Table, age last birthday. The guaranteed
maximum cost of insurance rates for special risk classes will be adjusted
appropriately and reflected in Table One below.

Table One
Guaranteed Monthly Cost of Insurance Rates per $1,000

Contract Year
Rate
1
$.00022
2
$.00070
3
$.00129
4
$.00199
5
$.00284
6
$.00387
7
$.00512
8
$.00658
9
$.00830
10
$.01030
11
$.01269
12
$.01548
13
$.01875
14
$.02257
15
$.02708
16
$.03245
17
$.03886
18
$.04663
19
$.05598
20
$.06696
21
$.07997
22
$.09501
Contract Year
Rate
23
$.11209
24
$.13177
25
$.15499
26
$.18262
27
$.21593
28
$.25694
29
$.30738
30
$.36776
31
$.43876
32
$.52066
33
$.61386
34
$.72013
35
$.84393
36
$.99117
37
$1.16945
38
$1.38762
39
$1.65191
40
$1.96470
41
$2.32637
42
$2.73577
43
$3.19270
44
$3.70153
Contract Year
Rate
45
$4.27485
46
$4.93039
47
$5.68596
48
$6.55862
49
$7.54960
50
$8.64926
51
$9.84252
52
$11.11673
53
$12.46043
54
$13.86761
55
$15.34597
56
$16.90553
57
$18.57708
58
$20.41868
59
$22.56727
60
$25.33395
61
$29.33313
62
$35.77192
63
$46.89109
64
$66.10462
65
$90.91184

The rates in the table above show the guaranteed monthly cost of insurance rates
from the first contract year to the contract year in which the youngest Insured
is age 100.

SECTION 1: CONTRACT DATA (CONTINUED) DATE PREPARED: 07/01/1997

INSUREDS CONTRACT NUMBER
Jane Doe 9999999
John Doe

Table Two
Corridor Percentages and Option L
Death Benefit Percentages

Contract
Year

Corridor
Percentages
Option L
Death Benefit
Percentages
1
637%
- ----
2
612%
- ----
3
589%
- ----
4
566%
- ----
5
544%
- ----
6
523%
- ----
7
503%
- ----
8
484%
- ----
9
466%
- ----
10
448%
- ----
11
431%
- ----
12
414%
- ----
13
399%
- ----
14
384%
- ----
15
369%
- ----
16
355%
- ----
17
342%
- ----
18
329%
- ----
19
317%
- ----
20
305%
- ----
21
294%
- ----
22
283%
- ----
23
273%
- ----
24
263%
- ----
25
253%
- ----
26
244%
- ----
27
236%
- ----
28
227%
- ----
29
219%
- ----
30
212%
- ----
31
205%
- ----
32
198%
- ----
33
191%
- ----

Contract
Year

Corridor
Percentages
Option L
Death Benefit
Percentage
34
185%
- ----
35
179%
- ----
36
174%
- ----
37
169%
- ----
38
164%
- ----
39
159%
- ----
40
154%
- ----
41
150%
- ----
42
147%
- ----
43
143%
- ----
44
140%
- ----
45
137%
- ----
46
134%
- ----
47
131%
- ----
48
128%
- ----
49
126%
- ----
50
124%
- ----
51
122%
- ----
52
120%
- ----
53
119%
- ----
54
117%
- ----
55
116%
- ----
56
115%
- ----
57
113%
- ----
58
112%
- ----
59
111%
- ----
60
109%
- ----
61
108%
- ----
62
106%
- ----
63
105%
- ----
64
103%
- ----
65
100%
- ----

The percentages in the table above are shown from the first contract year to the
contract year in which the youngest Insured is age 100.

SECTION 1: CONTRACT DATA (CONTINUED) DATE PREPARED: 07/01/1997

INSUREDS CONTRACT NUMBER
Jane Doe 9999999
John Doe

Investment Options

[ KCL Fixed Account

Subaccounts that invest in the Kansas City Life Variable Life Separate Account:

MFS Research Series
MFS Emerging Growth Series
MFS Total Return Series
MFS Bond Series
MFS World Governments Series
MFS Utilities Series
American Century VP Capital Appreciation
American Century VP International
Federated American Leaders Fund II
Federated High Income Bond Fund II
*Federated Prime Money Fund II
Dreyfus Capital Appreciation Portfolio
Dreyfus Small Cap Portfolio
Dreyfus Stock Index Fund

*The Federated Prime Money Fund II subaccount is referred to in this contract as
the money market subaccount.]

Section 2: Definition of Certain Terms

The following are key words used in this contract and are important in
describing both your rights and ours. As you read this contract, refer back to
these definitions.

2.1 Accumulation Unit
An accounting unit used to calculate the variable account value. It is a
measure of the net investment results of each of the variable subaccounts.

2.2 Additional Insurance Amount
An amount of insurance coverage under the contract which is not part of the
specified amount.

2.3 Age
Age means the age of each Insured on their last birthday as of each contract
anniversary.

2.4 Allocation Date
The date on which the initial net premium is allocated to the money market
subaccount. The allocation date is the later of the date when all underwriting
and other requirements have been met and your application has been approved, or
the date the initial premium is received at the Home Office.

2.5 Beneficiary
The beneficiary is the person you have designated in the application or in the
last beneficiary designation filed with us to receive any proceeds payable under
this contract at the death of the last surviving Insured.

2.6 Cash Surrender Value
The contract value at the time of surrender less any contract indebtedness.

2.7 Contract Anniversary
The same day and month as the contract date each year that this contract remains
in force.

2.8 Contract Date
The date from which contract months, years and anniversaries are computed. The
incontestability and suicide periods for the total sum insured are measured from
this date.

2.9 Contract Value
The sum of the variable account value and the fixed account value (including the
loan account value). These values are described in more detail in Section 8,
Contract Values.

2.10 Contract Year
A period of twelve months starting with the contract date and each contract
anniversary thereafter.

2.11 Cost of Insurance
The charge we make for providing pure insurance protection using the current
cost of insurance rates for this contract. It does not include the cost of any
additional benefits provided by riders.

2.12 Coverage Options
The coverage option selected determines the amount of death proceeds payable.
Three coverage options (A, B or L) are available. These options are described
in Section 3.2, Amount of Proceeds Payable at Death.

2.13 Excess Premium
The portion of the total premiums received during any contract year that exceeds
the target premium.

2.14 Fixed Account
An account that is part of our general account, and is not part of or dependent
on the investment performance of the variable account.

2.15 Fixed Account Value
The contract value in the fixed account.

2.16 Insureds
The two persons whose lives are insured under this contract.

2.17 Minimum Premium
The amount required in the first year to issue this contract.

2.18 Monthly Anniversary Day
The day of each month when we make the monthly deductions for this contract. It
is the same day of each month as the contract date or the last day of the month
for those months not having such a day.

2.19 Monthly Deductions
The amount we deduct on the monthly anniversary day from the contract value to
pay the Deductions from Contract Value as shown in Section 1, Contract Data.

2.20 Mortality and Expense Risk Charge
This is a charge we deduct from the assets of the subaccounts to compensate us
for assuming the mortality and expense risks for this contract. This charge is
shown in Section 1, Contract Data.

Section 2: Definitions of Certain Terms (continued)

2.21 Net Investment Factor
The ratio of the subaccount performance of the current valuation day to the
immediately prior valuation day. The subaccount performance includes gains or
losses in the subaccounts, dividends paid, any capital gains or losses, any
taxes, and mortality and expense risk charges.

2.22 Net Premium
The premium payment minus the applicable premium expense charges.

2.23 Nontobacco
A rate class that defines an Insured who does not use tobacco products in any
form during the time period as defined in our underwriting guidelines.

2.24 Owner
The person entitled to exercise all rights and privileges provided in this
contract.

2.25 Planned Premium Payments
The amount and frequency of premium payments you elected to pay in your last
application. This is only an indication of your preference of future premium
payments. You may change the amount and frequency of premium payments at any
time. Section 5.8 , Grace Period for Contract, describes the amount of premium
required to keep your contract in force. Section 5.6, Guaranteed Minimum Death
Benefit Option Premium Requirement, describes the amount of premium required to
keep the guaranteed minimum death benefit option in force. The actual amount
and frequency of premium payments will affect the contract value and the amount
and duration of insurance.

2.26 Premium Expense Charges
The premium expense charges are the amounts we deduct from each premium payment.
These charges are shown in Section 1, Contract Data.

2.27 Proceeds
The total amount we are obligated to pay under the terms of this contract.

2.28 Reallocation Date
The date the contract value in the money market subaccount is allocated to the
subaccounts and to the fixed account based on the net premium payment allocation
percentages specified in the application. The reallocation date is 30 days after
the allocation date.

2.29 Specified Amount
The total sum insured less any additional insurance amount provided under this
contract. The actual death benefit will depend upon the coverage option in
effect at the time of death of the last surviving Insured.

2.30 Subaccounts
The division of accounts making up the variable account. The assets of each
subaccount are invested in a corresponding portfolio of a designated mutual
fund.

2.31 Target Premium
The annual target premium amount is shown in Section 1, Contract Data.

2.32 Tobacco
A rate class that defines an Insured who uses tobacco products in any form
during the time period as defined in our underwriting guidelines.

2.33 Total Sum Insured
The total sum insured equals the sum of the specified amount and any additional
insurance amount provided under this contract. This amount does not include any
additional benefits provided by riders.

2.34 Valuation Day
Each day on which both the New York Stock Exchange and Kansas City Life are open
for business.

2.35 Valuation Period
The interval of time commencing at the close of business one valuation day and
ending at the close of business on the next succeeding valuation day.

2.36 Variable Account
The Kansas City Life Variable Life Separate Account. This is not part of our
general account. The variable account has subaccounts each of which is invested
in a corresponding portfolio of a designated mutual fund.

2.37 Variable Account Value
The total value of a contract allocated to subaccounts of the variable account.

2.38 We, Our, Us
Kansas City Life Insurance Company.

2.39 Written Notice
A written notice or notice in a form satisfactory to us, which is signed by the
owner and received at the Home Office.

Section 2: Definition of Certain Terms (continued)

2.40 You, Your
The owner of this contract. The owner may be someone other than the Insureds.

Section 3: Contract Proceeds

3.1 Payment of Proceeds
We will pay the death proceeds to the beneficiary upon receiving proof of death
of the last surviving Insured while this contract is in force. We may also
require proof of death of the Insured who died first. When the proceeds are
paid, this contra ct must be returned to us.

Death proceeds will be increased by any premiums received after the date of
death of the last surviving Insured. Death proceeds will be decreased by any
unpaid indebtedness.

To the extent permitted by law, proceeds will not be subject to any claims of a
beneficiary's creditors.

3.2 Amount of Proceeds Payable at Death
The amount of proceeds payable upon the death of the last surviving Insured is
determined according to the coverage option you have elected. The coverage
option you elected is shown in Section 1, Contract Data. The death benefit
will be the greater of the amount determined by the coverage option you have
elected or the corridor death benefit, as described in Section 3.3.

Coverage Option A
The death benefit is the total sum insured on the date of death of the
last surviving Insured.

Coverage Option B
The death benefit is the total sum insured on the date of death of the
last surviving Insured, plus the contract value on the date of such
death.

Coverage Option L
The death benefit will be the sum of:

(1) the total sum insured on the date of death of the last
surviving Insured; plus

(2) an amount calculated on the last contract anniversary
equal to the contract value multiplied by the applicable
Option L death benefit percentage in Table Two as shown
in Section 1, Contract Data, less the total sum insured.

3.3 Corridor Death Benefit
The corridor death benefit is calculated by multiplying the contract value on
the date of death of the last surviving Insured by the applicable corridor
percentage in Table Two as shown in Section 1, Contract Data.

The purpose of the corridor percentages is to ensure that your contract will not
be disqualified as a life insurance contract under Section 7702 of the Internal
Revenue Code, as amended.

If changes occur in the Internal Revenue Code which would disqualify this
contract as a life insurance contract, we reserve the right to amend this
contract in order to make it qualify under any new federal income tax laws.

3.4 Guaranteed Minimum Death Benefit Option
The guaranteed minimum death benefit option is only available at issue, and it
is not available if Coverage Option B is elected or if the additional insurance
amount exceeds or is scheduled to exceed the specified amount at issue. If the
guaranteed minimum death benefit option has been elected at issue, it will be
shown in Section 1, Contract Data. This option guarantees payment of the
specified amount upon the death of the last surviving Insured, regardless of
this contract's investment performance, provided the cumulative paid premiums
equal or exceed the cumulative guaranteed minimum death benefit option premium,
plus indebtedness, on each monthly anniversary day. These premiums are defined
in Section 5.6, Guaranteed Minimum Death Benefit Option Premium Requirement.
The charge for this option is shown in Section 1, Contract Data.

The guaranteed minimum death benefit option, if elected, does not guaranteed the
additional insurance amount.

3.5 Proceeds Applied Under Settlement Options
Prior to the death of the last surviving Insured you may elect to apply
surrender proceeds under any settlement option described in Section 12,
Settlement Options. The amount of proceeds will be equal to the cash surrender
value.

3.6 Proceeds Payable Upon Surrender
The proceeds payable upon surrender will be the cash surrender value as defined
in Section 8.9, Cash Surrender.

The amount of proceeds payable upon a partial surrender is defined in Section
8.10, Partial Surrenders.

Section 3: Contract Proceeds (continued)

3.7 Interest on Death Proceeds
We will pay interest on single sum death proceeds from the date of the death of
the last surviving Insured until the date of payment. Interest will be at an
annual rate determined by us, but never less than the rate required by the state
in which this contract is delivered.

Section 4: General Provisions

4.1 Contract
This contract and application and any supplemental applications are the entire
contract. This contract is issued in consideration of the application and
payment of the premiums. A copy of any application is attached when this
contract is issued and any supplemental applications will be attached to or
endorsed on this contract when the supplemental coverage becomes effective.

In the absence of fraud, all statements made in any applications either by you
or by the Insureds will be considered representations and not warranties.
Statements may be used to contest a claim or the validity of this contract only
if they are contained in an application.

4.2 Incontestability
After this contract has been in force during the Insureds' lifetime for two
years from the contract date, we cannot contest this contract, unless this
contract lapses as described in Section 5.8, Grace Period for Contract.

Any increase in the additional insurance amount will not be contested after the
increase has been in force during the Insureds' lifetime for two years following
the effective date of the increase.

4.3 Suicide
If either Insured dies by suicide, while sane or insane, within two years of the
contract date, this contract will terminate on the date of such suicide and the
amount payable by us will be equal to the contract value less any indebtedness
on the date of death.

If either Insured dies by suicide, while sane or insane, within two years after
the effective date of any increase in the additional insurance amount, this
contract will terminate on the date of such suicide and the amount payable by us
associated with such increase will be limited to the aggregate cost of insurance
for the increase prior to the date of death.

4.4 Age and Sex
If, while this contract is in force and one or both Insureds are alive, it is
determined that the age or sex of either Insured as stated in Section 1,
Contract Data is not correct, we will adjust the contract value under this
contract. The adjustment to the contract value will be the difference between
the following two amounts accumulated at 4% interest annually. The two amounts
are:

(1) the cost of insurance deductions that have been made; and

(2) the cost of insurance deductions that should have been made.

If, after the death of the last surviving Insured and while this contract is in
force, it is determined that the age or sex of either Insured as stated in
Section 1, Contract Data is not correct, the death benefit will be the net
amount at risk that the most recent cost of insurance deductions at the correct
age and sex would have provided plus the contract value on the date of such
death.

4.5 Termination of Coverage
Coverage under this contract terminates when any of the following events occur:

(1) you request that coverage terminate;

(2) the last surviving Insured dies; or

(3) this contract lapses, as described in Section 5.8, Grace Period
for Contract, and the grace period ends without sufficient
premiums being paid.

4.6 Modifications
Upon notice to you, we may modify this contract, but only if such modification
is necessary to:

(1) make this contract or the variable account comply with any law
or regulation issued by a governmental agency to which we are
subject; or

(2) assure continued qualification of this contract under the
Internal Revenue Code or other federal or state laws relating to
variable life contracts; or

(3) reflect a change in the operation of the variable account; or

(4) provide additional variable account and/or fixed accumulation
options.

Section 4: General Provisions (continued)

We reserve the right to modify this contract as necessary to attempt to prevent
the contract owner from being considered the owner of the assets of the
variable account. In the event of any such modification, we will issue an
appropriate endorsement to this contract, if required.

4.7 Nonparticipating
This contract is nonparticipating. It will not participate in any of our
profits, losses or surplus earnings.

4.8 Annual Report
At least annually we will send you a report about your contract. The report
will show:

(1) current total sum insured;

(2) current additional insurance amount;

(3) current specified amount;

(4) current death benefit;

(5) contract value;

(6) value in the fixed account;

(7) number of accumulation units, accumulation unit value and total value in
each of the subaccounts of the variable account;

(8) cash surrender value;

(9) partial surrenders since the last report;

(10) premiums paid since the last report;

(11) all deductions since the last report;

(12) amount of any indebtedness; and

(13) loan repayments, since the last report.

Upon receiving your written request, we will send you a report at any other time
during the year.

Section 5: Premium and Reinstatement Provisions

5.1 Payment
Your first premium must be paid when this contract is delivered. After the
first premium has been paid, subsequent premiums may be paid at any time. There
is no insurance until the first premium is received by us. All premiums after
the first are payable at the Home Office or to a representative authorized to
receive premiums. A receipt signed by us will be furnished on request.

5.2 Right to Refund
If we receive a premium payment which affects the tax qualification of this
contract as described in Section 7702 of the Internal Revenue Code, as amended,
we will inform you of this. We will offer you the choice of a refund of the
premium, or the o ption to increase the additional insurance amount subject to
our underwriting requirements. If you choose to increase the additional
insurance amount, and the Insured fails to meet our underwriting requirements
for the required increase in coverage, we reserve the right to refund, with
interest, any premium that would cause your contract to not be in compliance
with Section 7702.

5.3 Planned Premium Payments
The planned annual, semi-annual, quarterly or monthly premium payment is shown
in Section 1, Contract Data.

5.4 Amount and Frequency
Planned premiums may be paid annually, semi-annually, quarterly or monthly. You
may change the amount and frequency of planned premium payments at any time.
However, the actual amount and frequency of premium payments will affect the
contract value and the amount and duration of insurance. Each premium payment
will be credited by us as described in Section 8, Contract Values.

The premium paid during the first contract year must by equal to or greater than
the minimum premium shown in Section 1, Contract Data.

We reserve the right to limit the amount of any increase in planned premium
payment.

5.5 Unscheduled Premiums
Unscheduled premiums may be paid at any time. We reserve the right to limit the
number and amount of unscheduled premium payments. Satisfactory evidence of
insurability may be required prior to the acceptance of any unscheduled premium
payments.

Unscheduled premiums are subject to the requirements of Section 5.2, Right to
Refund, if such premiums would require an increase in the death benefit under
Section 7702 of the Internal Revenue Code, as amended.

5.6 Guaranteed Minimum Death Benefit Option Premium Requirement
The guaranteed minimum death benefit option premium is the amount which
guarantees that the
Section 5: Premium and Reinstatement Provisions (continued)

guaranteed minimum death benefit option will remain in effect. To determine if
the guaranteed minimum death benefit option premium requirement has been met,
the cumulative paid premiums must equal or exceed the cumulative guaranteed
minimum death be nefit option premium, plus indebtedness, on each monthly
anniversary day.

The cumulative paid premium is an amount equal to premiums paid less partial
surrenders as described in Section 8.10, Partial Surrenders, each accumulated at
an annual effective interest rate of 4% to the date the guaranteed minimum death
benefit option premium requirement is tested.

The cumulative guaranteed minimum death benefit option premium is an amount
equal to the guaranteed minimum death benefit option premium shown in Section 1,
Contract Data, paid monthly, each accumulated at an annual effective interest
rate of 4% from the date of issue up to the date the guaranteed minimum death
benefit option premium requirement is tested.

If the guaranteed minimum death benefit option premium requirement is not met,
the guaranteed minimum death benefit option is in default. A 61-day notice
period begins on the day we mail the notice that the guaranteed minimum death
benefit option is in default and the premium required to maintain the guaranteed
minimum death benefit option. The default premium will be the amount by which
the cumulative guaranteed minimum death benefit option premium plus indebtedness
is greater than the cumulat ive paid premium. The guaranteed minimum death
benefit option will terminate if sufficient premium is not paid by the end of
the notice period.

If this contract contains an additional insurance amount or other optional
benefit riders, then in addition to testing the guaranteed minimum death benefit
option premium as outlined above, the contract value will be tested to ensure
that this contra ct is funded at a sufficient level to support the additional
insurance amount or other optional benefit riders. On each monthly anniversary
day the cash surrender value will be tested to determine if it is sufficient to
cover the monthly deductions. If not, a 61-day notice period begins on the day
we mail notice of the default premium amount. The default premium will be equal
to the payment which would be sufficient to provide a cash surrender value equal
to three monthly deductions. The addit ional insurance amount and other
optional benefit riders will be removed from this contract if payment at least
equal to the default premium is not received by the end of the notice period.

5.7 Reactivation of the Guaranteed Minimum Death Benefit Option
The contract owner may apply to have the guaranteed minimum death benefit option
reactivated within two years of termination of such option.

Reactivation requires:

(1) a written notice to restore the guaranteed minimum death benefit option;

(2) evidence of insurability of the Insureds satisfactory to us, unless
reactivation is requested within one year after the beginning of the notice
period; and

(3) payment of the amount by which the cumulative guaranteed minimum
death benefit option premium, plus indebtedness, exceeds the cumulative paid
premiums on the date of reactivation, as described in Section 5.6, Guaranteed
Minimum Death Benefit Option Premium Requirement.

On the monthly anniversary day on which the reactivation takes effect, we will
deduct from the contract value any unpaid guaranteed minimum death benefit
option charges as described in Section 1, Contract Data. We reserve the right to
deny reactivati on of the guaranteed minimum death benefit option more than once
during the life of this contract.

5.8 Grace Period for Contract
If the guaranteed minimum death benefit option has not been elected or has been
removed, a grace period begins if the cash surrender value on a monthly
anniversary day will not cover the monthly deduction for the month beginning on
that monthly anniversary day.

A 61-day grace period will begin on the day we mail notice of the premium
required to keep this contract in force. A total premium sufficient to provide a
cash surrender value equal to the next three monthly deductions must be paid
during the grace p eriod to keep this contract in force.

This contract will terminate without value if sufficient premium is not paid by
the end of the grace period.

Section 5: Premium and Reinstatement Provisions (continued)

The cash surrender value and monthly deductions are described in Section 8,
Contract Values. If the last surviving Insured dies during the grace period, any
past due monthly deductions will be deducted from the death benefit proceeds.

5.9 Reinstatement of Contract
If the grace period expires without sufficient premiums being paid, this
contract may be reinstated within two years after the expiration of the grace
period. Your contract cannot be reinstated if it has been surrendered.

Reinstatement is subject to:

(1) receipt of evidence of insurability of the Insureds satisfactory
to us; and

(2) payment of the premium amount which would have been sufficient
to keep this contract from lapsing, as described in Section 5.8,
Grace Period for Contract, with 6% interest from the date of
lapse; plus

(3) payment of three monthly deductions.

If this contract lapses and it is reinstated, we cannot contest the reinstated
contract after this contract has been in force during the Insureds' lifetime for
two years from the date of the reinstatement application.

Section 6: Ownership, Assignment and Beneficiary Provisions

6.1 Ownership
The owner is shown in the application or in the last ownership designation filed
with us. As owner, you may exercise every right provided by your contract.
These rights and privileges end at the death of the last surviving Insured.

The consent of the beneficiary is required to exercise these rights if you have
not reserved the right to change the beneficiary.

6.2 Change of Ownership
You may change the ownership of this contract by giving written notice to us at
our Home Office. The change will be effective on the date your request was
signed but will have no effect on any payment made or other action taken by us
before we recei ve it. We may require that this contract be submitted for
endorsement to show the change.

6.3 Assignment
An assignment is a transfer of some or all of your rights under this contract.
No assignment will be binding on us unless made in writing and filed at our Home
Office. We assume no responsibility for the validity or effect of any
assignment.

6.4 Beneficiary
The beneficiary is shown on the application or in the last beneficiary
designation filed with us. Death proceeds will be paid to the beneficiary
except as provided in this Section.

If any beneficiary dies before the death of the last surviving Insured, that
beneficiary's interest will pass to any other beneficiaries according to their
respective interests.

If all beneficiaries die before the death of the last surviving Insured, we will
pay the death proceeds to you, if living, otherwise to your estate or legal
successors.

Unless you have waived the right to do so, you may change the beneficiary by
filing a written request in a form satisfactory to us. In order to be
effective, the written request for change of beneficiary must be signed while
your contract is in force and one or both Insureds are living. The change will
be effective on the date your request was signed but will have no effect on any
payment made or other action taken by us before we receive it.

The interest of any beneficiary will be subject to:

(1) any assignment of this contract which is binding on us; and

(2) any optional settlement agreement in effect at the death of the
last surviving Insured.

6.5 Simultaneous Death of Beneficiary and the Last Surviving Insured
Death proceeds will be paid as though the beneficiary died before the death of
the last surviving Insured if:

(1) the beneficiary dies at the same time as or within 15 days of
the death of the last surviving Insured; and

(2) we have not paid the proceeds to the beneficiary within this 15-day period.

Section 7: Contract Change Provisions

7.1 Right to Change
You may request the changes provided for in this Section at any time. Your
request must be in writing to us at our Home Office.

7.2 Decreases in Total Sum Insured
The total sum insured may be decreased after the contract has been in force for
one year. When a decrease in total sum insured is made, we will first reduce
any additional insurance amount remaining and only then reduce the specified
amount. If the specified amount is decreased, the guaranteed minimum death
benefit option coverage amount will be decreased by the same amount.

Once the total sum insured has been decreased, it cannot be decreased again for
the next twelve months. The effective date of decrease will be the monthly
anniversary day on or next following the date we receive your application for
decrease.

We reserve the right to decline to make any total sum insured decrease that we
determine would cause this contract to not qualify as life insurance under
applicable tax laws.

We reserve the right to require that the total sum insured remaining in force
after any requested decrease may not be less than the Minimum Total Sum Insured
shown in Section 1, Contract Data.

A decrease in the total sum insured will not decrease the Target Premium or
Guaranteed Minimum Death Benefit Option Premium, as shown in Section 1, Contract
Data.

7.3 Increases in Additional Insurance Amount
The additional insurance amount may be increased after the contract has been in
force for one year. Once the additional insurance amount has been increased, it
cannot be increased again for the next twelve months. The effective date of
increase will be the monthly anniversary day on or next following the date we
receive and approve your application for increase.

Increases to the additional insurance amount may be made either through
scheduled annual increases or requested increases. The maximum additional
insurance amount allowed at issue is four times the specified amount. After
issue, the additional insu rance amount may increase to a maximum of eight times
the specified amount through scheduled annual increases.

Scheduled increases to the additional insurance amount, subject to our approval,
may be based on a flat amount annual increase or a percentage annual increase,
as shown in Section 1, Contract Data. The percentage increase will be based on
the specifi ed percentage of the additional insurance amount at the time the
scheduled increase occurs. The guaranteed minimum death benefit option will not
be available if the additional insurance amount exceeds or is scheduled to
exceed the specified amount at issue.

Any requested, unscheduled increase in the additional insurance amount must be
at least $10,000, and an application must be submitted. We reserve the right to
require satisfactory evidence of insurability.

7.4 Change in Coverage Option
The coverage option can be changed any time after the contract has been in force
one year. Once the coverage option has been changed, it cannot be changed again
for the next twelve months. Coverage Option L is only available at issue.

If the coverage option is Option B or Option L, it may be changed to Option A.
The total sum insured will not change. The effective date of change will be the
monthly anniversary day on or next following the date we receive and approve
your application for change.

If the coverage option is Option A or Option L, it may be changed to Option B
subject to evidence of insurability satisfactory to us. The new total sum
insured will be the greater of the total sum insured less the contract value as
of the date of change; or $25,000. The effective date of change will be the
monthly anniversary day on or next following the date we receive and approve
your application for change. If the coverage option is changed to Option B, the
guaranteed minimum death benefit option, if in effect, will terminate.

We reserve the right to decline any coverage option change that we determine
would cause this contract to not qualify as life insurance under applicable tax
laws.

7.5 Changing Your Contract
Any change to your contract that is not provided for in this Section must be
approved by us and signed by our President, Vice President, Secretary or
Assistant Secretary.

Section 7: Contract Change Provisions (continued)

An approved change must be endorsed on or attached to your contract. No agent
has the authority to make any changes or waive any of the terms of your
contract.

Section 8: Contract Values

8.1 Net Premium
The net premium is the premium payment received less the premium expense charges
shown in Section 1, Contract Data.

8.2 Contract Value
As of the contract date the contract value equals:

(1) the initial net premium paid; less

(2) the monthly deductions, as defined in Section 2.19 of this
contract.

On any day after the contract date, the contract value is equal to the fixed
account value (including the loan account value) plus the variable account
value.

8.3 Fixed Account Value
As of the contract date the fixed account value equals:

(1) the portion of the net premium allocated to the fixed account;
less

(2) the portion of the monthly deduction allocated to the fixed
account.

On each valuation day the fixed account value will be equal to:

A + B + C - D - E - F

"A" is the fixed account value on the preceding valuation day plus interest from
the preceding valuation day to the date of calculation.

"B" is the portion of the net premiums allocated to the fixed account and
received since the preceding valuation day, plus interest from the date such net
premiums were received to the date of calculation.

"C" is the amount of any transfers from the subaccounts to the fixed account
since the preceding valuation day, plus interest on such transferred amounts
from the effective dates of such transfers to the date of calculation.

"D" is the amount of any transfers from the fixed account, to the subaccounts
since the preceding valuation day, plus interest on such transferred amount from
the effective dates of such transfers to the date of calculation.

"E" is the amount of any partial surrenders deducted from the fixed account
since the preceding valuation day, plus interest on these surrendered amounts
from the effective date of the partial surrenders to the date of calculation.

"F" is a pro rata share of the monthly deductions, as described in Section 8.6,
Monthly Deductions, for the month beginning on that monthly anniversary day.

8.4 Interest Rate for Fixed Account Value
The value in the fixed account is guaranteed to accumulate at a minimum
effective annual interest rate of 4%. We may credit a rate in excess of 4%
while this contract is in force.

The interest rate credited to new deposits can be changed at any time by us.
The interest rate credited to funds in the fixed account will not change more
often than once each year.

8.5 Variable Account Value
The variable account value is the sum of the values of the subaccounts under
this contract.

As of the allocation date the value of each subaccount equals:

(1) the portion of the initial net premium allocated to the
subaccount; less

(2) the pro rata share of the monthly deductions and the mortality
and expense risk charge allocated to the subaccounts.

8.6 Monthly Deductions
We will make monthly deductions from the contract value on each monthly
anniversary day equal to the sum of the following:

(1) the monthly cost of insurance, as described in Section 8.7, Cost
of Insurance;

(2) the monthly expense charges, as shown in Section 1, Contract
Data; and

Section 8: Contract Values (continued)

(3) the monthly deductions for optional benefit charges and any
additional benefits provided by riders, as shown in Section 1,
Contract Data.

8.7 Cost of Insurance
The cost of insurance rates used will not exceed those shown in Table One,
Section 1, Contract Data.

The cost of insurance on any monthly anniversary day is equal to:

Q x (R - S)
1000

"Q" is the cost of insurance rate (as described in Monthly Cost of Insurance
Rates, Section 1, Contract Data.)

"R" is the Insureds' death benefit on that day divided by no less than
1.0032737.

"S" is the contract value, as described in Section 8.2, Contract Value, prior to
subtracting the cost of insurance.

8.8 Cost of Additional Benefits Provided by Riders
The cost of additional benefits provided by riders will be shown in Section 1,
Contract Data.

8.9 Cash Surrender
You may surrender this contract for its cash surrender value at any time by
submitting a signed request to us.

The cash surrender value of this contract is:

(1) the contract value of this contract at the time of surrender;
less

(2) any indebtedness on this contract.

We will also refund any cost of insurance deducted for the period beyond the
date of contract surrender.

8.10 Partial Surrenders
At any time before the death of the last surviving Insured, you may surrender a
portion of the contract value and have the proceeds paid to you in a lump sum.
At the time of the partial surrender we will add the partial surrender fee shown
in Section 1, Contract Data, to the partial surrender amount. The minimum
partial surrender requested must be for at least $500. The maximum partial
surrender is the cash surrender value, less $300. We will deduct the partial
surrender amount from the contr act value on the day written notice for the
partial surrender is received at our Home Office.

We will pay you the amount requested and cancel units equal to the amount
surrendered from the subaccounts and/or the fixed account according to your
instructions. If you provide no instructions, the partial surrender amount will
be deducted from the subaccounts and/or the fixed account on a pro rata basis.
In the event that the partial surrender amount exceeds the subaccount(s) value
and/or the fixed account value, we will process the partial surrender for the
amount available and contact you for further instructions.

Under Options A and L, the contract value will be reduced by the partial
surrender amount. The total sum insured will be reduced by the partial
surrender amount minus the excess, if any, of the death benefit at the time the
partial surrender is made , over the total sum insured at the time the partial
surrender is made. The total sum insured will be reduced as shown in Section
7.2, Decreases in Total Sum Insured.

However, if the partial surrender amount is less than or equal to the excess of
the death benefit over the total sum insured, the total sum insured will not be
reduced.

Under Option B, the contract value will be reduced by the partial surrender
amount.

We reserve the right to reject a partial surrender request if:

(1) the partial surrender would reduce the total sum insured below the minimum
total sum insured as shown in Section 1, Contract Data; or

(2) the partial surrender would cause the contract to fail to qualify as a life
insurance contract under applicable tax laws.

Certain federal income tax consequences may apply to partial surrenders from
this contract. Therefore, you should consult with your tax advisor before
requesting any partial surrenders.

8.11 Time Period for Payment
Any partial surrender, cash surrender value, loan or death benefit will usually
be paid within seven days of receiving your written notice in our Home Office,
or receipt and filing of due proof of death of the Insureds. However, we have
the right to suspend or delay the date of any surrender, partial surrender, loan
or death benefit payment from the subaccounts for any period during which:

Section 8: Contract Values (continued)

(1) the New York Stock Exchange is closed, other than customary
weekend and holiday closings, or trading on the New York Stock
Exchange is restricted as determined by the Securities and
Exchange Commission; or

(2) the Securities and Exchange Commission permits by an order the
postponement for the protection of contract owners; or

(3) the Securities and Exchange Commission determines that an
emergency exists that would make the disposal of securities held in the variable
account or the determination of the value of the variable account's net assets
not reasonably p racticable.

For any surrender, partial surrender, loan or transfer from the fixed account,
we have the right to postpone making a payment to you for not more than six
months from the date of written notice. If payment is not made within 30 days
after receipt of documentation necessary to complete the transaction, or such
shorter period required by a particular jurisdiction, interest will be added to
the amount paid from the date of receipt of documentation at 4% or such higher
rate required for a particular state.

8.12 Extended Term Insurance
If your contract lapses, as described in Section 5.8, Grace Period for Contract,
the cash surrender value will be applied to continue the total sum insured and
any additional benefits provided by riders for a portion of the next month.

The amount of extended term insurance is determined according to the coverage
option in effect as of the date insurance is extended under this option.

8.13 Basis of Computation
Reserves are based on the 1980 Commissioners Standard Ordinary Smoker or
Nonsmoker Mortality Tables, age last birthday at 4.5% per year. Reserves will
never be less than those provided for using the Commissioners Reserve Valuation
Method.

Guaranteed fixed account values and reserves under this contract are equal to,
or greater than, the minimum values required by law of the state in which your
contract is delivered. Where required, a detailed statement of the method of
computing these values has been filed with the insurance department of that
state.

The guaranteed fixed account values are based on the minimum guaranteed interest
rate as stated in Section 8.4, Interest Rate for Fixed Account Value, and the
guaranteed cost of insurance rates as shown in Table One, Section 1, Contract
Data.

Section 9: Loan Provisions

9.1 Contract Loans
You may obtain a contract loan by submitting a signed request to us. This
contract assigned to us is the only security needed.

When a loan is made, an amount equal to the loan will be transferred from the
fixed and variable accounts and transferred to the loan account. The loan
account is part of the fixed account, which is part of our general account. If
allocation instructions are not specified in your loan application, the loan
will be withdrawn pro rata from all subaccounts of the variable account having
subaccount values and from the fixed account.

Amounts transferred to the loan account do not participate in the investment
experience of the fixed or variable account from which they were withdrawn.
Amounts in the loan account will earn interest at the minimum guaranteed
effective annual interes t rate of 4.0% per year. Different interest rates may
be applied to the loan account than the fixed account. Any interest credited on
loaned amounts will remain in the fixed account.

You may repay your contract loan in full or in part while your contract is in
force prior to the death of the last surviving Insured. Repayments must be
clearly marked as "loan repayments" or they will be credited as premiums. Each
loan repayment will result in a transfer of an amount equal to the loan
repayment from the loan account to the fixed and/or variable account. Your
current premium allocation schedule will be used to allocate the loan
repayments. We reserve the right to not accept pa rtial loan repayments for
amounts less than $50.

A loan that exists at the end of the grace period may not be repaid unless this
contract is reinstated.

9.2 Amount of Loan Available
The amount of loan available will be equal to the cash surrender value of this
contract less any loan interest to the next contract anniversary.

Section 9: Loan Provisions (continued)

9.3 Loan Interest
Interest will be charged on a contract loan from the date of the loan at the
rate of 6% per year. We may establish a lower rate for any period for which the
contract loan is outstanding.

Interest is payable at the end of each contract year and on the date the loan is
repaid. If interest is not received by the contract anniversary, we will
transfer the accrued loan interest from the fixed and variable accounts to the
loan account on a pro rata basis.

9.4 Indebtedness
Indebtedness means all unpaid contract loans and accrued loan interest. Any
outstanding indebtedness will be deducted from the contract proceeds.

Your contract is terminated whenever your cash surrender value is no longer
positive. We will mail notice to your last known address recorded with us and
to the holder of any assignment of record at least 31 days before such
termination.

Section 10: The Variable Account

10.1 General Description
The name of the variable account is the Kansas City Life Variable Life Separate
Account. The income, gains and losses, whether or not realized, from assets
allocated to the variable account are credited or charged against the variable
account without regard to our other income, gains or losses. The portion of the
assets of the variable account equal to the reserves and other contract
liabilities with respect to the variable account will not be chargeable with
liabilities arising out of any other business we may contract.

The assets of the variable account are segregated by investment options, thus
establishing a series of subaccounts within the variable account.

When permitted by law, we reserve the right to:

(1) create new separate accounts;

(2) combine separate accounts;

(3) remove, combine or add subaccounts and make the new subaccounts
available to you at our discretion;

(4) substitute shares of another portfolio of the funds or shares of
another investment company for those of the funds;

(5) add new portfolios to the funds;

(6) deregister the variable account under the Investment Company Act
of 1940 if registration is no longer required;

(7) make any changes required by the Investment Company Act of 1940;
and

(8) operate the variable account as a managed investment company
under the investment Company Act of 1940 or any other form
permitted by law.

If a change is made, we will send you a revised prospectus and any notice
required by law. If required, we would first seek the approval of the
Securities and Exchange Commission, and when required, the appropriate state
regulatory authorities befor e making a change in the investment options.

10.2 Subaccounts
The subaccounts are separate investment accounts. They are named in Section 1,
Contract Data.

The subaccount values will fluctuate in accordance with the investment
experience of the applicable portfolio of the fund held within the subaccount.

The subaccount value is determined by multiplying the number of accumulation
units credited to the subaccount by the appropriate accumulation unit value.

The number of accumulation units to be purchased or redeemed in a transaction is
found by dividing:

(1) the dollar amount of the transaction; by

(2) the subaccount's unit value for the valuation period for that
transaction.

The number of units in any subaccount will be increased at the end of the
valuation period by any net premiums allocated to the subaccount during the
current valuation period and by any transfers to the subaccount from another
subaccount or from the fixed account during the current valuation period. The
number of units in any subaccount will be decreased at the end of the valuation
period by any amounts transferred from the subaccount to another subaccount or
the fixed account or surrendered during the current valuation period. The
number of units in any subaccount will also be reduced on each monthly
anniversary day by a pro rata share of the monthly deduction. The monthly
deduction will reduce the
Section 10: The Variable Account (continued)

subaccount units in proportion to each subaccount's value to the entire contract
value.

The value of an accumulation unit for each of the subaccounts has been
arbitrarily set at $10 when the first investments were bought. The value for
any later valuation period is equal to:

A x B

"A" is equal to the subaccount's accumulation unit value for the end of the
immediately preceding valuation day.

"B" is equal to the net investment factor for the most current valuation day.

The net investment factor equals:

X - Z
Y

"X" equals the sum of:

(1) the net asset value per accumulation unit held in the subaccount
at the end of the current valuation day; plus

(2) the per accumulation unit amount of any dividend, or capital
gain distribution on shares held in the subaccount during the
current valuation day; less

(3) the per accumulation unit amount of any capital loss
distribution on shares held in the subaccount during the current
valuation day; less

(4) the per accumulation unit amount of any taxes or any amount set
aside during the valuation day as a reserve for taxes.

"Y" equals the net asset value per accumulation unit held in the subaccount as
of the end of the immediately preceding valuation day.

"Z" equals the charges deducted from the subaccount on each valuation day for
the mortality and expense risk charge.

The mortality and expense risk charge is deducted from each of the subaccounts
on each valuation day and compensates us for assuming the mortality and expense
risks under this contract. These charges are shown in Section 1, Contract Data.

The net investment factor may be greater, less than or equal to one. Therefore,
the value of the subaccount may increase, decrease or remain the same.

10.3 Allocations
This contract provides investment options for the amount in the contract value.
The initial premium allocation percentages are indicated in the application for
this contract, a copy of which is attached. These percentages will also apply
to subsequent premium allocations until you change them.

Allocation percentages must be zero or a whole number not greater than 100. The
sum of the premium allocation percentages must equal 100.

We reserve the right to limit the number of subaccount allocations in effect at
any one time.

On the allocation date the contract value will be allocated to the money market
subaccount. Any subsequent premiums that are received from this time until the
reallocation date, will also be allocated to the money market subaccount. On
the reallocation date, contract value in the money market subaccount will be
allocated to the subaccounts and to the fixed account based on the premium
payment allocation percentages in the contract application. After the
reallocation date, planned periodic pre miums and unscheduled premiums will be
allocated as requested on the valuation day they are received by the Home
Office.

Section 11: Transfer Privilege

11.1 Transfer Fees
Six transfers per year may be made from subaccounts and the fixed account free
of charge. Any unused free transfers do not carry over to the next contract
year. Any additional transfers during a contract year will be charged a $25
transfer fee. For the purpose of assessing a fee, each written request or
telephone request is considered to be one transfer. The processing fee will be
deducted from the amount being transferred, or from the remaining contract
value, according to your instructions.

11.2 Transfers From Subaccounts
After the right to examine period, you may transfer all or a part of an amount
from the value in any subaccount of the variable account to one or more of the
subaccounts of the variable account or to the fixed account. The minimum amount
that you may transfer is the lesser of:

Section 11: Transfer Privilege (continued)

(1) $250; or

(2) the total value in that subaccount on that date.

Any transfer that would reduce the amount in a subaccount below $250 will be
treated as a transfer request for the entire amount in that subaccount.

A transfer fee may apply as described in Section 11.1, Transfer Fees.

We may suspend or modify this transfer privilege at any time.

11.3 Transfers From The Fixed Account
At your request you may also transfer an amount from the unloaned value in the
fixed account to one or more subaccounts of the variable account. We must
receive the request in writing or other form acceptable to us. Only one
transfer may be made fr om the fixed account each contract year. Transfers will
only be made if the amount requested is not more than 25% of the unloaned value
in the fixed account.

We will not transfer more than 25% of the unloaned fixed account value, unless
the balance after the transfer is less than $250, in which case the entire
amount will be transferred.

A transfer fee may apply as described in Section 11.1, Transfer Fees.

We may suspend or modify this transfer privilege at any time.

Section 12: Settlement Options

12.1 Payment Options
You may apply proceeds of $2,000 or more which are payable under this contract
to any of the following options:

Option 1. Interest Payments
We will make interest payments to the payee annually or monthly as
elected. Interest on the proceeds will be paid at the guaranteed rate
of 3.0% per year and may be increased by additional interest paid
annually. The proceeds and any unpaid interest may be withdrawn in full
at any time.

Option 2. Installments of a Specified Amount
We will make annual or monthly payments until the proceeds plus interest
are fully paid. Interest on the proceeds will be paid at the guaranteed
rate of 3.0% per year and may be increased by additional interest. The
present value of any unpaid installments may be withdrawn at any time.

Option 3. Installments For a Specified Period
Payment of the proceeds may be made in equal annual or monthly payments
for a specified number of years. Interest on the proceeds will be paid
at the guaranteed rate of 3.0% per year and may be increased by
additional interest. The present value of any unpaid installments may
be withdrawn at any time. The amount of each payment is shown in Table
A.

Option 4. Life Income
We will pay an income during the payee's lifetime. A minimum guaranteed
payment period may be chosen. Payments received under the Installment
Refund Option will continue until the total income payments received
equal the proceeds applied. The amount of each payment is shown in
Table B.

Option 5. Joint and Survivor Income
We will pay an income during the lifetime of two persons and will
continue to pay the same income as long as either person is living. The
minimum guaranteed payment period will be ten years. The amount of each
payment is shown in Table C.

If the payout rates in use by us at the time proceeds become payable are more
favorable than those shown in Options 4 and 5, we will provide a life income
using the more favorable rates.

These options are supported by our general account. The payments will not
reflect the investment experience of the variable account.

12.2 Payee
The payee is the person receiving proceeds under a settlement option. The payee
can be you, an Insured or a beneficiary. We will require satisfactory proof of
the payee's age under Options 4 and 5.

The contingent payee is the person named to receive proceeds if the payee is not
alive.

Section 12: Settlement Options (continued)

12.3 Minimum Payments
The payment under any settlement option must be at least $50. We may make
payments less frequently so that each payment is at least $50.

12.4 Choice of Options
You may choose an option by written notice during one or both Insureds lifetime.
If a settlement option is not in effect at the death of the last surviving
Insured, a choice may be made by the beneficiary.

12.5 Availability of Options
We reserve the right to restrict these options if you designate an executor,
administrator, trustee, corporation, partnership or association as the payee.

12.6 Operative Date
The first payment will be payable on the payment mode following the date
proceeds become payable.

12.7 Death of Payee
At the death of the payee, any payments remaining will be paid according to the
terms of the settlement option chosen, unless the contingent payee elects in
writing to receive the present value of any remaining guaranteed payments in a
single sum.

If a contingent payee has not been named or does not survive the payee, the
following amounts will be paid in one sum to the estate of the payee:

(1) any amount left on deposit under Option 1; and

(2) the present value of any remaining guaranteed payments under
Options 2 through 5.

If you have not named a contingent payee, or if every contingent payee named by
you dies before the payee, you may, by written notice to us, name a new
contingent payee. The new contingent payee will receive any amount that would
otherwise have been payable to the payee's estate.

12.8 Claims of Creditors
To the extent permitted by law, proceeds will not be subject to any claims of a
payee's creditors.

TABLE A - INSTALLMENT OPTION*
for Each $1,000 of Proceeds Applied
Term of
Years

Annual

Monthly
Term of
Years

Annual

Monthly
Term of
Years

Annual

Monthly

1
$1000.00
$84.47
2
507.39
42.86
3
343.23
28.99
4
261.19
22.06
5
211.99
17.91

6
179.22
15.14
7
155.83
13.16
8
138.31
11.68
9
124.69
10.53
10
113.82
9.61
1
$1000.00
$84.47
2
507.39
42.86
3
343.23
28.99
4
261.19
22.06
5
211.99
17.91

6
179.22
15.14
7
155.83
13.16
8
138.31
11.68
9
124.69
10.53
10
113.82
9.61
11
$104.93
$8.86
12
97.54
8.24
13
91.29
7.71
14
85.95
7.26
15
81.33
6.87

16
77.29
6.53
17
73.74
6.23
18
70.59
5.96
19
67.78
5.73
20
65.26
5.51
21
$62.98
$5.32
22
60.92
5.15
23
59.04
4.99
24
57.33
4.84
25
55.76
4.71

26
54.31
4.59
27
52.97
4.47
28
51.74
4.37
29
50.60
4.27
30
49.53
4.18
21
$62.98
$5.32
22
60.92
5.15
23
59.04
4.99
24
57.33
4.84
25
55.76
4.71

26
54.31
4.59
27
52.97
4.47
28
51.74
4.37
29
50.60
4.27
30
49.53
4.18

TABLE B - LIFE INCOME OPTIONS*
Monthly Income for Each $1,000 of Proceeds Applied

Age
MALE
Minimum Guaranteed Payment Period

FEMALE
Minimum Guaranteed Payment Period

None

120
Months

240
Months
Install-ment
Refund

None

120
Months

240
Months
Install-
ment
Refund
50
$4.23
$4.19
$4.06
$4.05
$3.89
$3.87
$3.81
$3.80
51
4.31
4.26
4.11
4.11
3.95
3.93
3.86
3.84
52
4.38
4.33
4.17
4.17
4.01
3.98
3.91
3.89
53
4.46
4.40
4.22
4.23
4.07
4.04
3.96
3.95
54
4.55
4.48
4.28
4.29
4.13
4.11
4.01
4.00

55
4.63
4.56
4.33
4.36
4.20
4.17
4.07
4.06
56
4.73
4.65
4.39
4.43
4.28
4.24
4.12
4.12
57
4.83
4.74
4.45
4.51
4.36
4.32
4.18
4.18
58
4.94
4.83
4.51
4.59
4.44
4.40
4.24
4.25
59
5.05
4.93
4.57
4.67
4.53
4.48
4.30
4.32

60
5.17
5.04
4.63
4.75
4.63
4.57
4.37
4.39
61
5.30
5.15
4.69
4.85
4.73
4.66
4.43
4.47
62
5.44
5.27
4.75
4.94
4.84
4.76
4.50
4.55
63
5.60
5.39
4.81
5.04
4.95
4.86
4.56
4.64
64
5.76
5.52
4.86
5.15
5.08
4.97
4.63
4.73

65
5.93
5.65
4.92
5.26
5.21
5.09
4.69
4.83
66
6.12
5.79
4.97
5.37
5.35
5.21
4.76
4.93
67
6.32
5.94
5.02
5.50
5.50
5.34
4.82
5.04
68
6.53
6.09
5.06
5.62
5.66
5.47
4.88
5.15
69
6.76
6.24
5.11
5.76
5.84
5.61
4.94
5.27

70
7.00
6.40
5.14
5.90
6.02
5.76
5.00
5.39
71
7.26
6.56
5.18
6.04
6.23
5.92
5.05
5.53
72
7.53
6.72
5.21
6.20
6.45
6.08
5.10
5.67
73
7.83
6.88
5.24
6.36
6.70
6.25
5.14
5.81
74
8.15
7.05
5.26
6.53
6.96
6.43
5.18
5.97

75
8.49
7.22
5.28
6.70
7.24
6.61
5.22

6.14

TABLE C - JOINT AND SURVIVOR OPTION*
Monthly Income - Ten Year Guaranteed Payment Period
for Each $1,000 of Proceeds Applied
Male
Female Age

Age
50
55
60
65
70
75
50
$3.31
$3.37
$3.43
$3.49
$3.53
$3.56
55

3.47
3.55
3.63
3.70
3.76
60

3.68
3.80
3.91
4.00
65

3.97
4.15
4.31
70

4.41
4.68
75

5.08
*Amounts not shown for available options will be furnished on request.

Flexible Premium Variable
Survivorship Life Insurance
Contract - Nonparticipating

Adjustable death benefit. Death proceeds payable at death of the last surviving
Insured. Flexible premiums payable until the death of the last surviving
Insured.

If you have any questions concerning this contract or if anyone suggests that
you change or replace this contract, please contact your Kansas City Life agent
or the Home Office of the Company.

Exhibit 1.A.(5)(b)
Contract Split Option Rider

Right to Exchange
While both Insureds are alive you may exchange the contract for separate single
life policies on the life of each Insured without evidence of insurability under
the conditions for exchange as described below. To exercise this option, a new
contract on the life of each Insured must be applied for and issued. When this
option is exercised, the contract will be terminated.

The charge for this rider is shown on Section 1, Contract Data of the contract.

Conditions for Exchange
The exchange is subject to all of the following conditions:

(1) either (a) or (b) must be met:

(a) in the case of divorce, a final divorce decree issued by a court of
competent jurisdiction in the United States on the Insureds' marriage must be
in effect for at least six months, but not more than one year before the date
of exchange. Evidence of such decree must be received by us prior to the date
of exchange; or

(b) in the case of a change in the Federal Tax Law, the change in law must
result in either:
(i) a reduction in the Unlimited Federal Estate Tax marital deduction; or
(ii) a reduction in the maximum Federal Estate Tax bracket rate to a rate below
25%.
You must request the exchange in writing within six months of the first
enactment date of a qualifying change in Federal Tax Law.

(2) you must request the exchange in writing. The owner of each new contract
must have an insurable interest in the Insured under such contract. If the
contract has been assigned, the assignee must consent to the exchange;

(3) the contract must be in force on the exchange date;

(4) we must receive payment of the first premium for each new contract on or
before its contract date;

(5) all premiums must be paid to the date of exchange; and

(6) neither of the Insureds were uninsurable at the time the contract was
issued.

The New Contract
The specified amount of each new contract will be one half of the total sum
insured of the contract on the date of exchange. One half of the surrender
value of the contract will be applied as an initial premium on each of the new
contracts.

The contract date of each new contract will be the date of exchange. Premiums
for the new contracts will be based on our rates then in effect, and the
underwriting class of each new contract will be the class that the individual
Insured was in at the time the contract was issued.

The new contracts may be any single life contract (other than term insurance)
available on the date of exchange for which each Insured qualifies, based upon
the coverage amount and each Insured's issue age and underwriting class.

You may request that additional riders be included in each new contract. The
issue of any such rider will require our consent and evidence of insurability
satisfactory to us.

General Provisions
The following provisions apply to this rider:

(1) this rider is made a part of the contract policy to which it is
attached;

(2) this split option benefit is subject to all the provisions of
this rider and the applicable contract policy provisions;

(3) the effective date of this rider is specified in the rider
description in Section 1, Contract Data of the contractpolicy;

(4) this rider is nonparticipating. It will not participate in any
of our profits, losses or surplus earnings; and

(5) this rider does not provide for cash or loan values.; and

(6) the expiration date of this rider is the policy's maturity date
as shown on page 3 of the policy.
Cancellation
This rider may be cancelled by you on any monthly anniversary day. Your request
must be in writing and filed with us prior to the monthly anniversary day. We
may require that the contractpolicy be submitted for endorsement to show the
cancellation.

Termination
This rider will terminate on the earliest of:

(1) the date the contract terminates for any reason; or

(2) the death of either Insured; or

(3) attained age 80 of the older Insured; or

(4) the date this rider is cancelled by you.

Signed for Kansas City Life Insurance Company, a stock company, at its Home
Office, 3520 Broadway, PO Box 419139, Kansas City, MO 64141-6139.

/s/C. John Malacarne /s/W. E. Bixby
Secretary President

Exhibit 1.A.(5)(c)
Joint First to Die Term Life Insurance Rider

The Benefit
Kansas City Life Insurance Company will pay the coverage amount under this rider
to the beneficiary upon receiving proof of death of the first Insured to
die Insured's death on or before the expiration date and while this rider is in
force.

The coverage amount provided by this rider is shown in Section 1, Contract Data
of the contract.

Cost of Insurance
The cost of insurance for this rider on any monthly anniversary day is equal to:

Q X R

"Q" is the cost of insurance rate (as described in the Monthly Cost of Insurance
Rates provision). provision of the policy).

"R" is the coverage amount applicable to this rider on that day.
Monthly Cost of Insurance Rates
The monthly cost of insurance rates used in calculating the cost of insurance on
each monthly anniversary day are based on the Insured's age, number of
completed policy years, sex and risk class on each monthly anniversary day.

The cost of insurance rates used will be determined by us based on our
expectations as to future mortality experience. Any change in the current cost
of insurance rates will be on a uniform basis for Insureds of the same age, sex
and risk class whose riders have been in force the same length of time. The
current cost of insurance rates will never be increased to recover losses
incurred, or decreased so as to distribute gains realized by us prior to the
change.

The cost of insurance rates used will not exceed those shown in the Monthly Cost
of Insurance Rates section of the policy. The guaranteed maximum cost of
insurance rates for special risk classes will be adjusted appropriately.

Changes in Coverage Amount
The coverage amount under this rider may be changed at any time after the first
rider year, subject to the conditions outlined below.

Decreases in the Coverage Amount
Any decrease will be effective on the monthly anniversary day on or next
following the date we receive your application for decrease. Any decrease will
be applied first against any increases to the coverage amount in the reverse
order in which they were made. Any remaining decrease will then be applied
against the initial coverage amount.

The coverage amount remaining in force after any requested decrease may
not be less than $10,000.

Increases in the Coverage Amount
A request for an increase in the coverage amount will be subject to the
following requirements:

(1) an application satisfactory to us must be submitted;

(2) evidence of insurability satisfactory to us must be submitted;
and

(3) that the increased monthly deduction will not cause the
contract to lapse, as described iin the Grace Period provision
of the contract, as of the effective date of the increase.

An increase will be effective on the contract monthly anniversary day on
or next following the date we receive and approve your application for increase.

Ownership
Unless otherwise provided, the owner of this rider will be the owner of the
contract.

Beneficiary
Death proceeds for this rider will be paid, unless otherwise provided, to the
owner of this rider, if living, otherwise to the owner's estate.

Suicide
If the either Insured dies by suicide, while sane or insane, within two years of
the effective date of this rider, the amount payable by us will be equal to the
total cost of insurance and any expense charges associated with this rider.

If the either Insured dies by suicide, while sane or insane, within two years
after the effective date of any increase in the coverage amount, the amount
payable by us associated with such increase will be limited to the cost of
insurance and any expense charges associated with such increase.

Incontestability
We cannot contest this rider after it has been in force during the Insured's'
lifetime for two years from the effective date.

Any increase in the coverage amount will not be contested after the increase has
been in force during the lifetime of the Insureds for two years following the
effective date of the increase.

Age and Sex
If, while this rider is in force and the Insureds are is alive, it is
determined that the age or sex of either the Insured has been incorrectly
stated, the accumulated value of the contract will be adjusted by the difference
in the cost of insurance charged for this rider and the cost of insurance which
should have been charged for the correct age or sex, accumulated at the interest
rates that were credited to the contracts accumulated value.

If, after the death of the first Insured to die and while this rider is in
force, it is determined that the age or sex of either the Insured is not
correct, the death benefit will be that which would be purchased by the most
recent mortality charge at the correct age and sex.

Conversion of Term Rider
You may convert this rider for new separate contracts on the life of each
Insured without evidence of insurability upon written request to us provided:

(1) this rider is in force; and

(2) the request for conversion is made before the expiration date,
or within 31 days thereafter.

The premium for each Insured will be based on the age of each Insured on the
contract date of the new contract. The first premium for the new contract must
be paid before it will take effect.

New Contract
The new contract may be on any permanent life contract then being issued by us.
You will not be allowed to convert to a term contract.

The amount of insurance of the new contract for each Insured may not be more
than the insurance provided by this rider at the time of conversion. We will
not allow conversion to a contract which is less than the minimum amount we
issue.

Any insurance under this rider which is converted to a new contract will
terminate at the time the new contract takes effect.

The time period in the Suicide and Incontestability provisions of any new
contract will begin on the effective date of this rider.

Each Insured will have the same risk class under the new contract as they had
for this rider.

Availability of Riders
The new contract may include additional riders only with our consent. The time
period of the Suicide and Incontestability provisions of any new contract will
apply to these riders from the effective date of the new contract.

General Provisions
The following provisions apply to this rider:

(1) this rider is made a part of the contractpolicy to which it is
attached;

(2) this term insurance is subject to all the provisions of this
rider and the applicable contractpolicy provisions;

(3) the effective date of this rider is specified in the rider
description in Section 1, Contract Data of the contractpolicy;

(4) this rider is nonparticipating. It will not participate in any
of our profits, losses or surplus earnings;

(5) this rider does not provide for cash or loan values; and

(6) the expiration date of this rider is the date of death of the
first Insured to die.
(6) the expiration date of this rider is the policy's maturity date
as shown on page 3 of the policy.
Cancellation
This rider may be cancelled by you on any monthly anniversary day. Your request
must be in writing and filed with us prior to the monthly anniversary day. We
may require that the contractpolicy be submitted for endorsement to show the
cancellation.

Termination of Rider
This rider terminates on the earliest of:

(1) the date the contractpolicy terminates for any reason;

(2) the date this rider is cancelled by you;

(3) the date insurance under this rider is converted; or

(4) the expiration date of this rider.

Monthly Cost of Insurance Rates

The monthly cost of insurance rates used in calculating the cost of insurance on
each monthly anniversary day are based on the Insureds' ages, number of
completed contract years, sex and risk class on each monthly anniversary day.

The cost of insurance rates used will be determined by us based on our
expectations as to future mortality experience. Any change in the current cost
of insurance rates will be on a uniform basis for Insureds of the same age, sex
and risk class whose riders have been in force the same length of time. The
current cost of insurance rates will never be increased to recover losses
incurred, or decreased so as to distribute gains realized by us prior to the
change.

The cost of insurance rates used will not exceed those shown in the tables
below. The rates for Tobacco User Risk Class are based on the 1980
Commissioners Standard Ordinary Smoker Mortality Table, age last birthday. The
rates for Nontobacco User Risk Class are based on the 1980 Commissioners
Standard Ordinary Nonsmoker Mortality Table, age last birthday. The guaranteed
maximum cost of insurance rates for special risk classes will be adjusted
appropriately.

Table of Guaranteed Maximum Monthly Cost of Insurance Rates
per $1,000 -- Tobacco User Risk Class

Age

Male

Female

Age

Male

Female

Age

Male

Female

20
$ .19337
$ .09751
21
$ .19337
$ .09918
22
$ .19004
$ .10168
23
$ .18670
$ .10418
24
$ .18170
$ .10668
25
$ .17586
$ .10918
26
$ .17253
$ .11334
27
$ .17086
$ .11668
28
$ .17086
$ .12084
29
$ .17336
$ .12585
30
$ .17753
$ .13169
31
$ .18336
$ .13669
32
$ .19087
$ .14252
33
$ .20087
$ .15002
34
$ .21255
$ .15836
35
$ .22672
$ .16753
36
$ .24339
$ .18170
37
$ .26424
$ .19837
38
$ .28758
$ .21755
39
$ .31427
$ .23839
40
$ .34512
$ .26340
41
$ .37847
$ .29008
42
$ .41517
$ .31677
43
$ .45521
$ .34345
44
$ .49942
$ .37014
45
$ .54613
$ .39849
46
$ .59452
$ .42768

47
$ .64709
$ .45771
48
$ .70383
$ .49024
49
$ .76559
$ .52611
50
$ .83403
$ .56449
51
$ .91166
$ .60537
52
$ .99933
$ .65209
53
$ 1.09871
$ .70383
54
$ 1.20729
$ .75640
55
$ 1.32342
$ .81066
56
$ 1.44626
$ .86408
57
$ 1.57581
$ .91416
58
$ 1.71210
$ .96343
59
$ 1.85845
$ 1.01603
60
$2.02158
$1.07866
61
$ 2.20568
$ 1.15717
62
$ 2.41331
$ 1.25825
63
$ 2.64531
$ 1.38107
64
$ 2.89921
$ 1.51813
65
$ 3.16834
$ 1.66276
66
$ 3.45019
$ 1.80994
67
$ 3.74228
$ 1.95213
68
$ 4.04883
$ 2.09605
69
$ 4.38161
$ 2.25256
70
$ 4.74912
$ 2.43760
71
$ 5.16234
$ 2.67212
72
$ 5.62985
$ 2.95956
73
$ 6.14840
$ 3.30170

74
$ 6.71732
$ 3.69191
75
$ 7.32578
$ 4.11856
76
$ 7.94851
$ 4.57248
77
$ 8.57457
$ 5.04701
78
$ 9.20819
$ 5.54895
79
$ 9.87149
$ 6.09611
80
$10.58673
$ 6.70972
81
$11.37460
$ 7.40696
82
$12.24905
$ 8.20088
83
$13.19604
$ 9.11908
84
$14.18421
$10.11631
85
$15.18033
$11.17773
86
$16.16033
$12.29516
87
$17.16810
$13.45788
88
$18.22021
$14.67216
89
$19.26842
$15.93752
90
$20.32834
$17.34402
91
$21.43307
$18.86254
92
$22.71710
$20.55222
93
$24.36889
$22.54368
94
$26.62993
$25.22305
95
$30.20740
$29.24955
96
$36.35803
$35.72205
97
$47.21179
$46.86829
98
$66.20701
$66.09430
99
$83.33333
$83.33333

Table of Guaranteed Maximum Monthly Cost of Insurance Rates
per $1,000 -- Non-Tobacco User Risk Class

Age

Male

Female

Age

Male

Female

Age

Male

Female

20
$ .14002
$ .08418
21
$ .13835
$ .08584
22
$ .13585
$ .08668
23
$ .13252
$ .08834
24
$ .12919
$ .09001
25
$ .12502
$ .09168
26
$ .12252
$ .09418
27
$ .12084
$ .09584
28
$ .12001
$ .09834
29
$ .12001
$ .10168
30
$ .12084
$ .10418
31
$ .12335
$ .10751
32
$ .12669
$ .11084
33
$ .13169
$ .11501
34
$ .13752
$ .12001
35
$ .14419
$ .12585
36
$ .15169
$ .13419
37
$ .16170
$ .14419
38
$ .17253
$ .15502
39
$ .18420
$ .16670
40
$ .19837
$ .18086
41
$ .21338
$ .19587
42
$ .22922
$ .21087
43
$ .24673
$ .22588
44
$ .26590
$ .24089
45
$ .28758
$ .25757
46
$ .31093
$ .27508

47
$ .33594
$ .29426
48
$ .36346
$ .31427
49
$ .39348
$ .33678
50
$ .42768
$ .36180
51
$ .46689
$ .38932
52
$ .51193
$ .42101
53
$ .56365
$ .45604
54
$ .62122
$ .49191
55
$ .68547
$ .53028
56
$ .75557
$ .56865
57
$ .82986
$ .60620
58
$ .91250
$ .64374
59
$1.00518
$ .68630
60
$1.10873
$ .73637
61
$ 1.22400
$ .79814
62
$ 1.35684
$ .87493
63
$ 1.50727
$ .96927
64
$ 1.67447
$ 1.07533
65
$ 1.85761
$ 1.18974
66
$ 2.05589
$ 1.30838
67
$ 2.26846
$ 1.42954
68
$ 2.49956
$ 1.55491
69
$ 2.75590
$ 1.69454
70
$ 3.04592
$ 1.85845
71
$ 3.37720
$ 2.05840
72
$ 3.75991
$ 2.30362
73
$ 4.19334
$ 2.59756

Age

Male

Female
74
$ 4.67004
$ 2.93610
75
$ 5.18002
$ 3.31428
76
$ 5.71919
$ 3.72382
77
$ 6.28340
$ 4.16309
78
$ 6.87613
$ 4.63892
79
$ 7.51607
$ 5.16656
80
$ 8.22375
$ 5.76724
81
$ 9.01810
$ 6.45895
82
$ 9.91569
$ 7.25729
83
$10.91280
$ 8.15937
84
$11.99040
$ 9.15556
85
$13.12418
$10.23537
86
$14.29994
$11.39164
87
$15.49991
$12.62319
88
$16.71910
$13.93142
89
$17.97489
$15.32721
90
$19.28573
$16.82248
91
$20.68242
$18.45266
92
$22.21791
$20.28063
93
$24.04370
$22.43826
94
$26.50347
$25.22305
95
$30.20740
$29.24955
96
$36.35803
$35.72205
97
$47.21179
$46.86829
98
$66.20701
$66.09430
99
$90.90909
$90.90909

Signed for Kansas City Life Insurance Company, a stock company, at its Home
Office, 3520 Broadway, PO Box 419139, Kansas City, MO 64141-6139.

/s/C. John Malacarne /s/W. E. Bixby
Secretary President

Exhibit 1.A.(5)(d)
Joint Survivorship Four Year Term Life Insurance Rider

The Benefit
Kansas City Life Insurance Company will pay the coverage amount under this rider
to the beneficiary upon receiving proof of death of the last surviving
Insured's death on or before the expiration date and while this rider is in
force.

The coverage amount provided by this rider is shown in Section 1, Contract Data
of the contract.

Ownership
Unless otherwise provided, the owner of this rider will be the owner of the
contract.

Beneficiary
Death proceeds for this rider will be paid, unless otherwise provided, to the
beneficiary as specified in the contract.

Suicide
If the either Insured dies by suicide, while sane or insane, within two years of
the effective date of this rider, the amount payable by us will be equal to the
total premiums paid for this rider.

Incontestability
We cannot contest this rider after it has been in force during the Insured's'
lifetime for two years from the effective date.

Age and Sex
If, while this rider is in force and the Insureds are is alive, it is
determined that the age or sex of either the Insured has been incorrectly
stated, the accumulated value of the contract will be adjusted by the difference
in premiums charged for this rider and the premiums which should have been
charged for the correct age or sex, accumulated at the interest rates that were
credited to the contracts accumulated value.

If, after the death of the last surviving Insured and while this rider is in
force, it is determined that the age or sex of either the Insured is not
correct, the death benefit will be that which the premiums paid would be
purchased for the correct ag e and sex.

General Provisions
The following provisions apply to this rider:

(1) this rider is made a part of the contractpolicy to which it is
attached;

(2) this term insurance is subject to all the provisions of this
rider and the applicable contractpolicy provisions;

(3) the effective date of this rider is specified in the rider
description in Section 1, Contract Data of the contractpolicy;

(4) this rider is nonparticipating. It will not participate in any
of our profits, losses or surplus earnings;

(5) this rider does not provide for cash or loan values; and

(6) the expiration date of this rider is the fourth contract
anniversary.
(6) the expiration date of this rider is the policy's maturity date
as shown on page 3 of the policy.
Cancellation
This rider may be cancelled by you on any monthly anniversary day. Your request
must be in writing and filed with us prior to the monthly anniversary day. We
may require that the contractpolicy be submitted for endorsement to show the
cancellation.

Termination of Rider
This rider terminates on the earliest of:

(1) the date the contractpolicy terminates for any reason;

(2) the date this rider is cancelled by you; or

(3) expiration date of this rider.

Signed for Kansas City Life Insurance Company, a stock company, at its Home
Office, 3520 Broadway, PO Box 419139, Kansas City, MO 64141-6139.

/s/C. John Malacarne /s/W. E. Bixby
Secretary President

Exhibit 1.A.(11)

DESCRIPTION OF ISSUANCE,

TRANSFER AND REDEMPTION PROCEDURES FOR CONTRACTS

PURSUANT TO RULE 6e-3(T)(b)(12)(iii)

FOR FLEXIBLE PREMIUM SURVIVORSHIP LIFE INSURANCE CONTRACTS

ISSUED BY

KANSAS CITY LIFE INSURANCE COMPANY

This document sets forth the current administrative procedures that will be
followed by Kansas City Life Insurance Company ("Kansas City Life") in
connection with its issuance of individual flexible premium variable
survivorship life insurance contra cts (the "Contracts"), the transfer of assets
held thereunder, and the redemption by Contract owners (the "Owners") of their
interests in those Contracts. Capitalized terms used herein have the same
meaning as in the prospectus for the Contract that is included in the current
registration statement on Form S-6 for the Contract as filed with the Securities
and Exchange Commission ("Commission" or "SEC").

I. Procedures Relating to Purchase and Issuance of the Contracts and
Acceptance of Premiums

A. Offer of the Contracts, Applications, Initial Net Premiums, and Issuance
of the Contracts

1. Offer of the Contracts. The Contracts will be offered and sold for
premiums pursuant to established premium schedules and underwriting
standards in accordance with state insurance laws.
Premiums for the Contracts and related insurance charges will not be the same
for all Owners selecting the same amount and type of Death Benefit. Insurance
is based on the principle of pooling and distribution of mortality risks, which
assumes that each Owner pays a premium and related insurance charges
commensurate with the Insureds mortality risk as actuarially determined
utilizing factors such as Age, sex, level of Specified Amount, health and
occupation of each Insured. A uniform premium and insurance charges for all
Insureds would discriminate unfairly in favor of those Insureds representing
greater risk. Although there will be no uniform insurance charges for all
Insureds, there will be a uniform insurance rate for all Insureds of the same
risk class and same Total Sum Insured. A description of the Monthly Deduction
under the Contract , which includes charges for cost of insurance and for
supplemental benefits, is in Appendix A to this memorandum.

2. Application. To purchase a Contract, the Owner must complete an
application and submit it through an authorized Kansas City Life agent. An
application will not be deemed to be complete unless all required information,
including without limi tation age, sex, and medical and other background
information on each proposed Insured, has been provided in the application.

If the applicant is eligible for temporary insurance coverage, a temporary
insurance agreement "TIA") should also accompany the application. The TIA
provides temporary insurance coverage
prior to the date when all underwriting and other requirements have been met and
the application has been approved, with certain limitations, as long as an
initial premium payment accompanies the TIA. In accordance with Kansas City
Life's underwriti ng rules, temporary life insurance coverage may not
exceed $250,000. The TIA may not be in effect for more than 60 days. At the
end of the 60 days, the TIA coverage terminates and the initial premium will be
returned to the applicant.

3. Payment of Minimum Initial Premium and Determination of Contract Date.
With the TIA, the applicant must pay an initial premium payment at the time of
application that is at least equal to two months of minimum initial premium (one
month of m inimum initial premium is required for Contracts when premium
payments will be made under a pre-authorized payment arrangement). The minimum
initial premium payment required depends on a number of factors, such as the
age, sex and risk class of the proposed Insureds, the Specified Amount, any
optional benefits and riders selected and the Planned Periodic Premium payments
the Owner proposes to make. (See "Planned Periodic Premiums," below.)

In general, policies that are submitted with the required premium payment (and
the premium payment is submitted in "good order") will have a Contract Date
which will be the date of the TIA. However, if the Contract Date is calculated
to be the 29th, 30th or 31st of the month then the date will be set to the 1st
of the next following month. For Contracts where values are applied to the new
Contract from another contract, the Contract Date will be the approval date plus
up to two days, unless the approval is the 27th, 28th or 29th of the month in
which case then the Contract Date would be the first of the next month. There
are several exceptions to these rules based on the type of billing, whether the
contract involves a conversion and/or whether the specified amount exceeds
$250,000.

Pre-Authorized Check Payment Plan (PAC) or Combined Billing (CB) -- Premium with
Application
If PAC or CB is requested and the initial premium is taken with the application,
the Contract Date will be the later of the TIA date or the first of the month of
approval. Combined Billing is a billing where more than one Kansas City Life
contract i s billed together.

Combined Billing (CB)--No Premium With Application
If CB is requested and the initial premium is not taken with the application,
the Contract Date will be the earlier of the 1st month after the Contract is
approved or the date the initial premium is received. However, if approval
occurs on the 1st, 2nd, 3rd, 4th or 5th of the month the Contract Date will be
the first of the same month that the Contract is approved. In addition, if the
Contract Date is calculated to be the 29th, 30th or 31st of the month then the
date will be set to the 1st of t he following month.

Government Allotment (GA) and Federal Allotment (FA)
If GA or FA is requested on the application and an initial premium is taken with
the application, the Contract Date will be the 1st of the month of approval. If
GA or FA is requested and no initial premium is received the Contract Date will
be the f irst of the month for which a full monthly allotment is received.

Conversions
If a Kansas City Life term insurance product is converted to a new Contract the
Contract Date will be the date that the previous contract was paid to. If
there is more than one term policy being converted, the Contract Date will be
determined by the contract with the earliest date that premiums were paid to.

Specified Amount Exceeds $250,000
If the specified amount requested exceeds $250,000 and an initial premium is
taken with the application, the Contract Date will be the later of the TIA date
of the 1st of the month of approval.

Kansas City Life may specify the form in which a premium payment must be made in
order for the premium to be in "good order." Ordinarily, a check will be deemed
to be in good order upon receipt, although Kansas City Life may require that the
check f irst be converted into federal funds. In addition, for a premium to be
received in "good order," it must be accompanied by all required supporting
documentation, in whatever form required.

An initial premium will not be accepted from applicants that are not eligible
for TIA coverage. Coverage under the Contract begins on the Contract Date, and
Kansas City Life will deduct Contract charges as of the Contract Date.

The Contract Date is determined by these guidelines except, as provided for
under state insurance law, the Owner may be permitted to backdate the Contract
to preserve insurance age. In no case may the Contract Date be more than six
months prior to t he date the application was completed. Monthly Deductions
will be charged from the Contract Date. If coverage under an existing Kansas
City Life insurance contract is being replaced, that contract will be terminated
and values will be transferred o n the date when all underwriting and other
requirements have been met and the application has been
approved. (For a discussion of underwriting requirements, see "Underwriting
Requirements" below). Kansas City Life will deduct contract charges as of the
Contract Date.

4. Underwriting Requirements. Kansas City Life requires satisfactory
evidence of the proposed Insureds insurability, which may include a
medical examination of the proposed Insureds. The available issue ages
are 20 through 85 for each Insured
. There are four risk classes available: preferred non-tobacco user,
standard non-tobacco user, preferred tobacco user, tobacco user. Age is
determined on the Insured's age last birthday on the Contract Date. For various
purposes under the Cont racts the Insureds joint age will be calculated under
the Frasier method. The minimum Total Sum Insured is $200,000. The minimum
Specified Amount is $100,000. The minimum Additional Insured Amount is $10,000
and the maximum Additional Insurance A mount at the time of issue is four times
the Specified Amount. This coverage may increase to a maximum of 8 times the
Specified Amount after issue. The minimum $200,000. Acceptance of an
application depends on Kansas City Life's underwriting rules , and Kansas City
Life reserves the right to reject an application.

5. Determination of Owner of the Contract. The Owner of the Contract may
exercise all rights provided under the Contract. The Insureds are the
Owner, unless a different Owner is named in
the application. The Owner may by Written Notice name a contingent Owner or a
new Owner while at least one Insured is living. Unless a contingent Owner has
been named, on the death of the last surviving Owner, ownership of the Contract
passes to th e estate of the last surviving Owner, who will become the Owner if
the Owner dies. The Owner may also be changed prior to both Insureds deaths by
Written Notice satisfactory to Kansas City Life.

B. Payment and Acceptance of Additional Premiums

1. Generally. Additional unscheduled premium payments can be made at any
time while the Contract is in force. Kansas City Life has the right to limit
the number and amount of such premium payments, subject to the procedures
described below. A loan repayment must be clearly marked as such or it will be
credited as a premium. No premium payment will be accepted after the Maturity
Date.

2. Procedures for Accepting Additional Premium Payments.
Premium payments must be made by check payable to Kansas City Life Insurance
Company or by any other method that Kansas City Life deems acceptable. Kansas
City Life may specify the form in
which a premium payment must be made in order for the premium to be in "good
order." Ordinarily, a check will be deemed to be in good order upon receipt,
although Kansas City Life may require that the check first be converted into
federal funds. In addition, for a premium to be received in "good order," it
must be accompanied by all required supporting documentation, in whatever form
required.

Total premiums paid may not exceed premium limitations for life insurance set
forth in the Internal Revenue Code. Kansas City Life will monitor Contracts and
will notify the Owner if a premium payment exceeds this limit and will cause the
Contract t o violate the definition of insurance. The owner may choose to take
a refund of the portion of the premium payment that is determined to be in
excess of applicable limitations, or the Owner may submit an application to
increase the Additional Insura nce Amount, subject to our underwriting
requirements. (See "Underwriting Requirements" above.) Kansas City Life will
monitor Contracts and will attempt to notify the Owner on a timely basis if
premiums paid under a Contract exceed the "7-Pay Test" as set forth in the
Internal Revenue Code and, therefore, the Contract is in jeopardy of becoming a
modified endowment contract.

3. Planned Periodic Premiums. When applying for a Contract, the Owner
selects a plan for paying level premium payments at specified intervals, e.g.,
monthly, quarterly, semi-annually or annually. If the Owner elects, Kansas
City Life will also arrange for payment of Planned Periodic Premiums on a
monthly or quarterly basis under a pre-authorized payment arrangement. The
Owner is not required to pay premium payments in accordance with these plans;
rather, the Owner can pay more or less th an planned or skip a Planned Periodic
Premium entirely. Each premium after the initial premium must be at least $25.
Kansas City Life may increase this minimum limit 90 days after sending the
Owner a Written Notice of such increase. Subject to the limits described
above,
the Owner can change the amount and frequency of Planned Periodic Premiums by
sending Written Notice to the Home Office. Kansas City Life, however, reserves
the right to limit the amount of any increase in planned premium payment.

4. Guaranteed Minimum Death Benefit Option and Guaranteed Minimum Death
Benefit Option Premium.
An optional Guaranteed Minimum Death Benefit Option is available only at issue.
This option is not available if Coverage Option B is elected or if the Joint
First to Die Rider is issued with the Contract. If this option has been
elected, it guarante es payment of the Specified Amount (less Indebtedness and
any past due charges) upon the death of the last surviving Insured, regardless
of the Contracts investment performance, provided that the Guaranteed Minimum
Death Benefit Option Premium requi rement is met. The Guaranteed Minimum Death
Benefit Option does not guarantee any Additional Insurance Amount.

The Guaranteed Minimum Death Benefit Option Premium is the amount which
guarantees that the Guaranteed Minimum Death Benefit Option will remain in
effect. The Guaranteed Minimum Death Benefit Option Premium requirement is met
if, on each Monthly Ann iversary Day:
the cumulative premiums paid equal or exceed the cumulative Guaranteed Minimum
Death Benefit Options Premiums (the amount of the Guaranteed Minimum Death
Benefit Option Premium is shown in the Contract), plus Indebtedness, where
the term the cumulative premiums paid means the amount that is equal to (A)
the sum of all premiums paid, less (B) the sum of all partial surrenders, with
(A) and (B) each accumulated at an annual effective interest rate of 4.)% from
the date the C ontract is issued to the Monthly Anniversary Date on which the
Guaranteed Minimum Death Benefit Option Premium requirement is calculated, and
the term cumulative Guaranteed Minimum Death Benefit Option Premiums means the
amount that is equal to the sum of the Guaranteed Minimum Death Benefit Option
Premiums, with each such premium accumulated at an annual effective interest
rate of 4% to the Monthly Anniversary Date on which the Guaranteed Minimum Death
Benefit Option Premium requirement is calculated.

If the Guaranteed Minimum Death Benefit Option Premium requirement is not met,
the Guaranteed Minimum Death Benefit Option is in default. A 61-day notice
period begins on the day Kansas City Life mails the notice that the Guaranteed
Minimum Death Be nefit Option is in default and the amount of premium required
to maintain the Guaranteed Minimum Death Benefit Option. The default premium
will be the amount by which the cumulative Guaranteed Minimum Death Benefit
Option Premium plus indebtedness is greater than the cumulative paid premium.
The Guaranteed Minimum Death Benefit Option will terminate if sufficient premium
is not paid by the end of the notice period.

If the policy contains any Additional Insurance Amount coverage or any optional
benefit riders, then in addition to testing the Guaranteed Minimum Death
Benefit Option Premium requirement as outlined above, the Contract Value will
be tested to ensure that the policy is funded at a sufficient level to support
the Additional Insurance Amount or other optional benefit riders. On each
Monthly Anniversary Day the Cash Surrender Value will be tested to determine if
it is sufficient to cover the Monthl y Deduction. If not, a 61-day notice
period begins on the day Kansas City Life mail notice of the default premium
amount. The default premium will be equal to the payment which would be
sufficient to provide a Cash Surrender Value equal to three mon thly
deductions. The Additional Insurance Amount coverage and other optional
benefit riders will be removed from the contract if payment at least equal to
the default premium is not received by the end of the notice period.

There is no charge for this option during the first 10 Contract Years.
Beginning in Contract Year 11 a monthly charge per $1,000 of Specified Amount at
issue will apply. The Guaranteed Minimum Death Benefit Option is not available
for Coverage Option B Contracts, for Contracts on which the Additional
Insurance Amount exceeds or is scheduled to exceed the Specified Amount or for
Contracts which include the Joint First to Die Rider. The Guaranteed Minimum
Death Benefit Option will terminate upo n your request, if the Coverage Option
is changed to B or if the amount of the Additional Insurance Amount is increased
to more than the Specified Amount.

The Guaranteed Minimum Death Benefit Option may be reactivated within two years
of termination of such option. Re-activation requires: (1) written notice to
restore the option, (2) evidence of insurability of the Insureds satisfactory
to us, unless Re-activiation is requested within one year after the beginning
of the notice period; and (3) payment of the amount by which the cumulative
Guaranteed Minimum Death Benefit Option Premium plus Indebtedness exceeds the
cumulative paid premiums on the date of Re-activation. On the Monthly
Anniversary Day on which the Re-activation takes effect, Kansas City Life will
deduct from the Contract Value any unpaid Guaranteed Minimum Death Benefit
Option Charges. Kansas City Life reserves the right to deny Re-activation of
the Guaranteed Minimum Death Benefit Option more than once during the life of
the Contract.

5. Premium Payments Upon Increase in Additional Insurance Amount.
Depending on the Contract Value at the time of an increase in the Additional
Insured Amount and the amount of the increase requested, an additional premium
payment may be necessa ry or a change in the amount of Planned Periodic Premiums
may be advisable.

6. Premium Payments to Prevent Lapse. If the Guaranteed Minimum Death
Benefit Option has been elected, the Specified Amount is guaranteed to remain in
force as long as the Guaranteed Minimum Death Benefit Option Premium requirement
is met on eac h Monthly Anniversary Day. However, while failure to meet the
Guaranteed Minimum Death Benefit Option Premium requirement will cause the
Guaranteed Minimum Death Benefit Option to terminate, such failure will not
necessarily cause the Contract to lapse. Riders are not guaranteed by the
Guaranteed Minimum Death Benefit Option and will terminate if the Cash Surrender
Value becomes negative.

If the Guaranteed Minimum Death Benefit Option has not been elected or has been
removed, 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 Surr ender Value equal to three Monthly Deductions must be paid
during the grace period to keep the Contract in force.

7. Grace Period. The grace period is a 61-day period to make a premium payment
sufficient to prevent lapse. Kansas City Life will send notice of the amount
required to be paid during the grace period to the Owner's last known address
and the addres s of any assignee of record. The grace period will begin when
the notice is sent. The Contract will remain in force during the grace period.
If the last surviving Insured should die during the grace period, the Death
Benefit proceeds will still be payable to the Beneficiary, although the amount
paid will reflect a reduction for the Monthly Deductions due on or before the
date of the last surviving Insured's death (and for any Indebtedness). If the
grace period premium payment has not been pa id before the grace period ends,
the Contract will lapse. It will have no value and no benefits will be payable.
A grace period also may begin if Indebtedness becomes excessive.

C. Allocation and Crediting of Initial and Additional Premiums

1. The Separate Account, Subaccounts, and Fixed Account. The variable
benefits under the Contracts are supported by the Kansas City Life Variable Life
Separate Account (the "Variable Account"). The Variable Account currently
consists of twenty-eight Subaccounts, fourteen of which support the Contracts,
and fourteen of which support other flexible premium variable life insurance
contracts used by Kansas City Life. The assets of the Subaccounts are used to
purchase shares of a designated corresponding mutual fund Portfolio that is
part of one of the following Funds: MFS Variable Insurance Trust ("MFS Trust"),
American Century Variable Portfolios Inc. ("American Century Variable
Portfolios), Federated Insurance Series, Dreyfus Variable Investment Fund and
Dreyfus Stock Index Fund. Each Fund is registered under the Investment Company
Act of 1940 as an open-end management investment company. Owners also may
allocate Contract Value to Kansas City Life's general account (the "Fixed
Account"). Additional Subaccounts may be added from time to time to invest in
portfolios of MFS Trust, American Century Variable Portfolios, Federated
Insurance Series, Dreyfus Variable Investment Fund and Dreyfus Stock Index Fund
or any other inv estment company.

2. Allocations Among the Accounts. Net Premiums and Contract Value are
allocated to the Subaccounts and the Fixed Account in accordance with
the following procedures.

a. General. In the Contract application, the Owner specifies the
percentage of a Net Premium to be allocated to each Subaccount and to the Fixed
Account. The sum of the allocations must equal 100%, and Kansas City Life
reserves the right to li mit the number of Subaccounts to which premiums may be
allocated, although the number of Subaccounts to which net premiums may be
allocated will never be less than twelve. The Owner can change the allocation
percentages at any time, subject to these rules, by sending Written Notice to
the Home Office. Changes in allocation may also be made by telephone if a
proper authorization has been provided. The change will apply to premium
payments received with or after receipt of notice.

b. Allocation of Initial Net Premium. On the Allocation Date, the initial
Net Premium will be allocated to the Money Market Subaccount. The Allocation
Date is the later of the date when all underwriting and other requirements have
been met and an application has been approved, or the date the initial premium
is received in good order at the Home Office. Kansas City Life may specify the
form in which a premium payment must be made in order for the premium to be in
"good order." Ordinarily, a check will be deemed to be in good order upon
receipt, although Kansas City Life may require that the check first be converted
into federal funds. In addition, for a premium to be received in "good order,"
it must be accompanied by all required supporting documentation, in whatever
form required. If any additional premiums are received in good order before the
Reallocation Date (as defined below), the corresponding Net Premiums also will
be allocated to the Money Market Subaccount. On the Reallocation Date Contract
Value in the Money Market Subaccount will be allocated to the Subaccounts and
to the Fixed Account based on the Net Premium allocation percentages specified
in the application. The Reallocation Date is 30 days after the Allocation Date.

c. Allocation of Additional Premiums. Premiums received on or after the
Reallocation Date will be credited to the Contract and the Net Premiums will be
invested as requested on the Valuation Day they are received at Kansas City
Life's Home Office, except if additional underwriting is required. Premium
payments requiring additional underwriting will not be credited to the Contract
until underwriting has been completed and the premium payment has been accepted.
(See "Underwriting Requirements" above). If the additional premium payment is
rejected, Kansas City Life will return the premium payment immediately, without
any adjustment for investment experience.

II. Transfers Among Accounts

A. Transfer Privilege

1. General. After the Reallocation Date and prior to the Maturity Date,
the Owner may transfer all or part of an amount in the Subaccount(s) to another
Subaccount(s) or to the Fixed Account, or transfer a part of an amount in the
Fixed Account to the Subaccount(s), subject to the restrictions described below.
Kansas City Life will make the transfer on the Valuation Day that it receives
Written Notice requesting such transfer. Transfers may also be made by
telephone if the appropriate ele ction has been made at the time of application
or proper authorization has been provided.

2. General Restrictions on Transfer Privilege. The minimum transfer amount
is the lesser of $250 or the entire amount in that Subaccount or the Fixed
Account. A transfer request that would reduce the amount in a Subaccount or the
Fixed Account below $250 will be treated as a transfer request for the entire
amount in that Subaccount or the Fixed Account. There is no limit on the number
of transfers that can be made among Subaccounts or to the Fixed Account.
However, only one transfer may be made from the Fixed Account each Contract
Year. (For a description of those restrictions, see "Restrictions on Transfers
from Fixed Account," below.) The first six transfers during each Contract Year
are free. Any unused free transfers do not carry over to the next Contract
Year. Kansas City Life will assess a $25 Transfer Processing Fee for the
seventh and each subsequent transfer during a Contract Year. For the purp ose
of assessing the fee, each Written Request (or telephone request) is considered
to be one transfer, regardless of the number of Subaccounts or the Fixed Account
affected by the transfer. The processing fee will be deducted from the amount
being transferred or from the remaining Contract Value, according to the Owner's
instructions.

3. Restrictions on Transfers from Fixed Account. One transfer each
Contract Year is allowed from the Fixed Account to any or all of the
Subaccounts. The amount transferred from the Fixed Account may not
exceed 25% of the unloaned Fixed Account Value on the date of transfer,
unless the balance after the transfer is less than $250, in which case
Kansas City Life will transfer the entire amount.

B. Dollar Cost Averaging Plan

1. General. The Dollar Cost Averaging Plan, if elected, enables the Owner
to transfer systematically and automatically, on a monthly basis for a
period of 3 to 36 months, specified dollar amounts from the Money Market
Subaccount to other Subaccounts. At least $250 must be transferred
from the Money Market Subaccount each month. The required amounts may
be allocated to the Money Market Subaccount through initial or
subsequent premium payments or by transferring amounts into the Money
Market Subaccount from the other Subaccounts or from the Fixed Account
(which may be subject to certain restrictions).

2. Election and Operation of the Program. The Owner may elect this plan at
the time of application by completing the authorization on the
application or at any time after the Contract is issued by properly
completing the election form and retu rning it to Kansas City Life. The
election form allows the Owner to specify the number of months for the
Dollar Cost Averaging Plan to be in effect. Dollar cost averaging
transfers will commence on the next Monthly Anniversary Day on or next
following the Reallocation Date or the date The Owner requests. Dollar
cost averaging will terminate at the completion of the designated number
of months or the day Kansas City Life receives Written Notice
instructing Kansas City Life to cancel the Dollar Cost Averaging Plan.

Transfers made from the Money Market Subaccount for the Dollar Cost Averaging
Plan will not count toward the six transfers permitted each Contract Year
without imposing the Transfer Processing Fee.

C. Portfolio Rebalancing Plan

1. General. The Owner may elect to have the accumulated balance of each
Subaccount redistributed to equal a specified percentage of the Variable Account
Value. This will be done on a quarterly basis at three-month intervals from the
Monthly Anniversary Day on which the Portfolio Rebalancing Plan commences.

2. Election and Operation of the Plan. The Owner may elect this plan at the
time of application by completing the authorization on the application or at
any time after the Contract is issued by properly completing the election form
and returning it to us. If elected, this plan automatically adjusts the
Owner's Portfolio mix to be consistent with the allocation most recently
requested. The redistribution will not count toward the six transfers
permitted each Contract Year without imposing the Transfer Processing Fee. If
the Dollar Cost Averaging Plan has been elected and has not been completed, the
Portfolio Rebalancing Plan will commence on the Monthly Anniversary Day
following the termination of the Dollar Cost Averaging Plan. Portfolio
rebalancing will terminate when you request any transfer or the day Kansas City
Life receive Written Notice instructing us to cancel the Portfolio Rebalancing
Plan. If the Contract Value is negative at the time portfolio rebalancing is
scheduled, the re-distribution will not be completed.

III. "Redemption" Procedures: Full and Partial Surrenders, Maturity Benefit,
Death Benefits, and Loans

A. "Free-Look" Period

The Owner may cancel the Contract for a refund during the "free-look" period.
This period expires 10 days after the Owner receives the Contract. If the Owner
decides to cancel the Contract, the Owner must return it by mail or other
delivery method to the Home Office or to the authorized Kansas City Life agent
who sold it. Immediately after mailing or delivery, the Contract will be deemed
void. Within seven calendar days after Kansas City Life receives the returned
Contract, Kansas City Life will refund premiums paid. In some states Kansas
City Life may be required to refund the greater of Contract Value and premiums
paid.

B. Surrendering the Contract for Cash Surrender Value

The Owner may surrender the Contract at any time for its Cash Surrender Value by
submitting a written request to the Home Office. Kansas City Life may require
return of the Contract. A surrender request will be processed as of the date
the Owner's written request and all required documents are received. Payment
will generally be made within seven calendar days. The Cash Surrender Value may
be taken in one lump sum or it may be applied to a payment option. The Owner's
Contract will terminate and cease to be in force if it is surrendered for one
lump sum. It cannot later be reinstated.

C. Partial Surrenders

1. General. The Owner may make partial surrenders under the contract at
any time, subject to the conditions below. The Owner must submit a Written
Request to the Home Office. Each partial surrender must be at least $500. The
partial surrende r amount may not exceed the Cash Surrender Value, less $300. A
Partial Surrender Fee will be assessed on a partial surrender. This charge will
be deducted from the Owner's Contract Value in addition to the amount requested
to be surrendered and will be considered part of the surrender (together,
"partial surrender amount"). As of the date Kansas City Life receives a Written
Request for a p artial surrender, the Contract Value will be reduced by the
partial surrender amount.

2. Allocation of Partial Surrender Among the Accounts. When the Owner
requests a partial surrender, the Owner can direct how the partial surrender
amount will be deducted from Contract Value in the Subaccounts and Fixed
Account. If the Owner p rovides no directions, the partial surrender amount
will be deducted from Contract Value in the Subaccounts and Fixed Account on a
pro-rata basis.

3. Effect of Partial Surrender on Death Benefit. If Coverage Option A or L
is in effect, Kansas City Life will reduce the Contract Value by the partial
surrender amount. The Total Sum Insured will be reduced by the partial
surrender amount min us the excess, if any, of the Death Benefit over the Total
Sum Insured at the time the partial surrender is made. If the partial surrender
amount is less than the excess of the Death Benefit over the Total Sum Insured,
the Total Sum Insured will not be reduced. If Coverage Option B is in effect
Kansas City Life will reduce the Contract Value by the partial surrender amount.
Kansas City Life reserves the right to reject a partial surrender request if the
partial surrender would reduce the Tot al Sum Insured below the minimum amount
for which the Contract would be issued under Kansas City Life's then-current
rules, as interpreted by Kansas City Life.

4. Date Partial Surrender Requests Are Processed. Partial surrender
requests will be processed as of the date the Owner's written request is
received in good order, and generally will be paid within seven calendar days.
A written request for a partial surrender will be deemed to be good order when,
among other things, all required supporting documentation has been received.

D. Partial Surrender Fee
Kansas City Life will deduct an administrative charge upon a partial surrender.
This charge is the lesser of 2% of the amount surrendered or $25. This charge
will be deducted from the Contract Value in addition to the amount requested to
be surrend ered and will be considered to be part of the partial surrender
amount.

E.. Redemptions for Monthly Deduction
On the Allocation Date, Kansas City Life will deduct Monthly Deductions for the
Contract Date and each Monthly Anniversary that has occurred prior or on to the
Allocation Date. (The Monthly Deduction is described in Appendix A.)
Subsequent Monthly Deductions will be made as of each Monthly Anniversary Day
thereafter. The Owner's Contract Date is the date used to determine the Owner's
Monthly Anniversary Day. The Monthly Deduction consists of (1) monthly expense
charges, (2) cost of insurance charges, and (3) any charges for optional
benefits. The Monthly Deduction is deducted from the Variable Accounts and
Fixed Account pro rata on the basis of the portion of Contract Value in each
account on the Monthly Anniversary Day.

F. Death Benefits

As long as the Contract remains in force, Kansas City Life will pay the Death
Benefit proceeds upon receipt at the Home Office of proof of the death of the
last surviving Insured that Kansas City Life deems satisfactory. Kansas City
Life may also re quire proof of the death of the Insured who died first and may
require return of the Contract. The Death Benefit will be paid in a lump sum
generally within seven calendar days of receipt of satisfactory proof or, if
elected, under a payment option. The Death Benefit will be paid to the
Beneficiary.

Under certain circumstances and in accordance with established administrative
procedures, Kansas City Life will pay death benefit proceeds through Kansas City
Life's Personal Growth Account, an interest bearing account. Proceeds paid
through the Per sonal Growth Account are placed in our general account. Check-
writing privileges are provided in the Personal Growth Account under which the
bank that pays the check will be reimbursed by Kansas City Life out of the
proceeds held in our general acco unt. A Contract Owner or beneficiary
(whichever applicable) will have immediate access to the proceeds by writing a
check on the account. Kansas City Life pays interest from the date of death to
the date the Personal Growth Account is closed. The pr ospectus for the
Contracts advises prospective and current Contract Owners of the foregoing and
that the Personal Growth Account is not a bank account and is not insured nor
guaranteed by the FDIC or any other government agency.

1. Amount of Death Benefit Proceeds. The Death Benefit proceeds payable
upon the death of the last surviving Insured are equal to the sum of: (1) the
greater of: (a) the Death Benefit under the Coverage Option selected,
calculated as of the da te of the last surviving Insured's death, or (b) the
Corridor Death Benefit; and (2) an amount equal to any benefits provided by any
option benefits or riders, plus any premiums received after the date of death,
minus any indebtedness on that date, a nd, if the death occurred during a grace
period, minus any past due Monthly Deductions. A minimum Death Benefit may be
provided under the Guaranteed Minimum Death Benefit Option. If all or part of
the Death Benefit proceeds are paid in one sum, Kan sas City Life will pay
interest on this sum as required by applicable state law from the date of
receipt of due proof of the last surviving Insured's death to the date of
payment.

2. Coverage Options. The Contract Owner may choose one of three Coverage
Options, which will be used to determine the Death Benefit. Under Option A,
the Death Benefit is equal to the Total Sum Insured on the date of death of the
last surviving Insured. Under Option B, the Death Benefit is the Total Sum
Insured on the date of death of the last surviving Insured plus the Contract
Value on the date of such death. Under Coverage Option L, the Death Benefit
will be the sum of: (1) the Total Sum Insured on the date of death of the last
surviving Insured; and (2) the Contract Value on the Contract Anniversary
preceding the death of the last surviving Insured multiplied by the applicable
Option L Death Benefit Percentage less the Total Su m Insured on that Contract
Anniversary. If the amount in (2) of the Option L Death Benefit calculation is
less than zero then the Option L Death Benefit will be equal to the amount
calculated in (1).

3. Initial Specified Amount and Coverage Option. The Initial Specified
Amount is set at the time the Contract is issued. The Owner may change
the Specified Amount from time to time, as discussed below. The Owner
selects the Coverage Option when the Owner applies for the Contract.
The Owner also may change the Coverage Option, as discussed below.

4. Changes in Coverage Option. Kansas City Life reserves the right to
require that no change in Coverage Option occur during the first Contract Year
and that no more than one increase be made in any 12-month period. Coverage
Option L is only a vailable at issue. After any change, the Total Sum Insured
must be at least $200,000 and the Specified Amount must be at least $100,000.
The effective date of the change will be the Monthly Anniversary Day following
the date Kansas City Life approv es the Owner's application for change.

If the Coverage Option is B or L, it may be changed to A. The Total Sum Insured
will not change. If the Coverage Option is A or L, it may be changed to B
subject to evidence of insurability satisfactory to Kansas City Life. (See
Underwriting Requirements,above.) The new Total Sum Insured will be the
greater of the Total Sum Insured less the Contract Value as of the date of
change or $25,000. If the Coverage Option is changed to B, the Guaranteed
Minimum Death Benefit Option, if in effect , will terminate.

Kansas City Life reserves the right to decline any Coverage Option change that
Kansas City Life determines would cause the Contract to not qualify as life
insurance under applicable tax laws.

5. Increases in the Additional Insurance Amount
Increases to the Additional Insurance Amount may be made either through
scheduled annual increases requested and through unscheduled increases requested
at any other time of the Owner's choosing. The maximum Additional Insurance
Amount coverage is f our times the Specified Amount at issue. This coverage may
increase to a maximum of eight times the Specified Amount after issue under
scheduled annual increases.

Scheduled increases to the Additional Insurance Amount, subject to Kansas City
Life's approval, may be based on a flat amount annual increase or a percentage
annual increase. Available percentage increases range from 0-25% of the
Additional Insuran ce Amount. The percentage increase will be based on the
specified percentage of the Additional Insurance Amount at the time the
scheduled increase occurs. Available amounts for a flat amount increase not to
exceed a dollar amount equal to 25% of t he Additional Insurance Amount at
issue. The Guaranteed Minimum Death Benefit Option will not be available if the
Additional Insurance Amount is, or is scheduled to, exceed the Specified Amount.

The Owner may request increases to the Additional Insurance Amount other than
the annual, scheduled increases available at issue. Kansas City Life reserve
the right to require that no increases in Additional Insurance Amount occur
during the first C ontract Year and that no more than one increase be made in
any 12-month period.

Any requested, unscheduled increase in the Additional Insurance Amount must be
at least $10,000 and an application must be submitted. Kansas City Life
reserves the right to require satisfactory evidence of insurability. In
addition, the Insureds' attained Age must be less than the current maximum
issue Age for the Contracts, as determined by Kansas City Life from time to
time. A change in Planned Periodic Premiums may be advisable.

The increase in the Additional Insurance Amount will become effective on the
Monthly Anniversary Day on or next following the date the request for the
increase is received and approved. If the Additional Insurance Amount is
increased to be greater t han the Specified Amount, the Guaranteed Minimum Death
Benefit Option, if applicable, will terminate. In addition, if the Cash
Surrender Value is at any time insufficient to pay monthly deductions for the
Contract, the Additional Insurance Amount an d riders will terminate in order to
preserve the Guaranteed Minimum Death Benefit Option.

6. Decreases in Total Sum Insured
The Owner may request a decrease in the Total Sum Insured. When a decrease in
Total Sum Insured is made, Kansas City Life will first reduce any amount of
Additional Insurance Amount remaining and only then reduce the Specified Amount,
starting with the latest increase and continuing in the reverse order in which
the increases were made. If the Specified Amount is decreased, the Guaranteed
Minimum Death Benefit Option coverage amount will be decreased by the same
amount. Under certain circumst ances, a partial surrender will result in a
decrease in the Total Sum Insured.

Kansas City Life reserves the right to require that no decreases occur during
the first Contract Year and that no more than one decrease be made in any 12-
month period.

Kansas City Life reserves the right to require that the Total Sum Insured after
any decrease be at least $200,000 and the Specified Amount must be $100,000. The
Owner must provide written notice to the Home Office of his intention to
decrease the Spe cified Amount. The effective date of the decrease will be the
Monthly Anniversary Day following the date Kansas City Life approves the Owner's
request for a decrease.

Decreasing the Total Sum Insured may have the effect of decreasing monthly Cost
of Insurance Charges. However, a decrease will not decrease the Target Premium
or Guaranteed Minimum Death Benefit Option Premium.

G. Loans
1. When Loans are Permitted. Prior to the death of the Insured, the Owner
may borrow against the Contract at any time by submitting a written request to
the Home Office, provided that the Cash Surrender Value of the Contract is
greater than zero. Loans may also be made by telephone if the appropriate
election has been made at the time of application or proper authorization has
been provided to us. The maximum loan amount is equal to the Contract's Cash
Surrender Value on the effective date of the loan less loan interest to the
next Contract Anniversary. Contract loans will be processed as of the date the
Owner's written request is received and approved. Loan proceeds generally will
be sent to the Owner within seven calendar days.

2. Interest. Kansas City Life will charge interest on any Indebtedness at
an annual rate of 6.0%. Interest is due and payable at the end of each Contract
Year while a loan is outstanding. If interest is not paid when due, the amount
of the in terest is added to the loan and becomes part of the Indebtedness.

3. Loan Collateral. When a Contract loan is made, an amount sufficient to
secure the loan is transferred out of the Subaccounts and the unloaned value in
the Fixed Account and into the Contract's Loan Account. Thus, a loan will have
no immediate effect on the Contract Value, but the Cash Surrender Value will be
reduced immediately by the amount transferred to the Loan Account. The Owner
may specify the Variable Accounts and/or Fixed Account from which collateral
will be transferred. If no allocation is specified, collateral will be
transferred from each Subaccount and from the unloaned value in the Fixed
Account in the same proportion that the Contract Value in each Subaccount and
the unloaned value in the Fixed Account bears to the total Contract Value in
those accounts on the date that the loan is made. An amount of Cash Surrender
Value equal to any due and unpaid loan interest will also be transferred to the
Loan Account on each Contract Anniversary. Due and unpaid interest will be
transferred from each Subaccount and the unloaned value in the Fixed Account in
the same proportion that each Subaccount Value and the unloaned value in the
Fixed Account Value bears to the total unloaned Contract Value.

The Loan Account will be credited with interest at an effective annual rate of
not less than 4%. Interest earned on the Loan Account will be added to the
Fixed Account.

4. Preferred Loan Provision. Beginning in the eleventh Contract Year, a
preferred loan may be requested. The maximum amount available for a
preferred loan is the Contract Value less premiums paid and may not
exceed the maximum loan amount. The amount in the Loan Account securing
the preferred loan will be credited with interest at an effective annual
rate of 6.0%. The preferred loan provision is not guaranteed.

5. Loan Repayment;. The Owner may repay all or part of the Owner's
Indebtedness at any time while the Insured is living and the Contract is in
force. Kansas City Life reserves the right to require that each loan repayment
be at least $50.00. L oan repayments must be sent to the Home Office and will
be credited as of the date received. A loan repayment must be clearly marked as
"loan repayment" or it will be credited as a premium. When a loan repayment is
made, Contract Value in the Loan Account in an amount equal to the repayment is
transferred from the Loan Account to the Subaccounts and the unloaned value in
the Fixed Account. Unless specified otherwise by the Owner, loan repayment
amounts will be transferred to the Subaccounts a nd the unloaned value in the
Fixed Account according to the premium allocation instructions in effect at that
time.

6. Reduction in Death Benefit. If the Death Benefit becomes payable while
a loan is outstanding, the Indebtedness will be deducted in calculating
the Death Benefit proceeds.

7. Default. If the Loan Account Value exceeds the Contract Value less any
applicable Surrender Charge on any Valuation Day, the Contract will be
in default. The Owner, and any assignee of record, will be sent notice
of the default. The Owner will have a 61-day grace period to submit a
sufficient payment to avoid termination of coverage under the Contract.
The notice will specify the amount that must be repaid to prevent
termination.

H. Payment Options

The Contract offers a variety of ways of receiving proceeds payable under the
Contract, such as on surrender, death or maturity, other than in a lump sum.
These payment options are summarized below. The Owner may apply proceeds of
$2,000 or more which are payable under this Contract to any of the following
options:

1. Option 1 - Interest Payments. Kansas City Life will make interest
payments to the payee annually or monthly as elected. Interest on the
proceeds will be paid at the guaranteed rate of 3.0% per year and may be
increased by additional interest paid annually. The proceeds and any
unpaid interest may be withdrawn in full at any time.

2. Option 2 - Installments of a Specified Amount. Kansas City Life will
make annual or monthly payments until the proceeds plus interest are
fully paid. Interest on the proceeds will be paid at the guaranteed
rate of 3.0% per year and may be increased by additional interest. The
present value of any unpaid installments may be withdrawn at any time.

3. Option 3 - Installments For a Specified Period. Payment of the proceeds
may be made in equal annual or monthly payments for a specified number
of years. Interest on the proceeds will be paid at the guaranteed rate
of 3.0% per year and may be increased by additional interest. The
present value of any unpaid installments may be withdrawn at any time.

4. Option 4 - Life Income. Kansas City Life will pay an income during the
payee's lifetime. You also may choose a minimum guaranteed payment period or an
installment refund option as part of your life income payment option. The
minimum guaranteed payment period guarantees that life income payments will
continue after death until payments have been paid for the full guaranteed
payment period selected. The installment refund option guarantees that life
income payments will continue after death until the total income payments
received equal the amount of proceeds applied when the option was initially
selected.

5. Option 5 - Joint and Survivor Income. Kansas City Life will pay an
income during the lifetime of two persons and will continue to pay the same
income as long as either person is living. The minimum guaranteed payment
period will be ten years.

6. Minimum Amounts. Kansas City Life reserves the right to pay the total
amount of the Contract in one lump sum, if less than $2000. If payments
are less than $50, payments may be made less frequently at Kansas City
Life's option. If Kansas City Life has available at the time a payment
option is elected options or rates on a more favorable basis than those
guaranteed, the more favorable benefits will apply.

I. Delay in Redemptions or Transfers
Kansas City Life will ordinarily pay any Death Benefit proceeds, loan proceeds,
partial surrender proceeds, or full surrender proceeds within seven calendar
days after receipt at the Home Office of all the documents required for such a
payment. Othe r than the Death Benefit, which is determined as of the date of
death, the amount will be determined as of the date of receipt of required
documents. However, Kansas City Life may delay making a payment or processing a
transfer request if (1) the New York Stock Exchange is closed for other than a
regular holiday or weekend, trading is restricted by the SEC, or the SEC
declares that an emergency exists as a result of which the disposal or valuation
of Variable Account assets is not reasonably practicable; or (2) the SEC by
order permits postponement of payment to protect Kansas City Life's Contract
Owners.

J. Telephone Transfer, Premium Allocation Changes and Loan Privileges

1. Election of the Program. Transfers, changes in premium allocation and
loan requests will be based upon instructions given by telephone, provided the
appropriate election has been made at the time of application or proper
authorization has be en provided to Kansas City Life. Kansas City Life reserves
the right to suspend telephone transfer, premium allocation and/or loan
privileges at any time, for any reason, if it deems such suspension to be in the
best interests of Contract Owners.

2. Procedures Employed to Confirm Genuineness of Telephone Transfer,
Premium Allocation Changes and Loan Privileges Instructions. Kansas City Life
will employ reasonable procedures to confirm that instructions communicated by
telephone are gen uine, and if Kansas City Life follows those procedures it will
not be liable for any losses due to unauthorized or fraudulent instructions.
Kansas City Life may be liable for such losses if it does not follow those
reasonable procedures. The procedures Kansas City Life will follow for
telephone transfers, premium allocation changes and loans include requiring some
form of personal ident ification prior to acting on instructions received by
telephone, providing written confirmation of the transaction, and making a tape
recording of the instructions given by telephone.

APPENDIX A
On the Allocation Date, Kansas City Life will deduct Monthly Deductions for the
Contract Date and each Monthly Anniversary that has occurred prior to or on the
Allocation Date. Subsequent Monthly Deductions will be made as of each Monthly
Anniversar y Day thereafter. The Contract Date is the date used to determine
Monthly Anniversary Day. The Monthly Deduction consists of (1) monthly expense
charges, (2)cost of insurance charges, and (3) any optional benefit charges, as
described below. The Monthly Deduction is deducted from the Variable Accounts
and Fixed Account pro rata on the basis of the portion of Contract Value in each
account on the Monthly Anniversary Day.

Monthly Expense Charge. The Monthly Expense Charge is made up of two
parts:

(1) a charge of $12.50 per month for the first five Contract
Years.
(2) a monthly expense charge of $7.50 plus $.02 per $1,000
of Total Sum Insured per month for all Contract Years.

The Monthly Expense Charge reimburses Kansas City Life for expenses incurred in
the administration of the Contracts and the Variable Account. Such expenses
include but are not limited to: underwriting and issuing the Contract,
confirmations, annual reports and account statements, maintenance of Contract
records, maintenance of Variable Account records, administrative personnel
costs, mailing costs, data processing costs, legal fees, accounting fees,
filing fees, the costs of other services necessary for Contract Owner
servicing and all accounting, valuation, regulatory and updating
requirements. The Monthly Expense Charge is guaranteed not to increase.

Cost of Insurance Charge. This charge compensates Kansas City Life for
the expense of providing insurance coverage. The charge depends on a number of
variables and therefore will vary from Contract to Contract and from Monthly
Anniversary Day to Monthly Anniversary Day. For any Contract, the cost of
insurance on a Monthly Anniversary Day is calculated by multiplying the current
cost of insurance rate for the Insureds by the net amount at risk for that
Monthly Anniversary Day.

The net amount at risk on a Monthly Anniversary Day is the difference between
the Death Benefit (see Coverage Options, page 30), discounted with one month
of interest and the Contract Value, as calculated on that Monthly Anniversary
Day before the cost of insurance charge is taken. The interest rate used to
discount the Death Benefit is the monthly equivalent of 4% per year.

The cost of insurance rate for a Contract on a Monthly Anniversary Day is based
on the Insureds' Age, sex, number of completed Contract Years, Total Sum
Insured and risk class, and therefore varies from time to time. Kansas City
Life currently places
Insureds in the following classes, based on underwriting: Standard Tobacco
User, Standard Nontobacco User, Preferred Nontobacco User and Preferred Tobacco
User. The Insureds may be placed in a substandard risk class, which involves a
higher mort ality risk than the Standard Tobacco User or Standard Nontobacco
User classes.

Kansas City Life places the Insureds in a risk class when the Contract is given
underwriting approval, based on Kansas City Life's underwriting of the
application. When an increase in Additional Insurance Amount is requested,
Kansas City Life conduc ts underwriting before approving the increase to
determine the risk class that will apply to the increase. If the risk class for
the increase has lower cost of insurance rates than the existing risk class, the
lower rates will apply to the entire Sp ecified Amount. If the risk class for
the increase has higher cost of insurance rates than the
existing class, the higher rates will apply only to the increase in Additional
Insurance Amount, and the existing risk class will continue to apply to the
existing Additional Insurance Amount.

Kansas City Life guarantees that the cost of insurance rates used to calculate
the monthly cost of insurance charge will not exceed the maximum cost of
insurance rates set forth in the Contract. The guaranteed rates for standard
and preferred risk classes are based on the 1980 Commissioners' Standard
Ordinary Mortality Tables, Male or Female, Smoker or Nonsmoker Mortality Rates
(1980 CSO Tables). The guaranteed rates for substandard classes are based on
multiples of or additives to the 1980 CSO Tables.

Kansas City Life's current cost of insurance rates may be less than the
guaranteed rates that are set forth in the Contract. Current cost of insurance
rates will be determined based on Kansas City Life's expectations as to future
mortality experience. These rates may change from time to time.

Cost of insurance rates (whether guaranteed or current) for one or both Insureds
in a nontobacco user standard class are lower than rates for one or both
Insureds of the same age and sex in a tobacco user standard class. Cost of
insurance rates (whether guaranteed or current) for one or both Insureds in a
nontobacco user or tobacco user standard risk class are lower than rates for one
or both Insureds of the same age, sex and tobacco user class in a substandard
risk class.

Guaranteed Minimum Death Benefit Option Charge. There is no charge for
the Guaranteed Minimum Death Benefit Option in the first ten Contract Years.
Beginning in Contract Year 11, the charge will be $.01 per $1,000 on a current
basis and $.0 3 per $1,000 on a guaranteed basis. This charge will be based on
the Specified Amount and will be deducted monthly.

Reduced Charges for Eligible Groups
The charges otherwise applicable may be reduced with respect to Contracts issued
to a class of associated individuals or to a trustee, employer or similar entity
where Kansas City Life anticipates that the sales to the members of the class
will result in lower than normal sales or administrative expenses. These
reductions will be made in accordance with our rules in effect at the time of
the application for a Contract. The factors Kansas City Life will consider in
determining the eligibility of a particular group for reduced charges and the
level of the reduction are as follows: the nature of the association and it
organizational fr amework, the method by which sales will be made to the members
of the class, the facility with which premiums will be collected from the
associated individuals and the association capabilities with respect to
administrative tasks, the anticipated per sistency of the Contract, the size of
the class of associated individuals and the number of years it has been in
existence and any other such circumstances which justify a reduction in sales or
administrative expenses. Any reduction will be reasonable and will apply
uniformly to all prospective Contract purchases in the class and will not be
unfairly discriminatory to the interest of any Contract holder.

Supplemental and/or Rider Benefits
The following optional benefits are available and may be added to the Contract.
Monthly charges for these optional benefits will be deducted from Contract Value
as part of the Monthly Deduction. All of these benefits may not be available in
all states.

Contract Split Option Rider
Issue Ages: 20-75
This rider allows the Owner to split the Contract equally into two
individual policies, one on the life of each Insured. This split option will be
offered without evidence of insurability under the conditions that the request
is made as the result of either (1) the divorce of the two Insureds; or (2) as a
result of a change in the Unlimited Federal Estate Tax marital deduction or a
reduction in the maximum Federal Estate Tax bracket rate to a rate below 25%.
Specific other conditions must also be met in order to qualify. When this
option is exercised, the existing Contract will be terminated. The new
contracts will be based on the Insureds' Age, sex, and risk class at the time of
issue of the original Contract. This rider will terminate at the older
Insured's age 80. The rider will also terminate if the Owner elects to keep the
Guaranteed Minimum Death Benefit Option in effect after it is determined that
funding is not adequate to cover these rider charges.

Joint First to Die Term Life Insurance Rider
Issue Ages: 20-85
This rider covers the Insureds under the Contract and provides yearly
renewable term coverage on the first Insured to die on or before the
older Insured's age 100 and while this rider is in force. The coverage
under this rider may be increased (subject to insurability) or
decreased. The Owner may also choose at issue a schedule for the
coverage to decrease annually. The scheduled decreases may be based on
the percentage of the coverage amount or may be a flat dollar amount.
If this rider is elected, the Guaranteed Minimum Death Benefit Option is
not available on the Contract.

Joint Survivorship Four-Year Term Life Insurance Rider
Issue Ages: 20-85
This rider provides four-year level term insurance and expires four
years after the effective date of the rider. The term insurance provides a
death benefit payable at the death of the last surviving Insured. The
minimum coverage is $100,000 and the maximum coverage is equal to the Total
Sum Insured.

The rider will also terminate if the Owner elects to keep the Guaranteed
Minimum Death Benefit Option in effect after it is determined that funding
is not adequate to cover these rider charges.

Bonus on Contract Value in the Variable Account
A bonus may be credited to the Contract on each Monthly Anniversary Day
following the Contract Date. The monthly bonus applies to Contracts with a
Total Sum Insured of $5,000,000 and above and equals an annual rate of .125% of
the Contract Value in each Subaccount of the Variable Account. The bonus is not
guaranteed and will be paid at Kansas City Life's sole discretion.

July 14, 1997

Kansas City Life Insurance Company
3520 Broadway
Kansas City, MO 64111-2565

Re: Registration Statement

To Whom It May Concern:

In connection with the proposed registration under the Securities Act of 1933,
as amended, of individual variable life insurance contracts (the "Contracts")
and interests in the Kansas City Life Variable Life Separate Account (the
"Separate Account" ), I have examined the documents relating to the
establishment of the Separate Account by the Board of Directors of Kansas City
Life Insurance Company (the " Company") as a separate account for assets
applicable to variable life insurance contracts, pursuant to Section 376.309
RSMo., as amended, and the Registration Statement, on Form S-6 (the
"Registration Statement"), and I have examined such other documents and reviewed
such matters of law as I deem necessary for this option, and I advise yo u that
in my opinion:

1. The Separate Account is a separate account of the Company duly created
and validly existing pursuant to the laws of the State of Missouri.

2. The Contracts, when issued in accordance with the Prospectus
constituting a part of the Registration Statement and upon compliance
with applicable local law, will be legal and binding obligations of the
Company in accordance with their respec tive terms.

3. The portion of the assets held in the Separate Account equal to reserves
and other contract liabilities with respect to the Separate Account are
not chargeable with liabilities arising out of any other business the
Company may conduct.

I consent to the filing of this opinion as an exhibit to the Registration
Statement and the use of my name under the heading "Legal Matters" in the
Prospectus constituting a part of the Registration Statement and to the
references to me wherever appearing herein.

Yours very truly,

/s/C. John Malacarne
C. John Malacarne

Exhibit 6
July 14, 1997
Actuarial Opinion

In my capacity as Vice President and Associate Actuary of Kansas City Life
Insurance Company, I have provided actuarial advice concerning:

The preparation of Pre-Effective Amendment No. 1 to the registration statement
of Form S-6, filed with the Securities and Exchange Commission under the
Securities Act of 1933, as amended, with respect to flexible premium
survivorship variable universal life insurance contract (the "Registration
Statement") and the preparation of contract forms for the flexible premium
survivorship variable universal life insurance contracts described in the
Registration Statement (the "Contract").

It is my professional opinion that:

The illustrations of death benefits, account values, net cash surrender values
and accumulated premiums in the Prospectus, based on the assumptions stated in
the illustrations, are consistent with the provisions of the Contracts. The rate
structure of the Contracts has not been designed as to make the relationship
between premiums and benefits, as shown in the illustrations, appear to be
correspondingly more favorable to prospective purchasers of Contracts age 35 in
the underwriting classes illustrated than to prospective purchasers of
Contracts at other ages or underwriting classes.

I hereby consent to the filing of this opinion as an Exhibit to the Registration
Statement and to the use of my name under the heading "Experts" in the
Prospectus.

Sincerely,

/s/Mark A. Milton

Mark A. Milton, FSA, MAAA
Vice President and Associate Actuary
Kansas City Life Insurance Company

Exhibit 7(a)
Consent of Independent Auditors

We consent to the reference to our firm under the caption "Experts",
to the use of our report dated January 27, 1997, with respect to the
consolidated financial statements of Kansas City Life Insurance
Company included in the Pre-Effective Amendment No. 1 to the
Registration Statement (Form S-6 No. 333-25443) and the related
Prospectus.

/s/Ernst & Young LLP
Ernst & Young LLP

Kansas City, Missouri
July 14, 1997

Exhibit 7(b)

July 14, 1997

Kansas City Life Insurance Company
3520 Broadway
Kansas City, Missouri 64141-6139

Re: Kansas City Life Variable Life Separate Account
File No. 333-25443

Gentlemen:

We hereby consent to the reference to our name under the caption
"Legal Matters" in the Prospectus filed as part of Pre-Effective
Amendment No. 1 to Form S-6 for Kansas City Life Variable Life
Separate Account, which prospectus describes certain flexible premium
variable survivorship universal life insurance contracts. In giving
this consent, we do not admit that we are in the category of person
whose consent is required under Section 7 of the Securities Act of
1933.

Very truly yours,

SUTHERLAND, ASBILL & BRENNAN LLP

By:/s/Stephen E. Roth
Stephen E. Roth