KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT, 485BPOS, 2000-08-28

KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT
485BPOS, 2000-08-28

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As filed with the Securities and Exchange Commission on August 28, 2000.
Registration No. 33-95354

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

POST-EFFECTIVE AMENDMENT NO. 7 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)

Copy to:
Stephen E. Roth, Esq.
Sutherland, Asbill & Brennan LLP
1275 Pennsylvania Avenue, N.W.
Washington, D.C. 20004-2415

It is proposed that this filing will become effective:

___ immediately upon filing pursuant to paragraph (b) of Rule 485 _X_ On August
29, 2000 pursuant to paragraph (b) of Rule 485 ___ 60 days after filing pursuant
to paragraph (a)(1) of Rule 485 ___ on (date) pursuant to paragraph (a)(1) of
Rule 485

Title of securities being registered: Individual Flexible Premium Variable Life
Insurance Contracts

The Prospectus is incorporated by reference to the Prospectus included in
registrant's post-effective Amendment No. 6 to Form S-6, Registration No.
33-95354 filed on May 1, 2000

Supplement Dated August 29, 2000 to Prospectus Dated May 1, 2000
Kansas City Life Variable Life Separate Account
Variable Universal Life Contract

Effective August 29, 2000, we are adding nine Subaccounts to the product. This
Supplement revises the Prospectus to provide information on these nine
Subaccounts and the corresponding Funds. This Supplement also provides new
information regarding changes to the Transfer Privilege section of the
Prospectus.

This Supplement adds information to the following five sections of the
Prospectus:

o Front page-Listing of Funds
o Diagram of the Contract-Deductions from Assets
o The Funds
o Transfer Privilege
o Illustrations

Listing of Additional Funds

We are adding the following portfolios of a designated mutual fund ("Funds") to
the listing on the front page of the Prospectus:

Federated Insurance Series Manager

Federated International Small Federated Global Investment Management Corp.
Company Fund II

Franklin Templeton Variable Manager
Insurance Products Trust

Franklin Small Cap Fund (Class 2) Franklin Advisers, Inc.
Franklin Real Estate Fund (Class 2) Franklin Advisers, Inc.
Templeton Developing Markets Templeton Asset Management Ltd.
Securities Fund (Class 2)

AIM Variable Insurance Funds Manager
AIM V.I. Dent Demographic Trends A I M Advisors, Inc.
Fund
AIM V.I. Telecommunications and
Technology Fund
AIM V.I. Value Fund

Seligman Portfolios, Inc. Manager
Seligman Capital Portfolio J. & W. Seligman & Co. Incorporated
(Class 2)
Seligman Communications and
Information Portfolio (Class 2)

Diagram of the Contract-Deductions from Assets

The following Fund expense information is added to the table beginning on page
5.

Federated
International
Small Company
Fund II

Federated Insurance Series Annual Expenses
(as a percentage of average net assets)
Management Fees (Investment Advisory Fees) 10/ 1.25%
Rule 12b-1 Fees 11/ 0.25%
Shareholder Services Fees 12/ 0.25%
Other Expenses 13/ 1.00%
Total Annual Fund Expenses 2.75%
Waiver of Fund Expenses 14/ (0.25%)
Net Annual Fund Expenses 14/ 2.50%

Templeton
Developing
Franklin Franklin Markets
Small Cap Real Estate Securities
Fund Fund Fund
(Class 2) 17/ (Class 2) (Class 2)
18/

Franklin Templeton Variable Insurance
Products Trust Annual Expenses
(as a percentage of average net assets)
Management Fees (Investment Advisory Fees) 0.55% 0.56% 15/ 1.25%
Rule 12b-1 Fees 16/ 0.25% 0.25% 0.25%
Other Expenses 0.27% 0.02% 0.31%
Total Annual Fund Expenses 1.07% 0.83% 1.81%

AIM V.I. AIM V.I. AIM V.I.
Dent Telecommunications Value
Demographic and Technology Fund
Trends Fund Fund
A I M Variable Insurance Funds
Annual Expenses
(as a percentage of average net assets)
Management Fees (Investment Advisory 0.85% 19/ 1.00% 0.61%
Fees)
Other Expenses 0.55% 20/ 0.27% 0.15%
Total Annual Fund Expenses 1.40% 1.27% 0.76%

Seligman Capital Seligman Communications
Portfolio and Information Portfolio
(Class 2) (Class 2)
Seligman Portfolios,
Inc. Annual Expenses
(as a percentage of average
net assets)
Management Fees (Investment 0.40% 0.75%
Advisory Fees)
Rule 12b-1 Fees 21/ 0.25% 0.25%
Other Expenses 0.19% 0.11%
Total Annual Fund Expenses 0.84% 1.11%
Waiver of Fund Expenses NA 22/ NA 22/
Net Annual Fund Expenses 0.84% 22/ 1.11% 22/

10/ The adviser expects to voluntarily waive a portion of the management fee.
The adviser can terminate this waiver at any time. The maximum management fee is
1.25%.
11/ The Fund has no present intention of paying or accruing the distribution fee
during the fiscal year ending December 31, 2000. The maximum distribution fee is
0.25%.
12/ The shareholder services provider expects to voluntarily waive a portion of
its fee during the fiscal year ending December 31, 2000. The maximum shareholder
services fee is 0.25%.
13/ Since the Fund recently commenced operations, Other Expenses is based on
estimates for the current year.
14/ The waiver amount shown in the table reflects only the waiver of the Rule
12b-1 Fees. After deducting the amount of voluntary waivers, the Net Annual Fund
Expenses would be 1.50%.
15/ The Fund administration fee is paid indirectly through the management fee.
16/ The Fund has a distribution plan or Rule 12b-1 plan that is described in the
Fund's prospectus.
17/ On 2/8/00, a merger and reorganization was approved that combined the assets
of the Fund with a similar fund of the Templeton Variable Products Series Fund,
effective 5/1/00. On 2/8/00, fund shareholders approved new management fees,
which apply to the combined fund effective 5/1/00. The table shows restated
Total Annual Fund Expenses based on the new fees and assets of the funds as of
12/31/99, and not the assets of the combined fund. However, if the table
reflected both the new fees and the combined assets, the Fund's expenses after
5/1/00 would be: Management Fees 0.55%, Rule 12b-1 Fees 0.25%, Other Expenses
0.27%, and Total Annual Fund Expenses 1.07%.
18/ On 2/8/00, shareholders approved a merger and reorganization that combined
the Fund with the Templeton Developing Markets Equity Fund, effective 5/1/00.
The shareholders of that fund had approved new management fees, which apply to
the combined fund effective 5/1/00. The table shows restated Total Annual Fund
Expenses based on the new fees and the assets of the fund as of 12/31/99, and
not the assets of the combined fund. However, if the table reflected both the
new fees and the combined assets, the Fund's expenses after 5/1/00 would be
estimated as: Management Fees 1.25%, Rule 12b-1 Fees 0.25%, Other Expenses
0.29%, and Total Annual Fund Expenses 1.79%.
19/ The advisor is to receive a fee calculated at the annual rate of 0.85% of
the first $2 billion of average daily net assets and 0.80% of the average daily
net assets over $2 billion.
20/ Other Expenses is calculated based on estimates for the current year.
21/ Under a Rule 12b-1 Plan adopted by the Fund with respect to each Portfolio,
Class 2 shares pay annual 12b-1 Fees of up to 0.25% of average net assets. Each
Portfolio pays this fee to Seligman Advisors, Inc., the principal underwriter of
the Portfolio's shares. Seligman Advisors uses this fee to make payments to
participating insurance companies or their affiliates for services that the
participating insurance companies provide to Contract owners of Class 2 shares,
and for distribution related expenses. Because these 12b-1 Fees are paid out of
the Portfolio's assets on an ongoing basis, over time they will increase the
cost of a Contract owner's investment and may cost you more than other types of
sales charges.
22/ The manager of Seligman Capital Portfolio and Seligman Communications and
Information Portfolio has voluntarily agreed to reimburse "Other Expenses" of
the Portfolio to the extent they exceed 0.20% per annum of average daily net
assets. No expenses were reimbursed in 1999. This agreement is not binding on
the manager.

The Funds

We are adding the investment objectives for each of the additional Portfolios to
The Funds section of the Prospectus beginning on page 11. The accompanying
prospectuses for the Funds describe these portfolios. You should also carefully
read the individual prospectuses for each of the Funds along with this
Prospectus. Please keep these prospectuses for future reference.

Please note that not all Funds may be available in California.

Federated Insurance Series
(Manager: Federated Global Investment Management Corp.)

Federated International Small Company Fund II. The investment objective is
to provide long-term growth of capital. The Fund pursues its investment
objective by investing at least 65% of its assets in equity securities of
foreign companies that have a market capitalization at the time of purchase of
$1.5 billion or less.

Franklin Templeton Variable Insurance Products Trust

Franklin Small Cap Fund (Class 2) (Manager: Franklin Advisers, Inc.). The
Fund's investment goal is long-term capital growth. Under normal market
conditions, the Fund will invest at least 65% of its total assets in the equity
securities of U.S. small capitalization (small cap) companies. For this Fund,
small cap companies are those companies with market cap values not exceeding (i)
$1.5 billion; or (ii) the highest market cap value in the Russell 2000 Index;
whichever is greater at the time of purchase.

Franklin Real Estate Fund (Class 2) (Manager: Franklin Advisers, Inc). The
Fund's principal investment goal is capital appreciation. Its secondary goal is
to earn current income. Under normal market conditions, the Fund will invest at
least 65% of its total assets in securities of companies operating in the real
estate industry.

Templeton Developing Markets Securities Fund (Class 2) (Manager: Templeton
Asset Management Ltd.) The Fund's investment goal is long-term capital
appreciation. Under normal market conditions, the Fund will invest at least 65%
of its total assets in emerging market equity securities.

AIM Variable Insurance Funds
(Manager: A I M Advisors, Inc.)

AIM V.I. Dent Demographic Trends Fund. The investment objective is
long-term growth of capital. The Fund seeks to meet its objective by investing
in securities of companies that are likely to benefit from changing demographic,
economic and lifestyle trends.

AIM V.I. Telecommunications and Technology Fund. The investment objective
is long-term growth of capital. The Fund seeks to meet its objective by
investing primarily in equity securities of companies throughout the world
engaged in the development, manufacture or sale of telecommunications and
technology services or equipment.

AIM V.I. Value Fund. The investment objective is to achieve long-term
growth of capital. Income is a secondary objective. The Fund seeks to meet its
objectives by investing primarily in equity securities judged by the Fund's
investment advisor to be undervalued relative to the investment advisor's
appraisal of the current or projected earnings of the companies issuing the
securities or relative to the equity market generally.

Seligman Portfolios, Inc.
(Manager: J. & W. Seligman & Co. Incorporated)

Seligman Capital Portfolio (Class 2). The objective is capital
appreciation. The Portfolio invests primarily in the common stock of
medium-sized U.S. companies.

Seligman Communications and Information Portfolio (Class 2). The
Portfolio's objective is capital gain. The Portfolio seeks to achieve this
objective by investing at least 80% of its net assets, exclusive of government
securities, short-term notes, and cash and cash equivalents, in securities of
companies operating in the communications, information and related industries.
The Portfolio generally invests at least 65% of its total assets in securities
of companies engaged in these industries.

Transfer Privilege

The following is added to the Transfer Privilege section beginning on page 18 of
the Prospectus:

An excessive number of transfers, including short-term "market timing"
transfers, may adversely affect the performance of the underlying Fund in
which a Subaccount invests. If, in our sole opinion, a pattern of excessive
transfers develops, we reserve the right not to process a transfer request.
We also reserve the right not to process a transfer request when the sale
or purchase of shares of a Fund is not reasonably practicable due to
actions taken or limitations imposed by the Fund.

Illustrations

The second sentence of the first paragraph under Charges Illustrated on page 30
is deleted and replaced by the following:

The tables assume an average annual expense ratio of 0.96% of the average
daily net assets of the Portfolios available under the Contracts.

The last sentence of the second paragraph under Charges Illustrated on page 30
is deleted and replaced by the following:

After deduction of Portfolio expenses and the mortality and expense risk
charge, the illustrated gross annual investment rates of return of 0%, 6%
and 12% corresponds to approximate net annual rates of -1.85%, 4.10% and
10.05%, respectively.

The illustration tables shown on pages 32 through 39 are deleted and replaced by
the following:

<TABLE>
<CAPTION>
$1,000 ANNUAL PREMIUM
$100,000 SPECIFIED AMOUNT
COVERAGE OPTION A
USING CURRENT COST OF INSURANCE RATES
BONUS PAID BEGINNING IN YEAR 11
Male, Standard Nonsmoker, Age 35

---------- --------------------- ----------------------------------------------- -------------------------------------
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 Year Accumulated at 5% Value Surrender Benefit Value Surrender Benefit Value Surrender Benefit
Interest per Year Value Value Value
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 1,050 481 0 100,000 524 0 100,000 567 0 100,000
2 2,153 1,183 263 100,000 1,306 387 100,000 1,435 515 100,000
3 3,310 1,862 462 100,000 2,111 711 100,000 2,380 980 100,000
4 4,526 2,517 817 100,000 2,937 1,237 100,000 3,409 1,709 100,000
5 5,802 3,148 1,148 100,000 3,784 1,784 100,000 4,530 2,530 100,000
6 7,142 3,752 1,790 100,000 4,652 2,690 100,000 5,749 3,787 100,000
7 8,549 4,330 2,418 100,000 5,541 3,629 100,000 7,075 5,163 100,000
8 10,027 4,880 3,018 100,000 6,450 4,588 100,000 8,521 6,659 100,000
9 11,578 5,403 3,591 100,000 7,379 5,567 100,000 10,096 8,284 100,000
10 13,207 5,896 4,386 100,000 8,328 6,818 100,000 11,814 10,304 100,000
15 22,657 8,167 8,167 100,000 13,766 13,766 100,000 23,720 23,720 100,000
20 34,719 9,625 9,625 100,000 19,962 19,962 100,000 43,064 43,064 100,000
25 50,113 9,783 9,783 100,000 26,713 26,713 100,000 75,092 75,092 100,000
30 69,761 7,758 7,758 100,000 33,592 33,592 100,000 128,015 128,015 153,618

------------ ------------------- --------- --------- ----------- -------- --------- -------- ------- --------- ---------

You should not assume that the hypothetical investment rates of return shown
above and elsewhere in this prospectus are representative of past or future
investment rates of return. These rates are hypothetical. Actual rates of return
may be more or less than those shown. The actual rates will depend on a number
of factors including the investment allocations you make, prevailing rates and
rates of inflation. The values for a Contract will 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.
Neither we, nor any Fund, can make the statement that these hypothetical rates
of return can be achieved for any one year or sustained over any period of time.
</TABLE>

$1,000 ANNUAL PREMIUM
$100,000 SPECIFIED AMOUNT
COVERAGE OPTION A
USING GUARANTEED COST OF INSURANCE RATES
NO BONUS PAID
Male, Standard Nonsmoker, Age 35
**
---------- --------------------- ----------------------------------------------- -------------------------------------
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 Year Accumulated at 5% Value Surrender Benefit Value Surrender Benefit Value Surrender Benefit
Interest per Year Value Value Value
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 1,050 481 0 100,000 524 0 100,000 567 0 100,000
2 2,153 1,183 263 100,000 1,306 387 100,000 1,435 515 100,000
3 3,310 1,862 462 100,000 2,111 711 100,000 2,380 980 100,000
4 4,526 2,517 817 100,000 2,937 1,237 100,000 3,409 1,709 100,000
5 5,802 3,148 1,148 100,000 3,784 1,784 100,000 4,530 2,530 100,000
6 7,142 3,752 1,790 100,000 4,652 2,690 100,000 5,749 3,787 100,000
7 8,549 4,330 2,418 100,000 5,541 3,629 100,000 7,075 5,163 100,000
8 10,027 4,880 3,018 100,000 6,450 4,588 100,000 8,521 6,659 100,000
9 11,578 5,403 3,591 100,000 7,379 5,567 100,000 10,096 8,284 100,000
10 13,207 5,896 4,386 100,000 8,328 6,818 100,000 11,814 10,304 100,000
15 22,657 7,861 7,861 100,000 13,327 13,327 100,000 23,056 23,056 100,000
20 34,719 8,741 8,741 100,000 18,568 18,568 100,000 40,638 40,638 100,000
25 50,113 7,877 7,877 100,000 23,506 23,506 100,000 68,779 68,779 100,000
30 69,761 4,112 4,112 100,000 27,184 27,184 100,000 114,595 114,595 137,514

------------ ------------------- --------- --------- ----------- -------- --------- -------- ------- --------- --------

</TABLE>

$1,000 ANNUAL PREMIUM
$100,000 SPECIFIED AMOUNT
COVERAGE OPTION B
USING CURRENT COST OF INSURANCE RATES
BONUS PAID BEGINNING IN YEAR 11
Male, Standard Nonsmoker, Age 35

---------- --------------------- ----------------------------------------------- -------------------------------------
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 Year Accumulated at 5% Value Surrender Benefit Value Surrender Benefit Value Surrender Benefit
Interest per Year Value Value Value
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 1,050 480 0 100,480 522 0 100,522 565 0 100,565
2 2,153 1,180 80 101,180 1,302 202 101,302 1,431 331 101,431
3 3,310 1,855 455 101,855 2,102 702 102,102 2,371 971 102,371
4 4,526 2,504 804 102,504 2,921 1,221 102,921 3,391 1,691 103,391
5 5,802 3,128 1,128 103,128 3,760 1,760 103,760 4,500 2,500 104,500
6 7,142 3,724 1,762 103,724 4,616 2,654 104,616 5,701 3,739 105,701
7 8,549 4,290 2,378 104,290 5,488 3,576 105,488 7,005 5,093 107,005
8 10,027 4,828 2,966 104,828 6,377 4,515 106,377 8,420 6,558 108,420
9 11,578 5,335 3,523 105,335 7,281 5,469 107,281 9,955 8,143 109,955
10 13,207 5,810 4,300 105,810 8,198 6,688 108,198 11,620 10,110 111,620
15 22,657 7,948 7,948 107,948 13,364 13,364 113,364 22,978 22,978 122,978
20 34,719 9,177 9,177 109,177 18,946 18,946 118,946 40,719 40,719 140,719
25 50,113 8,960 8,960 108,960 24,360 24,360 124,360 68,209 68,209 168,209
30 69,761 6,401 6,401 106,401 28,424 28,424 128,424 110,478 110,478 210,478

</TABLE>

<TABLE>
<CAPTION>
$1,000 ANNUAL PREMIUM
$100,000 SPECIFIED AMOUNT
COVERAGE OPTION B
USING GUARANTEED COST OF INSURANCE RATES
NO BONUS PAID
Male, Standard Nonsmoker, Age 35

---------- --------------------- ----------------------------------------------- -------------------------------------
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 Year Accumulated at 5% Value Surrender Benefit Value Surrender Benefit Value Surrender Benefit
Interest per Year Value Value Value
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 1,050 480 0 100,480 522 0 100,522 565 0 100,565
2 2,153 1,180 80 101,180 1,302 202 101,302 1,431 331 101,431
3 3,310 1,855 455 101,855 2,102 702 102,102 2,371 971 102,371
4 4,526 2,504 804 102,504 2,921 1,221 102,921 3,391 1,691 103,391
5 5,802 3,128 1,128 103,128 3,760 1,760 103,760 4,500 2,500 104,500
6 7,142 3,724 1,762 103,724 4,616 2,654 104,616 5,701 3,739 105,701
7 8,549 4,290 2,378 104,290 5,488 3,576 105,488 7,005 5,093 107,005
8 10,027 4,828 2,966 104,828 6,377 4,515 106,377 8,420 6,558 108,420
9 11,578 5,335 3,523 105,335 7,281 5,469 107,281 9,955 8,143 109,955
10 13,207 5,810 4,300 105,810 8,198 6,688 108,198 11,620 10,110 111,620
15 22,657 7,637 7,637 107,637 12,915 12,915 112,915 22,296 22,296 122,296
20 34,719 8,271 8,271 108,271 17,500 17,500 117,500 38,174 38,174 138,174
25 50,113 7,022 7,022 107,022 21,006 21,006 121,006 61,387 61,387 161,387
30 69,761 2,817 2,817 102,817 21,772 21,772 121,772 94,816 94,816 194,816

</TABLE>

$1,000 ANNUAL PREMIUM
$100,000 SPECIFIED AMOUNT
COVERAGE OPTION A
USING CURRENT COST OF INSURANCE RATES
BONUS PAID BEGINNING IN YEAR 11
Female, Standard Nonsmoker, Age 35

---------- --------------------- ----------------------------------------------- -------------------------------------
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 Year Accumulated at 5% Value Surrender Benefit Value Surrender Benefit Value Surrender Benefit
Interest per Year Value Value Value
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 1,050 503 0 100,000 546 0 100,000 590 0 100,000
2 2,153 1,225 336 100,000 1,351 462 100,000 1,482 593 100,000
3 3,310 1,923 523 100,000 2,178 778 100,000 2,454 1,054 100,000
4 4,526 2,597 897 100,000 3,027 1,327 100,000 3,511 1,811 100,000
5 5,802 3,247 1,451 100,000 3,900 2,104 100,000 4,663 2,867 100,000
6 7,142 3,870 2,124 100,000 4,793 3,047 100,000 5,917 4,171 100,000
7 8,549 4,465 2,769 100,000 5,708 4,012 100,000 7,282 5,586 100,000
8 10,027 5,034 3,388 100,000 6,645 4,999 100,000 8,770 7,124 100,000
9 11,578 5,578 3,982 100,000 7,607 6,011 100,000 10,395 8,799 100,000
10 13,207 6,096 4,766 100,000 8,593 7,263 100,000 12,171 10,841 100,000
15 22,657 8,670 8,670 100,000 14,447 14,447 100,000 24,684 24,684 100,000
20 34,719 10,754 10,754 100,000 21,508 21,508 100,000 45,311 45,311 100,000
25 50,113 12,212 12,212 100,000 30,006 30,006 100,000 79,702 79,702 103,612
30 69,761 12,646 12,646 100,000 40,095 40,095 100,000 136,480 136,480 163,776

</TABLE>

$1,000 ANNUAL PREMIUM
$100,000 SPECIFIED AMOUNT
COVERAGE OPTION A
USING GUARANTEED COST OF INSURANCE RATES
NO BONUS PAID
Female, Standard Nonsmoker, Age 35
---------- --------------------- ----------------------------------------------- -------------------------------------
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 Year Accumulated at 5% Value Surrender Benefit Value Surrender Benefit Value Surrender Benefit
Interest per Year Value Value Value
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 1,050 503 0 100,000 546 0 100,000 590 0 100,000
2 2,153 1,225 336 100,000 1,351 462 100,000 1,482 593 100,000
3 3,310 1,923 523 100,000 2,178 778 100,000 2,454 1,054 100,000
4 4,526 2,597 897 100,000 3,027 1,327 100,000 3,511 1,811 100,000
5 5,802 3,247 1,451 100,000 3,900 2,104 100,000 4,663 2,867 100,000
6 7,142 3,870 2,124 100,000 4,793 3,047 100,000 5,917 4,171 100,000
7 8,549 4,465 2,769 100,000 5,708 4,012 100,000 7,282 5,586 100,000
8 10,027 5,034 3,388 100,000 6,645 4,999 100,000 8,770 7,124 100,000
9 11,578 5,578 3,982 100,000 7,607 6,011 100,000 10,395 8,799 100,000
10 13,207 6,096 4,766 100,000 8,593 7,263 100,000 12,171 10,841 100,000
15 22,657 8,275 8,275 100,000 13,907 13,907 100,000 23,908 23,908 100,000
20 34,719 9,625 9,625 100,000 19,815 19,815 100,000 42,531 42,531 100,000
25 50,113 9,938 9,938 100,000 26,286 26,286 100,000 72,735 72,735 100,000
30 69,761 8,744 8,744 100,000 33,177 33,177 100,000 121,825 121,825 146,189

</TABLE>

$1,000 ANNUAL PREMIUM
$100,000 SPECIFIED AMOUNT
COVERAGE OPTION B
USING CURRENT COST OF INSURANCE RATES
BONUS PAID BEGINNING IN YEAR 11
Female, Standard Nonsmoker, Age 35

---------- --------------------- ----------------------------------------------- -------------------------------------
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 Year Accumulated at 5% Value Surrender Benefit Value Surrender Benefit Value Surrender Benefit
Interest per Year Value Value Value
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 1,050 502 0 100,502 545 0 100,545 588 0 100,588
2 2,153 1,222 134 101,222 1,347 259 101,347 1,478 390 101,478
3 3,310 1,916 516 101,916 2,170 770 102,170 2,445 1,045 102,445
4 4,526 2,586 886 102,586 3,014 1,314 103,014 3,495 1,795 103,495
5 5,802 3,229 1,433 103,229 3,877 2,081 103,877 4,636 2,840 104,636
6 7,142 3,843 2,097 103,843 4,759 3,013 104,759 5,874 4,128 105,874
7 8,549 4,428 2,732 104,428 5,659 3,963 105,659 7,217 5,521 107,217
8 10,027 4,985 3,339 104,985 6,577 4,931 106,577 8,676 7,030 108,676
9 11,578 5,514 3,918 105,514 7,515 5,919 107,515 10,262 8,666 110,262
10 13,207 6,015 4,685 106,015 8,472 7,142 108,472 11,990 10,660 111,990
15 22,657 8,478 8,478 108,478 14,094 14,094 114,094 24,030 24,030 124,030
20 34,719 10,383 10,383 110,383 20,672 20,672 120,672 43,386 43,386 143,386
25 50,113 11,572 11,572 111,572 28,222 28,222 128,222 74,559 74,559 174,559
30 69,761 11,588 11,588 111,588 36,417 36,417 136,417 124,591 124,591 224,591

$1,000 ANNUAL PREMIUM
$100,000 SPECIFIED AMOUNT
COVERAGE OPTION B
USING GUARANTEED COST OF INSURANCE RATES
NO BONUS PAID
Female, Standard Nonsmoker, Age 35

---------- --------------------- ----------------------------------------------- -------------------------------------
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 Year Accumulated at 5% Value Surrender Benefit Value Surrender Benefit Value Surrender Benefit
Interest per Year Value Value Value
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
------------ ------------------- --------- --------- ---------- -------- --------- -------- ------- --------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1 1,050 502 0 100,502 545 0 100,545 588 0 100,588
2 2,153 1,222 134 101,222 1,347 259 101,347 1,478 390 101,478
3 3,310 1,916 516 101,916 2,170 770 102,170 2,445 1,045 102,445
4 4,526 2,586 886 102,586 3,014 1,314 103,014 3,495 1,795 103,495
5 5,802 3,229 1,433 103,229 3,877 2,081 103,877 4,636 2,840 104,636
6 7,142 3,843 2,097 103,843 4,759 3,013 104,759 5,874 4,128 105,874
7 8,549 4,428 2,732 104,428 5,659 3,963 105,659 7,217 5,521 107,217
8 10,027 4,985 3,339 104,985 6,577 4,931 106,577 8,676 7,030 108,676
9 11,578 5,514 3,918 105,514 7,515 5,919 107,515 10,262 8,666 110,262
10 13,207 6,015 4,685 106,015 8,472 7,142 108,472 11,990 10,660 111,990
15 22,657 8,069 8,069 108,069 13,530 13,530 113,530 23,212 23,212 123,212
20 34,719 9,205 9,205 109,205 18,868 18,868 118,868 40,354 40,354 140,354
25 50,113 9,196 9,196 109,196 24,184 24,184 124,184 66,620 66,620 166,620
30 69,761 7,561 7,561 107,561 28,827 28,827 128,827 106,893 106,893 206,893

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 the post-effective amendment are, in
the aggregrate, 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 93 pages, including any supplements filed
therewith 8. Undertaking to file reports.
Rule 484 undertaking.
Representations relating to fees and charges.
The signatures.
Written consents of the following persons:
(a) C. John Malacarne, Esq.
(b) Mark A. Milton, Vice President and 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.1 (2) Not applicable. (3) Distributing
Contracts: (a) Distribution Agreement between Kansas City Life
Insurance Company and Sunset Financial Services, Inc.2 (b) Not
applicable. (c) Schedule of Sales Commissions.2 (4) Not
applicable. (5) (a) Specimen Contract Form.1 (b) Disability
Continuance of Insurance Rider.2 (c) Accidental Death Rider.2 (d)
Option to Increase Specified Amount Rider.2 (e) Spouse's Term
Insurance Rider.2 (f) Children's Term Insurance Rider.2 (g) Other
Insured Term Insurance Rider.2 (h) Extra Protection Rider.2 (i)
Disability Premium Benefit Rider.2 (j) Temporary Life Insurance
Agreement.2 (k) Limited Aviation Rider.2 (l) Unisex Contract
Amendment.2 (m) Extended Maturity Rider.5 (n) Accelerated Death
Benefit/Living Benefits Rider.6 (6) (a) Articles of Incorporation
of Bankers Life Association of Kansas City.1 (b) Restated
Articles of Incorporation of Kansas City Life Insurance Company.1
(c) By-Laws of Kansas City Life Insurance Company.1 (7) Not
applicable. (8) (a) Agreement between Kansas City Life Insurance
Company, MFS Variable Insurance Trust, and Massachusetts
Financial Services Company.1 (b) Agreement between Kansas City
Life Insurance Company, TCI Portfolios, Inc. and Investors
Research Corporation.1 (c) Agreement between Kansas City Life
Insurance Company, Insurance Management Series, and Federated
Securities Corp.1

(d) Agreement between Kansas City Life Insurance Company and
each of Dreyfus Variable Investment Fund, The Dreyfus
Socially Responsible Growth Fund, Inc., and The Dreyfus Life
and Annuity Index Fund, Inc.4

(e) Agreement between Kansas City Life Insurance Company and
J.P. Morgan Series Trust II.7

(f) Agreement between Kansas City Life Insurance Company and
each of Calamos Insurance Trust, Calamos Asset Management,
Inc. and Calamos Financial Services, Inc.7

(g) Form of Participation Agreement between Kansas City
Life Insurance Company and each of Franklin Templeton
Variable Insurance Products Trust and Franklin Templeton
Distributors, Inc.9

(h) Amendment to Participation 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.
(d/b/a Dreyfus Stock Index Fund).7

(i) Revised Exhibit B to Fund Participation Agreement between
Kansas City Life Insurance Company, Insurance Management
Series, and Federated Securities Corp.9

(j) Form of Participation Agreement by and among AIM
Variable Insurance Funds, Inc., AIM Distributors, Inc.,
and Kansas City Life Insurance Company.9

(k) Form of Fund Participation Agreement between Kansas City
Life Insurance Company and Seligman Portfolios, Inc.,
Segliman Advisors, Inc.9

(9) Not Applicable.
(10) Application Form.1
(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 Actuary,
as to actuarial matters pertaining to the securities being
registered.
7. (a) Consent of Ernst & Young LLP.
(b) Consent of Sutherland, Asbill & Brennan.
(c) Consent of C. John Malacarne. See Exhibit 2.

----------------------

1 Incorporated herein by reference to the Form S-6 Registration Statement
(File No. 33-95354) for Kansas City Life Variable Life Separate Account
filed on August 2, 1995.

2 Incorporated herein by reference to Pre-Effective Amendment No. 1 to the
Form N-4 Registration Statement (File No. 33-89984) for Kansas City Life
Variable Annuity Separate Account filed on August 25, 1995.

3 Incorporated herein by reference to Pre-Effective Amendment No. 1. to the
Form S-6 Registration Statement (File No. 33-95354) for Kansas City
Life Variable Life Separate Account filed on December 19, 1995.

4 Incorporated herein by reference to the Form S-6 Registration Statement
(File No. 33-95354) filing for Kansas City Life Variable Life Separate
Account filed on April 18, 1997.

5 Incorporate herein by reference to Post-Effective Amendment No. 3 of the
S-6 Registration Statement (File No. 33-95354) filing for Kansas City Life
Variable Life Separate Account filed on April 30, 1998.

6 Incorporated herein by reference to the Form S-6 Registation Statement
(File No. 33-95354) filing for Kansas City Life Variable Life Separate
Account filed on January 29, 1999.

7 Incorporated herein by reference to the Form S-6 Registation Statement
(File No. 33-95354) filing for Kansas City Life Variable Life Separate
Account filed on April 19, 1999.

8 Incorporate herein by reference to Post-Effective Amendment No. 6 of the
S-6 Registration Statement (File No. 33-95354) filing for Kansas City Life
Variable Life Separate Account filed on May 1, 2000.

9 Incorporated herein by reference to Post-Effective Amendment No. 7 to the
Form N-4 Registration Statement (File No. 33-89984) for Kansas City Life
Variable Annuity Separate Account filed on August 28, 2000.

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 and the Investment
Company Act of 1940, the Registrant, Kansas City Life Variable Life Separate
Account, certifies that it meets all of the requirements of Securities Act Rule
485(b) for effectiveness of this Post-Effective Amendment No. 7 to its
Registration Statement and has duly caused this Post-Effective Amendment No. 7
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 16th day of August, 2000

[SEAL] Kansas City Life
Variable Life Separate Account

-----------------------------
Registrant

Kansas City Life Insurance Company

-----------------------------
Depositor

Attest /s/ C. John Malacarne By: /s/ R. Philip Bixby
C. John Malacarne R. Philip Bixby, President,CEO and
Vice Chairman of the Board

Pursuant to the requirements of the Securities Act of 1933, Post-Effective
Amendment No. 7 to the Registraton Statement has been signed below by the
following persons in the capacities indicated on the date(s) set forth below.

Signature Title Date

/s/ R. Philip Bixby President, CEO, Vice Chairman August 16, 2000
R. Philip Bixby of the Board and Director

/s/ Richard L. Finn Senior Vice President, Finance August 16, 2000
Richard L. Finn and Director
(Principal Financial Officer)

/s/ John K. Koetting Vice President and Controller August 16, 2000
John K. Koetting (Principal Accounting Officer)

/s/ J. R. Bixby Chairman of the Board and August 16, 2000
J.R. Bixby Director

/s/ Walter E. Bixby III Director August 16, 2000
W. E. Bixby III

Daryl D. Jensen Director August 16, 2000

/s/ C. John Malacarne Director August 16, 2000
C. John Malacarne

/s/ Jack D. Hayes Director August 16, 2000
Jack D. Hayes

Webb R. Gilmore Director August 16, 2000

/s/Warren J. Hunzicker, M.D. Director August 16, 2000
Warren J. Hunzicker, M.D.

Michael J. Ross Director August 16, 2000

Elizabeth T. Solberg Director August 16, 2000

E. Larry Winn, Jr. Director August 16, 2000

Nancy Bixby Hudson Director August 16, 2000

Exhibit Index List

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

<PAGE>

AUGUST 2000

DESCRIPTION OF ISSUANCE,

TRANSFER AND REDEMPTION PROCEDURES FOR CONTRACTS

PURSUANT TO RULE 6e-3(T)(b)(12)(iii)

FOR FLEXIBLE PREMIUM 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 life
insurance contracts (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
Specified Amount. 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 Insured's mortality risk as
actuarially determined utilizing factors such as age, sex, level of specified
amount, health and occupation. 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 band for cost of insurance rates. 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
limitation age, sex, and medical and other background information, 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 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.

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 Guaranteed Monthly Premiums (one
Guaranteed Monthly Premium is required for Contracts when premium payments will
be made under a pre-authorized payment or combined billing arrangement). The
minimum initial premium payment required depends on a number of factors, such as
the age, sex and risk class of the proposed Insured, the Initial Specified
Amount, any supplemental and/or rider benefits and the Planned Premium Payment
payments the Owner proposes to make. (See "Planned Premium Payments," below.)

In general, when applications are submitted with the required premium payment
(and the premium payment is submitted in "good order") the Contract Date will be
the same as that of the TIA. For Contracts where the required 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 seven days. There are several exceptions to these rules, described
below.

Contract Date Calculated to Be 29th, 30th or 31st of Month
No Contracts will be given a Contract Date of the 29th, 30th or 31st of the
month. When values are applied to the new Contract from another contract and the
Contract Date would be calculated to be one of these dates, the Contract Date
will be the 28th of the month. In all other situations in which the Contract
Date would be calculated to be the 29th, 30th or 31st of the month, the Contract
Date will be set to the 1st of the next month.

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 date of approval. Combined Billing is
a billing where multiple Kansas City Life contracts are billed together.

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 date of approval. If GA or FA is
requested and no initial premium is received the Contract Date will be the date
we receive a full monthly allotment.

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

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.

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 (and receive a lower cost of insurance rate). In no
case may the Contract Date be more than six months prior to the 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 on 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 Insured's insurability, which may include a medical examination of
the proposed Insured. The available issue ages are 0 through 80 on a standard
nonsmoker basis, 15 through 80 on a preferred nonsmoker basis, and 15 through 80
on a smoker basis. Age is determined on the Contract Date based on the Insured's
age last birthday. The minimum Specified Amount is $100,000 for issue ages 0
through 49. The minimum Specified Amount is $50,000 for issue ages 50 through
80. 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 Insured is 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 the Insured 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 Insured's death 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 and to require satisfactory evidence
of insurability prior to accepting unscheduled premiums. 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 to 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 modify the
Contract so it continues to qualify as a contract for life insurance. Modifying
the Contract may require evidence of insurability. (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 Premium Payments. 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 Premium Payments 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 than planned or skip a Planned Premium Payment 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 Premium Payments by sending Written Notice to
the Home Office. Kansas City Life, however, reserves the right to limit the
amount of a premium payment or the total premium payments paid, as discussed
above.

4. Guaranteed Payment Period and Guaranteed Monthly Premium. A Guaranteed
Payment Period is the period during which Kansas City Life guarantees that the
Contract will not lapse if the amount of total premiums paid is greater than or
equal to the sum of: (1) the accumulated Guaranteed Monthly Premiums in effect
on each prior Monthly Anniversary Day, and (2) an amount equal to the sum of any
partial surrenders taken and Indebtedness under the Contract. The Guaranteed
Payment Periods are five years following the Contract Date and five years
following the effective date of an increase in the Specified Amount.

The Guaranteed Monthly Premium is shown in the Contract. The per $1,000
Guaranteed Monthly Premium factors for the Specified Amount vary by risk class,
issue age, and sex. Additional premiums for substandard ratings and supplemental
and/or rider benefits are included in the Guaranteed Monthly Premium. However,
upon a change to the Contract, Kansas City Life will recalculate the Guaranteed
Monthly Premium and will notify the Owner of the new Guaranteed Monthly Premium
and amend the Owner's Contract to reflect the change.

5. Premium Payments Upon Increase in Specified Amount. A new Guaranteed Payment
Period begins on the effective date of an increase in Specified Amount. The
Owner will be notified of the new Guaranteed Monthly Premium for this period.
Depending on the Contract Value at the time of an increase in the Specified
Amount and the amount of the increase requested, an additional premium payment
may be necessary or a change in the amount of Planned Premium Payments may be
advisable.

6. Premium Payments to Prevent Lapse. Failure to pay Planned Premium Payments
will not necessarily cause a Contract to lapse. Conversely, paying all Planned
Premium Payments will not guarantee that a Contract will not lapse. The
conditions that will result in the Owner's Contract lapsing will vary, as
follows, depending on whether a Guaranteed Payment Period is in effect.

a. During the Guaranteed Payment Period. A grace period starts if on any Monthly
Anniversary Day the Cash Surrender Value is less than the amount of the Monthly
Deduction and the accumulated premiums paid as of the Monthly Anniversary Day
are less than required to guarantee the Contract will not lapse during the
Guaranteed Payment Period. The premium required to keep the Contract in force
will be an amount equal to the lesser of: (1) the amount to guarantee the
Contract will not lapse during the Guaranteed Payment Period less the
accumulated premiums paid; and (2) an amount sufficient to provide a cash
surrender value equal to three Monthly Deductions.

b. After the Guaranteed Payment Period. A grace period starts if the Cash
Surrender Value on a Monthly Anniversary Day will not cover the Monthly
Deduction. A premium sufficient to provide a cash surrender value equal to three
Monthly Deductions must be paid during the grace period to keep the Contract in
force.

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 address of any assignee of record. The grace period will begin when the
notice is sent. The Owner's Contract will remain in force during the grace
period. If the 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
Insured's death (and for any Indebtedness). If the grace period premium payment
has not been paid before the grace period ends, the Owner's 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 30
Subaccounts, the assets of which 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,
Federated Global Investment Management Corp., Dreyfus Variable Investment Fund,
Dreyfus Stock Index Fund, The Dreyfus Socially Responsible Growth Fund, Inc.,
J.P. Morgan Series Trust II, Franklin Templeton Variable Insurance Products
Trust, Calamos Advisors Trust, AIM Variable Insurance Fund and Seligman
Portfolios, Inc. 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,
Federated Global Investment Management Corp., Dreyfus Variable Investment Fund,
Dreyfus Stock Index Fund, The Dreyfus Socially Responsible Growth Fund, Inc,
J.P. Morgan Series Trust II, Templeton Variable Insurance Products Trust,
Calamos Advisors Trust, AIM Variable Insurance Fund and Seligman Portfolios,
Inc. or any other investment 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
limit the number of Subaccounts to which premiums may be allocated. The number
will never be limited to less than 12, The Owner can change the allocation
percentages at any time, subject to these rules, by sending Written Notice to
the Home Office. The change will apply to premium payments received with or
after receipt of that Written Notice.

b. Allocation of Initial 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. The "free-look" period under the
Contract is assumed to end on the Reallocation Date, and on that 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 date that it receives Written
Notice requesting such transfer.

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 purpose of assessing the
fee, each Written Request (or telephone request described below) 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.

An excessive number of transfers, including short-term "market timing"
transfers, may adversely affect the performance of the underlying Fund in which
a Subaccount invests. If, in our sole opinion, a pattern of excessive transfers
develops, we reserve the right not to process a transfer request. We also
reserve the right not to process a transfer request when the sale or purchase of
shares of a Fund is not reasonably practicable due to actions taken or
limitations imposed by the Fund.

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. Telephone Authorizations

1. Election of the Program. Transfers, changes in premium allocation, changes in
dollar cost averaging, changes in portfolio rebalancing 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 been
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 genuine, 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 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.

C. 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
returning 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. Changes
may be made in dollar cost averaging by telephone if proper authorization has
been provided. 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, when the value of the Federated Prime Money Fund II
Subaccount is completely depleted, 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 rocessing Fee.

D. 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. 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.
Changes may be made in the Portfolio Rebalancing Plan if proper authorization
has been provided. 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. If
the Contract Value is negative at the time portfolio rebalancing is scheduled,
the re-distribution will not be completed.

Portfolio rebalancing will terminate when the Owner requests any transfer unless
the Owner authorizes a change in allocation at that time or the day Kansas City
Life receives written notice instructing Kansas City Life to cancel the plan.

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, 45 days after
the application for the Contract is signed, or 10 days after Kansas City Life
mails or delivers a Notice of Withdrawal Right (described below), whichever is
latest. 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 from the beginning. Within seven calendar days after Kansas
City Life receives the returned Contract, Kansas City Life will refund premiums
paid. In some states we may be required to refund the greater of Contract Value
and premiums paid.

In addition, the Owner may cancel an increase in Specified Amount that the Owner
has requested within 10 days after the Owner receives the adjusted Contract,
within 45 days after the date the application for the increased coverage is
signed, or within 10 days after Kansas City Life mails the Notice of Withdrawal
Right for the Specified Amount increase, whichever is latest. The Specified
Amount increase will be canceled from its beginning and any charges attributable
to the increase will be returned to Contract Value.

B. Notice of Withdrawal Right Required by Rule 6e-3(T)(b)(13)(viii) Upon
issuance of a Contract, Kansas City Life will send by first class mail or
personal delivery to the Contract Owner a written document containing (i) a
notice of the right to return the Contract to Kansas City Life or to one of its
authorized agents before the latest of: (a) 10 days after the Owner receives the
Contract; (b) 45 days after the application for the Contract is signed; and (c)
10 days after Kansas City Life mails or delivers such notice of the right to
return the Contract to the Owner; (ii) a statement of Contract fees and other
charges and an illustration of guideline annual premiums, death benefits, and
cash surrender values applicable to the age, sex, and risk class of the Insured;
and (iii) a form of request for refund of gross premiums paid on the Contract
setting forth (a) instructions as to the manner in which a refund may be
obtained, including the address to which the request form should be mailed; and
(b) spaces necessary to indicate the date of such request, the Contract number,
and the signature of the Contract Owner.

C. 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 Charge may apply. 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.

D. 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
surrender 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 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.

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
provides 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 is in
effect, Kansas City Life will reduce the Specified Amount by an amount equal to
the partial surrender amount, less the excess, if any, of the Death Benefit over
the Specified Amount at the time the partial surrender is made. If the partial
surrender amount is less than the excess of the Death Benefit over the Specified
Amount, the Specified Amount will not be reduced. Kansas City Life reserves the
right to reject a partial surrender request if the partial surrender would
reduce the Specified Amount below the minimum amount for which the Contract
would be issued under Kansas City Life's then-current rules, or if the partial
surrender would cause the Contract to fail to qualify as a life insurance
contract under applicable tax laws, 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.

E. Surrender Charge

During the first fifteen Contact Years, a Surrender Charge will be deducted from
the Contract Value if the Contract is completely surrendered or lapses or the
Specified Amount is reduced (including when a partial surrender reduces the
Specified Amount). The Surrender Charge is the sum of two parts, the Deferred
Sales Load and the Deferred Administrative Expense. The total Surrender Charge
will not exceed the maximum Surrender Charge set forth in the Contract. An
additional Surrender Charge and Surrender Charge period will apply to each
portion of the Contract resulting from a Specified Amount increase, starting
with the effective date of the increase.

Any Surrender Charge deducted upon lapse is credited back to the Contract Value
upon reinstatement. The Surrender Charge on the date of reinstatement will be
the same as it was on the date of lapse. For purposes of determining the
Surrender Charge on any date after reinstatement, the period the Contract was
lapsed will not count.

1. Deferred Sales Load. The Deferred Sales Load is 30% of actual premiums paid
up to a maximum premium amount shown in the Contract. The maximum premium amount
shown in the Contract is based on the issue Age, sex, Specified Amount, and
smoking class applicable to the Insured. If the Owner increases the Contract's
Specified Amount, a separate Deferred Sales Load will apply to the Specified
Amount increase, based on the Insured's Age, sex, and smoking class at the time
of the increase.

The Deferred Sales Load in the first nine years of the Surrender Charge period
is 30% of actual premiums paid up to the maximum premium amount shown in the
Contract. After the ninth year of the Surrender Charge Period, the Deferred
Sales Load declines until it reaches 0% in the fifteenth year of the Surrender
Charge period.

2. Deferred Administrative Expense. The Table below shows the Deferred
Administrative Expense deducted if the Owner surrenders, lapses, reduces the
Specified Amount, or takes a partial surrender during the first fifteen Contract
Years or during the fifteen years following an increase in Specified Amount. The
Deferred Administrative Expense is an amount per $1,000 of Specified Amount and
will grade down to zero at the end of fifteen years.

Table of Deferred Administrative Expenses per $1,000 of Specified Amount
End of Year* Deferred Administrative Expense
1-5 5.00
6 4.50
7 4.00
8 3.50
9 3.00
10 2.50
11 2.00
12 1.50
13 1.00
14 0.50
15 0.00

* End of year means number of completed Contract years or number of
completed years following an increase in Specified Amount.

After the fifth year, the Deferred Administrative Expense between years
will be pro-rated monthly. The charge for the first five years will be level.

F. 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.

G. Redemptions for Monthly Deduction

On the Allocation Date, Kansas City Life will deduct Monthly Deductions for the
Contract Date and each Monthly Anniversary that have occurred prior 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) cost of insurance
charges, (2) administration fees, and (3) any charges for supplemental and/or
rider 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.

H. 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 Insured's death
that Kansas City Life deems satisfactory. Kansas City Life 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.

As described below, Kansas City Life will pay Death Benefit proceeds through
Kansas City Life's Personal Growth Account. Kansas City Life places proceeds to
be paid through the Personal Growth Account in their general account. The
Personal Growth Account pays interest and provides check-writing privileges
under which Kansas City Life reimburses the bank that pays the check out of the
proceeds held in their general account. A Contract Owner or beneficiary
(whichever applicable) has immediate and full access to Proceeds by writing a
check on the account. Kansas City Life pays interest on Death Benefit Proceeds
from the date of death to the date the Personal Growth Account is closed.

The Personal Growth Account is not a bank account and is not insured, nor
guaranteed, by the FDIC or any other government agency.

Kansas City Life will pay Death Benefit proceeds through the Personal Growth
Account when: o the proceeds are paid to an individual; and o the amount of
proceeds is $5,000 or more.

Any other use of the Personal Growth Account requires Kansas City Life's
approval.

1. Amount of Death Benefit Proceeds. The Death Benefit proceeds are equal to the
sum of the Death Benefit under the Coverage Option selected calculated on the
date of the Insured's death, plus any supplemental and/or rider benefits, minus
any Indebtedness on that date and, if the date of death occurred during a grace
period, minus any past due Monthly Deductions. Under certain circumstances,
including without limitation when the age or sex of the Insured has been
misstated or when the Insured dies by suicide within two years of the Contract
Date or within two years after the effective date of any increase in the
Specified Amount, the amount of the Death Benefit may be further adjusted. If
part or all of the Death Benefit is 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 Insured's death to the date of payment.

2. Coverage Options. The Contract Owner may choose one of two Coverage Options,
which will be used to determine the Death Benefit. Under Option A, the Death
Benefit is the greater of the Specified Amount or the Applicable Percentage (as
described below) of Contract Value on the date of the Insured's death. Under
Option B, the Death Benefit is the greater of the Specified Amount plus the
Contract Value on the date of death, or the Applicable Percentage of the
Contract Value on the date of the Insured's death.

If investment performance is favorable, the amount of the Death Benefit may
increase. However, under Option A, the Death Benefit ordinarily will not change
for several years to reflect any favorable investment performance and may not
change at all. Under Option B, the Death Benefit will vary directly with the
investment performance of the Contract Value.

The "Applicable Percentage" is 250% when the Insured has attained Age 40 or
less, and decreases each year thereafter to 100% when the Insured has attained
Age 95.

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. We reserve the right to require that the Contract
be in force for one Contract Year before any change in Coverage Option and that
no more than one change in Coverage Option be made in any 12-month period. On or
after the first Contract Anniversary, the Owner may change the Coverage Option
on the Contract subject to the following rules. After the Coverage Option has
been changed, it cannot be changed again for the next twelve Contract Months.
After any change, the Specified Amount must be at least $100,000 for issue Ages
0-49 and $50,000 for issue Ages 50-80. The effective date of the change will be
the Monthly Anniversary Day that coincides with or next follows the day that
Kansas City Life receives and accepts the request. Kansas City Life may require
satisfactory evidence of insurability. (See "Underwriting requirements," above.)

When a change from Option A to Option B is made, the Specified Amount after the
change is effective will be equal to the Specified Amount before the change. The
Death Benefit will increase by the Contract Value on the effective date of the
change. When a change from Option B to Option A is made, the Specified Amount
after the change will be equal to the Specified Amount before the change is
effected plus the Contract Value on the effective date of the change.

5. Ability to Adjust Specified Amount. We reserve the right to require that the
Contract be in force for one Contract Year before a change in Specified Amount
and we reserve the right to only allow one change in Specified Amount every
twelve Contract months. If a change in the Specified Amount would result in
total premiums paid exceeding the premium limitations prescribed under current
tax law to qualify the Contract as a life insurance contract, Kansas City Life
will refund, after the next Monthly Anniversary, to the Owner the amount of such
excess above the premium limitations.

Kansas City Life reserves the right to decline a requested decrease in the
Specified Amount if compliance with the guideline premium limitations under
current tax law resulting from this decrease would result in immediate
termination of the Contract, or if to effect the requested decrease, payments to
the Owner would have to be made from the Contract Value for compliance with the
guideline premium limitations, and the amount of such payments would exceed the
Cash Surrender Value under the Contract.

The Specified Amount after any decrease must be at least $100,000 for Contracts
that were issued at issue Ages 0-49 and $50,000 for Contracts that were issued
at issue Ages 50-80. A decrease in Specified Amount will become effective on the
Monthly Anniversary Day that coincides with or next follows receipt and
acceptance of a request at the Home Office.

Any increase in the Specified Amount must be at least $25,000 and an application
must be submitted. Kansas City Life reserves the right to require satisfactory
evidence of insurability. In addition, the Insured's attained Age must be less
than the current maximum issue Age for the Contracts, as determined by Kansas
City Life from time to time.

The increase in Specified Amount will become effective on the Monthly
Anniversary Day on or next following the date the request for the increase is
received and approved. A new Guaranteed Payment Period will begin on the
effective date of the increase and will continue for five years. The Contract's
Guaranteed Monthly Premium will be recalculated to reflect the increase. If a
Guaranteed Payment Period is in effect, the Contract's Guaranteed Monthly
Premium amount will also generally be increased. An increase in Specified Amount
may be cancelled by the Owner in accordance with the Contract's "free look"
provisions. In such case, the amount refunded will be limited to those charges
that are attributable to the increase.

A new Surrender Charge and Surrender Charge period will apply to each portion of
the Contract resulting from an increase in Specified Amount, starting with the
effective date of the increase. After an increase, Kansas City Life will, for
purposes of calculating Surrender Charges, attribute a portion of each premium
payment the Owner makes to the Specified Amount increase, even if the Owner does
not increase the amount or frequency of the Owner's premiums. Premiums will be
allocated based upon the proportion that the "coverage premium weighting factor"
for the initial Specified Amount and each increase bears to the total "coverage
premium weighting factor" for the Contract.

The "coverage premium weighting factor" is a hypothetical, level amount that
would be payable through the Maturity Date for the benefits provided under the
Contract. Kansas City Life will calculate this amount using the following
assumptions:

o Cost of insurance rates based on the 1980 Commissioners Standard Ordinary
Mortality Tables;

o Net investment earnings under the Contract;

o An effective annual rate of 5%; and

o Sales and other charges imposed under the Contract.

I. 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.
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 interest 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 can
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 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%. 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. Each loan
repayment must 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. 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 and 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.

J. 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. 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.

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.

K. 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. Other 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.

L. Additional No-Fee Transfer Right This additional, one-time transfer feature
allows the Owner to transfer all or a portion of the Variable Account Value to
the Fixed Account and Kansas City Life will make this transfer without applying
the transfer processing fee (even if the Owner has already used the six free
transfers for that Contract Year.) This Additional No-Fee Transfer Right applies
during the first 24 months of the Contract or within the 24 months following the
effective date of an increase to the Specified Amount.

M. Maturity Benefit The Maturity Date is the Contract Anniversary an or next
following the Insured's 95th birthday. If the Contract is still in force on the
Maturity Date, the Maturity Benefit will be paid to you. The Maturity Benefit is
equal to the Cash Surrender Value on the Maturity Date.

APPENDIX A On the Allocation Date, Kansas City Life will deduct Monthly
Deductions for the Contract Date and each Monthly Anniversary Day that have
occurred prior to the Allocation Date. Subsequent Monthly Deductions will be
made as of each Monthly Anniversary Day thereafter. The Contract Date is the
date used to determine the Monthly Anniversary Day. The Monthly Deduction
consists of (1) cost of insurance charges, (2) administration fees (the "Monthly
Expense Charge"), and (3) any charges for supplemental and/or rider 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.

Cost of Insurance Charge. This charge compensates Kansas City Life for the
expense of providing insurance coverage. Kansas City Life may make a profit from
this charge. Any profit may be used to finance distribution expenses. 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 Insured by the net amount
at risk on that Monthly Anniversary Day.

The net amount at risk on a Monthly Anniversary Day is the difference between
the Death Benefit, 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
current interest rate that is being credited on portions of any Net Premiums
that are allocated to the Fixed Account as of that Monthly Anniversary Day.

The cost of insurance rate for a Contract on a Monthly Anniversary Day is based
on the Insured's Age, sex, level of specified amount, number of completed
Contract Years, and risk class, and therefore varies from time to time. Kansas
City Life currently places Insureds in the following classes, based on
underwriting: Standard Smoker, Standard Nonsmoker, or Preferred Nonsmoker. An
Insured may be placed in a substandard risk class, which involves a higher
mortality risk than the Standard Smoker or Standard Nonsmoker classes. Standard
Nonsmoker rates are available for Issue Ages 0-80. Standard Smoker and Preferred
Nonsmoker rates are available for Issue Ages 15-80. Contracts with a specified
amount of $500,000 and above currently are subject to a lower level of cost of
insurance charges.

The cost of insurance rate for an increase in Specified Amount will be
determined on each Monthly Anniversary Day and is based on the Insured's Age,
sex, number of completed Contract Years, and risk class.

Kansas City Life places the Insured 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 Specified Amount is requested, Kansas City Life
conducts underwriting before approving the increase (except as noted below) 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 Specified 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 Specified Amount, and the existing risk
class will continue to apply to the existing Specified Amount.

Kansas City Life does not conduct underwriting for an increase in Specified
Amount if the increase is requested as part of a conversion from a term contract
or on exercise of the Option to Increase the Specified Amount Rider. In the case
of a term conversion, the risk class that applies to the increase will be based
on the provisions of the term contract. In the case of an increase under the
Option to Increase Specified Amount Rider, the Insured's risk class for an
increase will be the class in effect on the initial Specified Amount at the time
that the increase is elected.

The net amount at risk associated with a Specified Amount increase is determined
by the percentage that the Specified Amount increase bears to the Contract's
total Specified Amount immediately following the increase. The resulting
percentage is the part of the Contract's total net amount at risk that is
attributed to the Specified Amount increase. The remaining percentage of the
Contract's total net amount at risk is attributed to the existing Specified
Amount. (For example, if the Contract's Specified Amount is increased by
$100,000 and the total Specified Amount is $250,000, then 40% of the total net
amount at risk is attributed to the Specified Amount increase.) On each Monthly
Anniversary Day, the net amount at risk used to determine the cost of insurance
charge associated with the Specified Amount increase is the Contract's total net
amount of risk at that time, multiplied by the percentage calculated as
described above. This percentage remains fixed until the Specified Amount is
changed.

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 contracts. The guaranteed rates for standard
and preferred 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.

Monthly Expense Charge. Kansas City Life will begin deducting the Monthly
Expense Charge from the Contract Value as of the Contract Date. Thereafter,
Kansas City Life will deduct a Monthly Expense Charge from the Contract Value as
of each Monthly Anniversary Day. The Monthly Expense Charge is made up of two
parts:

(1) a maintenance charge which is a level monthly charge which applies in all
years. The maintenance charge is guaranteed not to exceed $6.00.

(2) An acquisition charge which is a charge of $20 per Contract Month for the
first Contract Year and $20 per Contract Month for 12 months following the
effective date of an increase in Specified Amount.

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.

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 it 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 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 interest of any Contract holder.

Supplemental and/or Rider Benefits
The following supplemental and/or rider benefits are available and may be added
to the Owner's Contract. Monthly charges for these benefits and/or riders will
be deducted from the Owner's Contract Value as part of the Monthly Deduction.
All of these riders may not be available in all states.

Disability Continuance of Insurance (DCOI)
Issue Ages: 15-55, renewal through age 59 This rider covers the
Contract's Monthly Deductions during the period of total disability of
the Insured. DCOI benefits become payable after the Insured's total
disability exists for six consecutive months and total disability
occurs before age 60. Benefits under this rider continue until the
Insured is no longer totally disabled.

Accidental Death Benefit (ADB)
Issue Ages: 0-60
This rider provides for the payment of an additional amount of
insurance in the event of accidental death. The rider terminates when
the Insured attains age 70.

Option to Increase Specified Amount (Assured Insurability - AI)
Issue Ages: 0-38
This rider allows the Specified Amount of the Contract to increase
bythe option amount or less, without evidence of insurability on the
Insured. These increases may occur on regular option dates or
alternate option dates. See the rider contract for the specific dates.

Spouse's Term insurance (STI)
Issue Ages: 15-50 (Spouse's age)
This rider provides decreasing term insurance on the Insured's spouse.
The amount of insurance coverage is expressed in units and a maximum
number of five units may be purchased. The amount of insurance per
unit of coverage is based on the Insured Spouse's attained age. A
table specifying the amount of insurance per unit of coverage is in
the rider contract.

Children's Term Insurance (CTI)
Issue Ages: 14 Days - 17 Years (Children's ages)
This rider provides level term insurance on each Insured Child. This
term insurance continues until the Contract anniversary on which the
Insured Child's attained age is 25. The rider expires on the Contract
Anniversary on which the Insured is age 65.

Other Insured Term Insurance (OI)
Issue Ages: 0-65 (Other Insured's age)
This rider provides level yearly renewable term coverage on the
Insured, the Insured's spouse, and/or children. The coverage expires
at the earlier of the Contract Anniversary on which the Insured or the
Other Insured is age 95 unless an earlier date is requested. The term
insurance provided by this rider can be converted to a permanent
contract at any time the rider is in force without evidence of
insurability.

Extra Protection (EXP)
Issue Ages: 0-80
This rider provides level yearly renewable term coverage on the
Insured. The coverage expires at the Contract Anniversary on which the
Insured is age 95 unless an earlier date is requested.

Disability Premium Benefit Rider (DPB)
Issue Ages: 15-55, renewal through 59
This rider provides for the payment of the disability premium benefit
amount as premium to the Contract during a period of total disability
of the Insured. The DPB benefit amount is a monthly amount that is
requested by the Owner. DPB benefits become payable after the
Insured's total disability exists for six consecutive months and total
disability occurs before age 60. Benefits under this rider continue
until the Insured is no longer totally disabled.

Accelerated Death Benefit/Living Benefits Rider (LBR)
Issue Ages: No age limitations

This rider provides you the opportunity to receive an accelerated
payment of all or part of of the Contract's Death Benefit (adjusted to
reflect current value) when the Insured is either terminally ill or
receives care in an eligible nursing home. The rider provides for two
accelerated payment options:
o Terminal Illness Option: This option is available if the Insured
is diagnosed as terminally ill with a life expectancy of 12
months or less. When satisfactory evidence is provided, we will
provide an accelerated payment of the portion of the death
benefit you select as an Accelerated Death Benefit. You may elect
to receive the benefit in a single sum or receive equal, monthly
payments for 12 months.
o Nursing Home Option: This option is available after the Insured
has been confined to an eligible nursing home for six months or
more. When satisfactory evidence is provided, including
certification by a licensed physician, that the Insured is
expected to remain in the nursing home until death, we will
provide an accelerated payment of the portion of the Death
Benefit you select as an Accelerated Death Benefit. You may elect
to receive the benefit in a single sum or receive equal, monthly
payments for a specified number of years (not less than two)
depending upon the age of the Insured.

Under both options the Death Benefit and associated values will be
reduced at the time the benefit is initially calculated.

We can furnish you details about the amount of accelerated death
benefit available to you if you are eligible and the adjusted premium
payments that would be in effect if less than the entire death benefit
is accelerated.

When you request an acceleration of a portion of the Death Benefit
under this rider you may direct how we deduct the amount from your
Contract Value in the Subaccounts and Fixed Account. If you provide no
directions, we will deduct the payment amount from your Contract
/Values in the Subaccounts and Fixed Account on a pro rata basis. (See
"Minimum Guaranteed and Current Interest Rates," page 23.)

You are not eligible for this benefit if you are required by law or a
government agency to:
(1) exercise this option to satisfy the claims of creditors, or
(2) exercise this option in order to apply for, obtain, or retain a
government benefit or entitlement.

You should know that electing to use the Accelerated Death Benefit
could have adverse tax consequences. You should consult a tax advisor
before electing to receive this benefit.

There is no charge for this rider.

Bonus on Contract Value in the Variable Account A bonus may be credited to the
Contract on each Monthly Anniversary Day beginning in the eleventh Contract
Year. The monthly bonus equals 0.0375% (0.45% on an annualized basis) of the
Contract Value in each Subaccount of the Variable Account at the end of each
Contract Month. This bonus is not guaranteed, and Kansas City Life may decide
not to pay the bonus.