Kansas City Life Insurance Company
Additional Life Insurance Rider
The Benefit
Kansas City Life Insurance Company will increase the specified amount of the
contract by the Additional Life Insurance Rider specified amount in calculating
the Insured's death benefit as provided in the Proceeds section of the contract.
We will pay this amount to the beneficiary upon receiving proof of the Insured's
death on or before the expiration date and while this rider is in force.
The specified 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 is as provided in the Cost of Insurance
provision of the contract. The Additional Life Insurance Rider specified amount
is treated as an increase in the specified amount of the contract as described
in the Contract Change Provision section of the contract.
Monthly Cost of Insurance
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
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 Table D,
Guaranteed Monthly Cost of Insurance Rates, of the contract. The guaranteed
maximum cost of insurance rates for special risk classes will be adjusted
appropriately.
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 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 Insured dies by suicide, while sane or insane, within two years after the
effective date of any increase in the specified amount under this rider, 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 specified amount for the Insured under this rider will not
be contested after the increase has been in force during the lifetime of the
Insured for two years following the effective date of the increase.
Age and Sex
If, while this rider is in force and the Insured is alive, it is determined that
the age or sex of the Insured has been incorrectly stated, the contract 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 fixed account guaranteed interest rate.
If, after the death of the Insured while this rider is in force, it is
determined that the age or sex of the Insured is not correct, the death benefit
will be that which would be purchased by the most recent cost of insurance
charge at the correct age or sex.
Supplemental Benefits
If additions are made to the contract value of the contract due to the Insured's
total disability in accordance with the Disability Continuance of Insurance
Rider, the cost of any benefits provided by this rider will also be added to the
contract value.
The terms of the Insured's Accidental Death Rider, if any, apply to the
specified amount under this rider if an accidental death specified amount is
shown separately for this rider in Section 1, Contract Data, 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) this term insurance is subject to all the provisions of this rider and
the applicable contract provisions;
(3) the effective date of this rider is specified in the rider description
in Section 1, Contract Data, of the contract;
(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 contract's maturity date as
shown in Section 1, Contract Data, of the contract.
Cancellation
You may cancel this rider 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 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 expiration date of this rider.
Signed for Kansas City Life Insurance Company, a stock company, at its Home
Office, 3520 Broadway, P.O. Box 219139 Kansas City, Missouri .64121-9139
C. John Malacarne R. Philip Bixby
Secretary President
