Kansas City Life Insurance Company
Guaranteed Minimum Death Benefit Rider
The Benefit
Kansas City Life Insurance Company guarantees payment of the death benefit of
this contract at the death of the Insured, regardless of the subaccounts'
investment performance, while this rider is in effect and the cumulative premium
requirement is met.
Guaranteed Minimum Death Benefit Rider Premium
The guaranteed minimum death benefit rider premium is the premium level which
guarantees that this rider will remain in effect, but in no case will the
premium keep the rider in effect beyond the rider expiration age, shown in
Section 1, Contract Data of the contract.
The cumulative guaranteed minimum death benefit rider premium is an amount equal
to the guaranteed minimum death benefit rider premium shown in Section 1,
Contract Data of the contract, paid monthly, with each premium accumulated at
the fixed account guaranteed interest rate, shown in Section 1, Contract Data of
the contract, to the date the cumulative premium requirement is tested. The
cumulative premium requirement is tested on each monthly anniversary.
Cumulative Premium Requirement
You must meet the cumulative premium requirement for this rider to remain in
effect. This requirement is met if cumulative paid premiums equal or exceed the
cumulative guaranteed minimum death benefit rider premium plus any loan balance
on each monthly anniversary day.
The cumulative paid premium is an amount equal to premiums paid less partial
surrenders each accumulated at the fixed account guaranteed interest rate, shown
in Section 1, Contract Data of the contract, to the date the cumulative premium
requirement is tested. The cumulative premium requirement is tested on each
monthly anniversary.
Notice Period
If you do not meet the cumulative premium requirement on any monthly
anniversary, this rider is in default. A 61-day notice period begins on the day
we mail the notice that this rider is in default. This notice will show the
premium required to maintain this rider. The premium in default will be the
amount by which the cumulative guaranteed minimum death benefit rider premium
plus any loan balance is greater than the cumulative paid premium. If you do not
meet the cumulative premium requirement and you do not pay an amount equal to
the premium in default by the end of the notice period, this rider will
terminate.
Effect on Other Riders
This rider will only guarantee that the contract's death benefit will remain in
effect. This rider does not guarantee that any other rider benefits will remain
in effect. All other riders terminate at the point the contract would have
terminated in absence of this rider.
If this contract includes any riders and the cash surrender value is less than
or equal to zero after the guaranteed payment period shown in Section 1,
Contract Data of the contract, you have the following options:
(1) terminate any other riders attached to this contract and keep the
death benefit in force under the terms of this rider; or
(2) pay sufficient premiums to obtain a positive cash surrender value to
avoid lapse of the contract and any riders.
If one of the above options are not selected, we will terminate your contract
and all riders.
Reinstatement of the Guaranteed Minimum Death Benefit Rider
You may apply to have this rider reinstated within two years of termination of
such rider while the contract is in force.
Reinstatement requires:
(1) a written request to reinstate this rider;
(2) satisfactory evidence of insurability, unless reinstatement 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 rider premium plus any loan balance exceeds the cumulative
paid premiums on the date of reinstatement, as described in the
cumulative premium requirement section.
We have the right to deny reinstatement of this rider more than once during the
life of the contract.
General Provisions
The following provisions apply to this rider:
(1) this rider is made a part of the contract to which it is attached;
(2) the benefit provided by this rider is subject to all the provisions of
this rider and the applicable contract provisions;
(3) this rider is nonparticipating. It will not participate in any of our
profits, losses or surplus earnings;
(4) this rider does not provide for cash or loan values;
(5) the expiration date of this rider is shown in Section 1, Contract Data
of the contract; and
(6) this rider terminates when the cumulative premium requirement for the
rider is not met subject to the notice period.
Cancellation
This rider may be canceled by you at any time. The cancellation will be
effective on the monthly anniversary day on or next following the date we
receive your request. Your request must be in writing and filed with us prior to
this date. We may require that the contract be submitted for endorsement to show
the cancellation.
Termination of Rider
This rider terminates on the earliest of:
(1) the date the contract terminates for any reason;
(2) the date this rider is canceled by you;
(3) the date the cumulative premium requirement is not met at the end of
the notice period; or
(4) the expiration date of this rider.
Signed for Kansas City Life Insurance Company, a stock company, at its Home
Office, 3520 Broadway, PO Box 219139, Kansas City, MO 64121-9139.
C. John Malacarne R. Philip Bixby
Secretary President
