SECURITIES AND EXCHANGE COMMISSION
                                                        Washington, D.C. 20549

# FORM 10-K

| | [X]   | ANNUAL REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT
         OF 1934 [FEE REQUIRED]
         For the Fiscal Year ended December 31, 2002                    
| | ----- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | [   ] | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
         ACT OF 1934 [NO FEE REQUIRED]
         For the transition period from __________ to ___________

Commission File Number 2-40764

KANSAS CITY
LIFE INSURANCE COMPANY(Exact Name of Registrant as Specified in its Charter)

|Missouri                                 | 44-0308260            
|---------------------------------------- | ----------------------
|(State or Other Jurisdiction of          | (I.R.S. Employer      
|Incorporation or Organization)           | Identification Number)
|                                         |                       
|3520 Broadway, Kansas City, Missouri     | 64111-2565            
|(Address of Principal Executive Offices) | (Zip Code)            

Registrant's Telephone Number, including Area Code: 816-753-7000

SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:

|                    | Name of Each Exchange on
|------------------- | ------------------------
|Title of Each Class | Which Registered        
|None                | None                    

SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE ACT:

                                                                 None
                                                           (Title of Class)

Indicate by check mark if disclosure of delinquent  filers  pursuant to Item 405 of Regulation  S-K is not contained  herein,  and
will not be contained,  to the best of Registrant's  knowledge, in definitive proxy or information statements incorporated by reference
in Part III of this Form 10-K or any amendment to this Form 10-K. [X]

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section
13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12
months (or for such shorter period that the Registrant was required to file such
reports), and (2) has been subject to such filing requirements for the past 90
days.

|Yes X | No
|----- | --

As of December 31, 2002,
11,996,183 shares of the Companys capital stock par value $1.25 were
outstanding, and the aggregate market value of the common stock (based upon the
average bid and asked price according to Company records) of Kansas City Life
Insurance Company held by non-affiliates was approximately $137,919,811.

# PART I

## Item 1.  BUSINESS

Kansas City Life Insurance
Company (KCL or the Company) was incorporated under the assessment laws of Missouri in 1895 as
the Bankers Life Association. In 1900, its present corporate title was adopted
and it was reorganized as a legal reserve company in 1903.

The Company primarily
operates in four business segments: Kansas City Life Insurance Company, divided
between its individual and group businesses, and its two insurance affiliates,
Sunset Life Insurance Company of America (Sunset) and Old American Insurance
Company (Old American). KCL markets its individual products, principally
interest sensitive and variable products, through a career general agency sales
force and these products generate 42 percent of consolidated revenues from customers. The
group products, largely life, dental, disability and administrative services
only, are sold through the general agency sales force and appointed group
agents. Group revenues account for 23 percent of revenues from customers. Kansas City Life
operates in 48 states and the District of Columbia. Sunset markets interest
sensitive and traditional products to individuals through a personal producing
general agency system. Sunset operates in 43 states and the District of Columbia. This segment provides 7 percent of
revenues. The Old American segment markets whole life final expense products to
seniors through a general agency sales force. Old American operates in 46 states and the District of Columbia
and accounts for 28 percent of consolidated revenues from customers.

Old American and
Sunsets administrative and accounting operations are part of
KCLs home office. However, each entity operates a separate and independent
marketing department and field force.

KCL and its subsidiaries
are subject to state regulations in their states of domicile and in the states
in which they do business. Although the federal government generally does not
regulate the business of insurance, federal initiatives often have an impact on
the business in a variety of ways including the taxation of insurance companies
and the tax treatment of insurance products.

KCL and its subsidiaries
have 601 full time employees located in its home office. The Company considers
relations with its employees to be good.

The Company is engaged in a
competitive industry, competing with 1,500 to 2,000 other life insurance
companies in the United States. The industry is highly competitive with respect
to pricing, selection of products and quality of service. No single competitor
nor any small group of competitors dominates any of the markets in which the
Company operates.

Access to Public Filings

Beginning with this filing
KCL will be providing access to its annual report on Form 10-K, and will
provide access as they become available during the year for all quarterly
reports on Form 10-Q, current reports on Form 8-K, and amendments to these
reports filed with the Securities and Exchange Commission (SEC) under the 1934
Act, free of charge. These documents may be accessed on KCLs
website at the following address: http://www.kclife.com. These documents
will be provided as soon as is practicable after filing with the SEC, although not
always on the same day. These documents may also be found on the SECs
website at http://www.sec.gov.

## Item 2.  PROPERTIES

KCLs
home office is located at 3520 Broadway in Kansas City, Missouri. The Company
owns and wholly occupies two five story buildings on an eight acre site.

The Company owns various other properties held for investment.

## Item 3.   LEGAL
PROCEEDINGS

In recent years, the life insurance
industry, including the Company and its subsidiaries, have been subject to an
increase in litigation pursued on behalf of purported classes of insurance
purchasers, questioning the conduct of insurers in the marketing of their
products. The Company believes that the actions described below are part of this
trend. The Company denies all allegations of wrongdoing in these lawsuits, and
has been defending them vigorously.

In the case of Charles
R. Sullivan, etc., previously reported in the Companys Form 10-Q
Report for the Quarter Ended September 30, 2001, a Motion for Certification of
the Class has been filed by the Plaintiff. Management believes that it is
administering and has responsibility for 326 of the policies involved in the
dispute.

In the previously reported
case of Wilner v. Sunset Life Insurance Company, Dean Delevie, et al.,
Case No. SC051573, the Superior Court of the State of California, County of Los
Angeles, on February 28, 2002 approved a settlement of a nationwide class action
lawsuit focusing on universal life sales practices by Sunset Life. The
settlement has become final. With certain limited exceptions, the class that is
bound by the terms of the settlement includes persons and entities who at any
time during the class period (January 1, 1982 through December 31, 2001) had an
ownership interest in one or more of Sunset Lifes universal life policies
during the class period. The reserve in connection with this settlement was
increased to $18,000,000 in 2001. The actual cost of the settlement including
claim, administration, and attorneys fees was $15,918,000. The case has
been dismissed following settlement.

In addition to the above,
the Company and its subsidiaries are defendants in, or subject to other claims
or legal actions. Some of these claims and legal actions are in jurisdictions
where juries are given substantial latitude in assessing damages, including
punitive damages. Although no assurances can be given and no determinations can
be made at this time, management believes that the ultimate liability, if any
with respect to these other claims and legal actions, would have no material
effect on the Companys business, results of operations or financial
position.

## Item 4.  
SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

No matters were submitted
to a vote of the shareholders of the Company during the Fourth Quarter of the
fiscal year ended December 31, 2002.

# PART II

## Item 5.    MARKET FOR THE REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

| | Incorporated by Reference. | Page 38 of Annual Report to shareholders
                                                     for the year ended December 31, 2002.
| | -------------------------- | -----------------------------------------------------------------------------------------------------------------------------------

## Item 6.    SELECTED FINANCIAL DATA

| | Incorporated by Reference. | Page 16 of Annual Report to shareholders
                                                     for the year ended December 31, 2002.
| | -------------------------- | -----------------------------------------------------------------------------------------------------------------------------------

## Item 7.    MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

| | Incorporated by Reference. | Pages 14 through 21 of Annual Report to
                                                     shareholders for the year ended December 31, 2002.
| | -------------------------- | -----------------------------------------------------------------------------------------------------------------------------------------------

## Item 7A.   QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

| | Incorporated by Reference. | Pages 18 through 20 of Annual Report to
                                                     shareholders for the year ended December 31, 2002.
| | -------------------------- | -----------------------------------------------------------------------------------------------------------------------------------------------

## Item 8.    FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

| | Incorporated by Reference. | Pages 22 through 37 of Annual Report to
                                                     shareholders for the year ended December 31, 2002.
| | -------------------------- | -----------------------------------------------------------------------------------------------------------------------------------------------

## Item 9.    CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

| | Not Applicable. | 
| | --------------- | 

# PART III

## Item 10.   DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

(a)  The following information, as of December 31, 2002, is provided with respect to each Director and Nominee:

`Term as
                                             Director                                        Served as
                                             Expires            Other Positions               Director
   Name of Director               Age        in April           with the Company                From

J. R. Bixby (1)(3)(4)             77           2003          Chairman of the Board              1957

R. Philip Bixby                   49           2003          President, CEO and Vice            1985
(1)(3)(4)                                                    Chairman of the Board

Warren J. Hunzicker, M.D.         82           2003          None                               1989
(1)(2)

Tracy W. Knapp                    40           2003          Senior Vice President,             2002
(1)(3)(4)                                                    Finance

E. Larry Winn, Jr.                83           2003          None                               1985
(1)(2)(4)(5)(6)

William R. Blessing               48           2004          None                               2001
(2)

Bruce W. Gordon (3)               55           2004          Senior Vice President,             2002
                                                             Marketing

Cecil R. Miller (2)(5)            70           2004          None                               2001

Michael J. Ross                   61           2004          None                               1972
(2)(4)(5)(6)

Elizabeth T. Solberg              63           2004          None                               1997
(2)

Walter E. Bixby    (2)            43           2005          None                               1996

Webb R. Gilmore                   58           2005          None                               1990
(2)(4)(6)

Nancy Bixby Hudson (2)            50           2005          None                               1996

Daryl D. Jensen    (2)            63           2005          None                               1978

William A. Schalekamp (3)(4)      58           2005          Senior Vice President,             2002
                                                             General Counsel
                                                             and Secretary`

|(1) | Subject to the approval of the  shareholders  at the annual  meeting of  shareholders  to be held on  April 24, 2003,  will be
         elected for a three-year term ending in 2006.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|--- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(2) | Walter E. Bixby was elected  Assistant  Vice  President  of the  Company in 1985,  Vice  President,  Marketing  in 1990,  Vice
         President,  Marketing Operations in 1992, and President of Old American,  a subsidiary,  in 1996. He also serves as a Director
         of Sunset Life,  Old American,  and  Generations  Bank,  subsidiaries.  Mr.  Blessing is currently  Vice  President,  Business
         Development and Strategy,  Sprint PCS, Kansas City,  Missouri,  a position he has held since 1998. He has been with Sprint and
         related  entities in various  capacities  since 1981. Mr. Gilmore is Chairman,  CEO and Shareholder of the law firm of Gilmore
         & Bell.  Nancy Bixby Hudson has served as a Director of Sunset Life, a subsidiary,  since 1986.  Dr.  Hunzicker was elected by
         the Board of Directors to an unexpired  term in 1989.  Dr.  Hunzicker  served as the Company's  Medical  Director from 1987 to
         1989; he formerly  served as a member of the Company's  Board of Directors  from 1977 to 1980.  Mr. Jensen served as President
         of Sunset Life, a subsidiary  of  Registrant,  from 1973 until his  retirement  in 1999.  Mr.  Jensen  serves as a Director of
         Sunset Life and Generations Bank,  subsidiaries.  He also serves on the Board of Directors of Heritage  Financial  Corporation
         and is Vice  President,  Administration  of Western  Institutional  Review Board.  Mr. Miller is a retired partner of KPMG LLP
         (formerly Peat,  Marwick,  Mitchell & Co.) Mr. Miller joined KPMG in 1957 and became an audit partner in 1967  specializing in
         insurance  and  agribusiness.  He  retired  in 1990.  Mr.  Ross has been  Chairman  of the Board of  Jefferson  Bank and Trust
         Company,  St.  Louis,  Missouri,  since 1983.  Mr. Ross also serves as a Director of  Generations  Bank,  a  subsidiary.  Mrs.
         Solberg became a Regional President and Senior Partner of  Fleishman-Hillard,  Inc., in January,  1998. She had been Executive
         Vice  President  since 1984.  She serves as a Director of  Generations  Bank, a  subsidiary.  She also serves as a Director of
         Ferrellgas,  Inc. and Midwest Express  Holdings,  Inc. Mr. Winn is retired as the Kansas Third District  Representative to the
         U.S. Congress.
|(3) | See below with respect to the business experience of executive officers of the Company.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|(4) | Member of Executive Committee.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|(5) | Member of Audit Committee.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|(6) | Member of Compensation Committee.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
|    | (b)    Executive Officers.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            

|Name, Age and Position                                                   | Business ExperienceDuring Past 5 Years                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|------------------------------------------------------------------------ | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|J. R. Bixby, 77Chairman of the Board                                     | Chairman since 1972; President from 1964 until he retired in April, 1990.
                       Responsible for overall corporate policy.  Chairman of the Board of Sunset
                                                      Life and Old American, subsidiaries.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|R. Philip Bixby, 49President, CEO and ViceChairman of the Board          | Elected Assistant Secretary in 1979; Assistant Vice President in 1982; Vice
                     President in 1984; Senior Vice President, Operations in 1990; Executive
                       Vice President in 1996; President and CEO in April, 1998; and Vice
                                            Chairman of the Board in January, 2000.  Director and President of Sunset
                                            Life, Director of  Old American, and Chairman of the Board of Generations Bank,
                                            subsidiaries.                                                                                                                                                                                                                       
|Name, Age and Position                                                   | Business ExperienceDuring Past 5 Years                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|Bruce W. Gordon, 55Senior Vice President,Marketing                       | Elected Senior Vice President, Marketing in July, 2001.  Responsible for
Marketing, Marketing Administration, Communications and Public
Relations.  Served as Vice President, Distribution Individual Insurance, Sun
Life Financial 1999-2001; President, Product Resource Group and Vice
President-ILD Marketing, Protective Life Insurance Company 1997-1999.
Elected to fill the unexpired term of Jack D. Hayes on the Company's
Board  of Directors in January, 2002.  Senior Vice President, Marketing and
a member of the Board of Directors of Sunset Life, a subsidiary.                                                                                                                                                                                                                    
|Tracy W. Knapp, 40Senior Vice President,Finance                          | Was elected Senior Vice President, Finance and to the unexpired term on
                  the Board of Directors of Richard L. Finn, who retired January 31, 2002.
                  Chief financial officer and responsible for the investment of the Company's
                  funds, accounting and taxes.  Mr. Knapp  joined the Company in 1998 and
                  was responsible for developing a banking subsidiary.  He was elected
                  President and CEO of Generations Bank when it was chartered in
                  July, 2000.  From 1991 to 1998,he held several positions with U.S. Credit
                  Union including Vice President, Finance and Controller.  Director of Sunset Life, Old
                  American and Generations Bank, subsidiaries.
|Mark A. Milton, 44Senior Vice Presidentand Actuary                       | Elected Assistant Actuary in 1984; Assistant Vice President/Associate
                   Actuary in 1987; Vice President/ Associate Actuary in 1989;
                   Vice President and Actuary in January, 2000; and to present position in
                   January, 2001.  Responsible for Actuarial Services, State Compliance and
                   Group.  Director, Vice President and Actuary of Sunset Life, and Director of Old American,
                   subsidiaries.                                                                                                                                                                                                                                                                                                           
|Michael P. Horton, 60Vice President, Group                               | Elected Director, Group Life/Sales in 1977; Assistant Vice President,
                       Group in 1981; and to Vice President, Group in 1984.  Responsible for
                                            group sales and  products.  Mr. Horton retired January 31, 2003.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|Robert C. Miller, 56Senior Vice President,Administrative Services        | Elected Assistant Auditor in 1972; Auditor in 1973; Vice President
                               and Auditor in 1987; and to present position in 1991.  Responsible
                     for Human Resources and Administrative Functions.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
|Charles R. Duffy, Jr., 55Senior Vice President,Operations                | Elected Vice President, Computer Information Services in 1989; Vice
                               President, Insurance Administration in 1992; and to present position in
                                           1996.  Responsible for the Company's Computer Operations, Customer
                                                     Services, Claims, Agency Administration, New Business, Medical and
                                            Underwriting.  Director of Sunset Life and  Old American, subsidiaries.                                                                                                                                                                                                                                                                 
|John K. Koetting, 57Vice President and Controller                        | Elected Assistant Controller in 1975; and to Vice President and
                                  Controller in 1980.  Chief accounting officer responsible for all
                                          corporate accounting reports.  Director of Old American, a subsidiary.  Mr.
                                                     Koetting retired January 31, 2003.                                                                                                                                                                                                                                                                                                                                                                                                                    
|C. John Malacarne, 61Senior Vice President,General Counsel and Secretary | Elected Associate General Counsel in 1976; General Counsel in 1980;
                               Vice President and General Counsel in 1981; and to Senior Vice
                             President, General Counsel and Secretary in 1991.  Responsible
                                            for Legal  Department, Office of the Secretary, Stock Transfer Department
                                            and Market Compliance.  Director and Secretary of Sunset Life, Old American, and
                                            Generations Bank, subsidiaries.  Mr. Malacarne retired May 31, 2002.                                                                                                                                                                    

|Name, Age and Position                                                        | Business ExperienceDuring Past 5 Years                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|----------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|William A. Schalekamp, 58Senior Vice President, General Counsel, andSecretary | Joined the Company in 1971.  Was elected Assistant  Counsel in 1973;
                              Associate Counsel in 1975; Assistant General Counsel in 1980;
                        Associate General Counsel in 1984; Vice President and Chief
                                            Compliance Officer/Associate General Counsel in January, 2002, and to
                                                     his present position in April, 2002.  Responsible for Legal Department,
                                            Office of the Secretary, Stock Transfer Department, and Market Compliance.

(d)   Nancy Bixby  Hudson is the  daughter of J. R. Bixby;  R. Philip  Bixby and Walter E. Bixby are brothers and the nephews of
J. R. Bixby.

(e)     See Business Experience During Past 5 Years above.

(f)   There have been no events under any bankruptcy act, no criminal  proceedings  and no judgments or injunctions  material to
the evaluation of the ability and integrity of any Director, nominee or executive officer during the past five years.

## Item 11.  
EXECUTIVE COMPENSATION

(a)  Compensation

The following table sets
forth information concerning cash compensation paid or accrued by the Company
and its subsidiaries to the Chief Executive Officer and the other four most
highly paid executive officers as of December 31, 2002 for the fiscal years
ending December 31, 2002, 2001 and 2000.

`SUMMARY COMPENSATION TABLE

                                                        Annual Compensation      Long Term
                                                                                 Incentive        Other           All
                     Name and                                                   Compensation      Annual         Other
                Principal Position                  Year    Salary      Bonus      Payouts     Compensation  Compensation


R. P. Bixby                                         2002   $527,220   $101,924                   $7,000        $48,774
President, CEO and Vice Chairman of the Board,      2001    483,660     21,682                    7,000         45,965
Kansas City Life; Director of Sunset Life,          2000    443,700        400                    7,000         42,287
Director of Old American, and Chairman
of the Board of Generations Bank, subsidiaries
                                                  ---------------------------------------------------------------------

B. W. Gordon                                        2002    249,900    102,790                    5,000         11,639
Senior Vice President, Marketing, Kansas City       2001    113,670     40,740                      500          4,612
Life; Director of Sunset Life, subsidiary           2000          0          0                        0              0
                                                  ---------------------------------------------------------------------

C. R. Duffy, Jr.                                    2002    226,980     37,760                    3,000         22,802
Senior Vice President, Operations, Kansas City      2001    216,180     14,513                    3,000         19,959
Life; Director of Sunset Life and Old American,     2000    202,020     14,654                    3,000         18,385
subsidiaries
                                                  ---------------------------------------------------------------------

M. A. Milton                                        2002    208,500     35,999                    2,750         18,339
Senior Vice President and Actuary, Kansas City      2001    184,810     15,139                    2,000         16,847
Life; Director of Sunset Life and Old American,     2000    163,200      3,201                    1,000         13,877
subsidiaries
                                                  ---------------------------------------------------------------------

T. W. Knapp                                         2002    201,150     51,789                    5,250         13,286
Senior Vice President, Finance, CFO, Kansas City    2001    130,000          0                        0            286
Life; Director of Old American, Sunset Life,        2000    119,820     10,000                        0          8,518
and Generations Bank, subsidiaries
                                                  ---------------------------------------------------------------------`

ALL OTHER COMPENSATION INCLUDES THE FOLLOWING:

The Company has a contributory  Internal  Revenue Code Section 401(k) savings and profit sharing plan.  Directors and officers
who are full time employees of the  Registrant or its  subsidiaries  participate in the plan on the same basis as all other  employees.
Employees may contribute up to 100% of their monthly base salary.  Highly  compensated  employees are limited to  contributions  of 6%.
The Company  contributes an amount equal to 50%, 75% or 100% of the employee  contributions  based on a schedule of years of employment
to a maximum of 6% of an employee's  compensation  in the form of capital stock of the Company.  The amount  contributed to the plan in
2002 for the  accounts of the named  individuals  are as  follows:  R. P. Bixby,  $11,000;  B. W.  Gordon,  $2,083;  C. R. Duffy,  Jr.,
$11,000; M. A. Milton, $11,000; T. W. Knapp,  $5,660.

The Company has adopted a  nonqualified  deferred  compensation  plan for  approximately  42 highly  compensated  officers and
employees.  It is similar to the Company's 401(k) plan.  Participants  contribute  amounts to this plan that they cannot  contribute to
the  401(k)  plan up to a total of 25% of their  monthly  salary and the  Company  contributes  up to a maximum of 6% of their  monthly
salary.  The amount  contributed to the plan in 2002 for the accounts of the named  individuals are as follows:  R. P. Bixby,  $20,633;
B. W. Gordon, $0; C. R. Duffy, Jr., $2,619; M. A. Milton, $1,510; T. W. Knapp,  $0.

The Company  provides  yearly  renewable  term  insurance  to its  employees  in the amount of 2 1/2times their  annual  salary.
Directors  and officers  who are full time  employees  participate  in the program on the same basis as all other  employees.  Premiums
paid for the named  individuals for 2002 are as follows:  R. P. Bixby,  $2,283;  B. W. Gordon,  $1,586; C. R. Duffy, Jr., $2,418; M. A.
Milton, $566; T. W. Knapp,  $535.

The  Company  has a three year long term  incentive  plan in place for senior  management  that  awards  participants  for the
increase in the price of the  Company's  common stock from January 25, 2000 through  January 24, 2003.  Participants  are awarded units
(phantom  shares) based on their  annualized  salary  divided by the share price of $32.25 as of January 21, 2000. At the conclusion of
the plan,  participants  receive  awards  based on the increase in the per share price times their  number of units.  Participants  are
also awarded dividends on these shares  commensurate with the Company's dividend policy.  Payments  equivalent to dividends received by
the named individuals and included in All Other Compensation are as follows: R. P. Bixby,  $14,859; B. W. Gordon,  $7,970; C. R. Duffy,
Jr., $6,765; M. A. Milton, $5,264; T. W. Knapp,  $7,091.

(f)     Defined Benefit or Actuarial Plan Disclosure

The Company has a
noncontributory defined benefit pension plan which covers employees age 21 and
over. Effective January 1, 1998, the pension plan was converted to a cash
balance plan. Benefits under the plan will no longer be determined primarily by
final average compensation and years of service. Each participants benefit
accrued under the prior plan formula as of December 31, 1997 was converted to an
opening account balance in the cash balance plan.

Beginning in 1998,
participants accumulate annual pay credits equal to a percentage of annual
compensation, ranging from 3% to 16% based on years of service of the
participant. The cash balance account is further credited with interest annually
which is based on the 30-year treasury bond rate in effect for November of the
prior plan year. Upon termination of employment, the account balance as of such
date may be distributed to the participant in lump sum or annuity form, at the
election of the participant. Benefits vest according to years of service after
age 18 on a graded scale, beginning with 30% vesting with 3 years, and becoming
100% vested with 7 years. Compensation for determining benefits under the plan
is equal to base salary, excluding overtime and bonuses.

Participants age 55 with 15
years of service as of December 31, 1997 will receive the greater of the benefit
under the cash balance plan, or the prior plan formula based on final average
compensation and years of service. The following table illustrates the possible
annual pension benefits under the prior plan formula based upon final average
compensation and years of service, for these employees. Participants may elect a
lump sum distribution.

`PENSION PLAN TABLE

    Compensation                          Years of Service                       SS**

                           10          20             30            40

      $ 75,000        $ 18,750      $ 37,500      $ 50,776*     $ 50,776*     $18,449
       100,000          25,000        50,000        70,000        70,776*      18,449
       125,000          31,250        62,500        87,500        90,776*      18,449
       150,000          37,500        75,000       105,000       110,776*      18,449
       200,000          50,000       100,000       140,000       150,776*      18,449
       250,000          62,500       125,000       175,000       190,776*      18,449
       300,000          75,000       150,000       210,000       230,776*      18,449
       350,000          87,500       175,000       245,000       270,776*      18,449
       400,000         100,000       200,000       280,000       310,776*      18,449
       450,000         112,500       225,000       315,000       350,776*      18,449
       500,000         125,000       250,000       350,000       390,776*      18,449`

*Maximum pension based on
an estimate of Social Security **Estimated annual Social Security benefit at age
65

A participant's  base salary not to exceed $150,000 (as adjusted for cost of living)  commencing  January 1, 1994, was used to
determine  compensation  under the plan for benefits  from the  qualified  plan.  For the  individuals  named in the Cash  Compensation
Table,  the years of service covered by the plan for the year ended December 31, 2002,  were: R. P. Bixby,  25 years;  B. W. Gordon,  2
years; C. R. Duffy, Jr., 13 years; M. A. Milton, 21 years; T. W. Knapp,  2 years.

The estimated annual annuity benefit payable  starting at normal  retirement age (age 65) as accrued through December 31, 2002
under the cash balance plan for each of the named  individuals  are as follows:  R. P. Bixby,  $180,824;  B. W. Gordon,  $1,616;  C. R.
Duffy, Jr., $28,966; M. A. Milton, $76,128; T. W. Knapp,  $3,840.

The Company has adopted an
unfunded excess benefit plan which covers any employee who is an active
participant in the non-contributory defined benefit pension plan and whose
pension benefit under that plan would exceed the maximum benefit limited under
Internal Revenue Code Section 415. A participant under this plan is entitled to
a monthly benefit of the difference between the maximum monthly normal, early,
or deferred vested retirement benefit determined without regard to the Internal
Revenue Code Section 415 limitation and the monthly equivalent of the maximum
benefit permitted by Internal Revenue Code Section 415. Participants may elect a
lump sum distribution.

(g)    Compensation of Directors

Outside Directors are paid
$5,000 quarterly; $2,000 if they attend Special Board Meetings; $1,000 if they
attend Executive Committee Meetings; $1,000 if they attend Audit Committee
Meeting; and $500 if they attend all other Committee Meetings. Inside Directors
are paid $1,000 quarterly and $400 if they attend Special Board Meetings. The
Chairman of the Board is paid $30,000 quarterly. Outside Directors of Sunset
Life, a subsidiary, are paid $1,000 quarterly, inside Directors are paid $500
quarterly. The Chairman of the Board is paid $11,250 quarterly. Directors of Old
American are paid $250 quarterly. The Chairman of the Board is paid $8,750
quarterly. Director fees are included in the Compensation Table.

(h)      Employment Contracts and Termination of Employment and Change in Control Arrangements

There are no employment
contracts between the Company and its executive officers. The Companys
benefit plans contain typical provisions applicable to all employees for
termination of employment.

(j)     Additional Information with Respect to Compensation Committee

The members of the Compensation Committee:  Elizabeth T. Solberg, Michael J. Ross and E. Larry Winn, Jr.

## Item 12.  
SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

(a)     Security Ownership of Certain Beneficial Owners

The following table sets
forth information as of December 31, 2002 concerning certain beneficial owners
of voting securities of the Companys $1.25 par value capital stock
(common stock). The common stock is the Companys only class of
voting securities. As described in the notes to the table set forth below,
certain named persons share the power of voting and disposition with respect to
certain shares of common stock. Consequently, such shares are shown as being
beneficially owned by more than one person.

`Name and Address                                     Percent of Class


 Mark A. Milton, Robert C. Miller and Tracy W. Knapp,
 Trustees of the Kansas City Life Insurance Company
 Savings and Profit Sharing Plan and the Kansas City Life
 Employee Stock Plan and the Kansas City Life Agents
 Stock Bonus Plan
 3520 Broadway
 Kansas City, MO 64111-2565

 Amount and Nature of Ownership(1)

                     848,656 Shares                                       7.1

 WEB Interests, Ltd.
 3520 Broadway
 Kansas City, MO 64111-2565

 Amount and Nature of Ownership(2)

                   2,358,340 Shares                                      19.7

 Angeline I. O'Connor
 12501 Granada Lane
 Leawood, KS 66209

 Amount and Nature of Ownership(2)(3)

                   3,084,343 Shares                                      25.7

 JRB Interests, Ltd.
 3520 Broadway
 Kansas City, MO 64111-2565

 Amount and Nature of Ownership(4)

                   2,966,312 Shares                                      24.7

 Margie Morris Bixby
 3530 Pennsylvania
 Kansas City, MO 64111

 Amount and Nature of Ownership(4)(5)

                   2,968,112 Shares                                      24.7

 Lee M. Vogel
 4701 NW 59th Court
 Kansas City, MO 64151

 Amount and Nature of Ownership(4)(6)

                   2,973,410 Shares                                      24.8

 R. L. Finn
 10106 N.W. 74th St.
 Kansas City, MO 64152

 Amount and Nature of Ownership(7)

                   2,903,815 Shares                                      24.2`

|(1) | Trustees have the power to sell plan assets.  Participants may instruct the Trustees how to vote their shares.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|--- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(2) | The WEB Interests,  Ltd. is a Texas limited partnership (the "WEB  Partnership").  Each partner of the WEB Partnership has the
         power to vote that number of shares of Common Stock owned by the WEB  Partnership  which equals such  partner's  proportionate
         interest in the WEB Partnership.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|(3) | Includes  2,358,340  shares for which  Angeline I. O'Connor  ("Ms.  O'Connor")  shares the power of  disposition  as a general
         partner of the WEB  Partnership.  Of these shares,  Ms.  O'Connor:  (a) as a general  partner of the WEB  Partnership,  in her
         capacity as a co-trustee of the Walter E. Bixby, Jr. Revocable Trust,  shares the power to vote 2,064,540  shares;  (b) as the
         sole trustee of the Angeline I.  O'Connor  GST Trust and the Issue Trust for  Angeline I.  O'Connor,  which trusts are limited
         partners of the WEB  Partnership,  has the power to vote 90,643 shares;  and (c) as an individual  general partner of the WEB
         Partnership,  has the sole  power to vote 209  shares.  Also  includes:  (a)  372,315  shares  for  which Ms.  O'Connor,  as a
         co-trustee (with R. Philip Bixby and Walter E. Bixby) of the Walter E. Bixby Descendants  Trust,  shares the power to vote and
         the power of  disposition;  and (b) 353,688  shares which Ms.  O'Connor  owns  directly and has the sole power to vote and the
         sole power of disposition.
|(4) | The JRB Interests,  Ltd. is a Texas limited  partnership  (the "JRB  Partnership").  Each partner of the JRB  Partnership  has
         the  power to vote  that  number  of  shares  of  Common  Stock  owned by the JRB  Partnership  which  equals  such  partner's
         proportionate interest in the JRB Partnership.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|(5) | Includes  2,966,312  shares for which  Margie  Morris  Bixby ("MM  Bixby"),  as the sole  trustee of the Margie  Morris  Bixby
         Revocable  Trust (the "MMB  Trust"),  a general  partner  and a limited  partner of the JRB  Partnership,  shares the power of
         disposition.  Of these  shares,  MM Bixby (a) as a  general  partner  and a limited  partner  of the JRB  Partnership,  in her
         capacity as sole  trustee of MMB Trust,  has the sole power to vote  25,900  shares;  and (b) as a limited  partner of the JRB
         Partnership,  in her individual capacity,  has sole power to vote 324 shares. Also includes,  1,800 shares for which MM Bixby,
         as a joint tenant with right of survivorship with Mr. Vogel, shares the power to vote and the power of disposition.                                                                                                                                                                                                                                                                                                                              
|(6) | Includes  2,966,312  shares for which Lee M. Vogel ("Mr.  Vogel"),  as a general  partner of the JRB  Partnership,  shares the
         power of  disposition.  Of these  shares,  Mr.  Vogel:  (a) as a general  partner of the JRB  Partnership,  in his  individual
         capacity,  has the sole power to vote 259 shares;  and (b) as a co-trustee  (with  Richard L. Finn and Webb R. Gilmore) of the
         Issue  Trust for Lee M.  Vogel,  a limited  partner of the JRB  Partnership,  shares the power to vote  979,491  shares.  Also
         includes:  (a) 1,800 shares for which Mr. Vogel, as a joint tenant with right of survivorship with MM Bixby,  shares the power
         to vote and the power of  disposition;  and (b) 5,298 shares which Mr. Vogel owns  directly and has the sole power to vote and
         the sole power of disposition.                                                                                                                                                                                                                                                                           
|(7) | Richard L. Finn and Webb R. Gilmore share the power to vote (a)  1,924,300  shares with Nancy Hudson,  as  co-trustees  of the
         Nancy  Bixby  Hudson GST Trust and the Issue  Trust for Nancy  Bixby  Hudson,  which  trusts are  limited  partners of the JRB
         Partnership;  (b) 979,491 shares with Lee M. Vogel,  as co-trustees of the Issue Trust for Lee M. Vogel, a limited  partner of
         the JRB  Partnership,  and (c) also  includes 24 shares  which Mr. Finn owns  directly  and has the sole power to vote and the
         sole power of disposition.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               

(b)     Security Ownership of Management

The following table sets
forth information as of December 31, 2002 concerning officers and directors who
own an interest in the Companys $1.25 par value capital stock
(common stock). The common stock is the Companys only class of
voting securities. As described in the notes to the table set forth below,
certain named persons share the power of voting and disposition with respect to
certain shares of Common Stock. Consequently, such shares are shown as being
beneficially owned by more than one person.

J. R. Bixby,  R. Philip Bixby,  Warren J.  Hunzicker,  M.D.,  Tracy W. Knapp,  and E. Larry Winn, Jr. are currently  Directors
whose terms expire on April 28, 2003.  They are nominees of  management  for election to three-year  terms at the annual  meeting to be
held April 24, 2003:

`Served             Shares of
                                                     as a            Record and
     Name and                 Principal             Director         Beneficially        Percent
      Address                Occupation              Since              Owned            of Class
      -------                ----------            --------          ------------        --------

Walter E. Bixby            President, Old            1996                 7,955(1)         25.9
3520 Broadway              American Insur-                            2,358,340(2)(3)
Kansas City, MO            ance Company,                                367,476(4)
                           Kansas City, MO                              372,315(5)




Webb R. Gilmore            Chairman, CEO             1990             2,904,291(11)        24.2
833 Westover Rd.           and Shareholder,
Kansas City, MO            Gilmore & Bell,
                           Kansas City, MO

Nancy Bixby Hudson         Investor                  1996             2,966,312(6)         27.0
425 Baldwin Creek Rd.                                                   331,566(7)
Lander, WY

Daryl D. Jensen           Vice Chairman of           1978                   939               *
2143 Old Port Dr.         the Board, Sunset
Olympia, WA               Life Insurance
                          Company of America,
                          Kansas City, MO

William A. Schalekamp     Senior Vice Presi-         2002                     6               *
3520 Broadway             dent, General Counsel                          18,089(1)
Kansas City, MO           and Secretary`

The following Directors, except Mr. Knapp who replaced Richard L. Finn, were elected April 20, 2000 for a three year term:

`J. R. Bixby               Chairman of the            1957             2,966,312(8)         24.7
3520 Broadway             Board
Kansas City, MO

R. Philip Bixby           President, CEO             1985             2,358,340(2)(9)      25.9
3520 Broadway             and Vice Chairman                              17,570(1)
Kansas City, MO           of the Board                                  372,315(5)
                                                                        360,402(10)

Warren J. Hunzicker, M.D. Director                   1989                   300               *
1248 Stratford Rd.
Kansas City, MO

E. Larry Winn, Jr.        Retired Represent-         1985                   332               *
8420 Roe Ave.             ative, U.S. Congress
Prairie Village, KS

Tracy W. Knapp            Senior Vice Presi-         2002                   554(1)            *
3520 Broadway             dent, Finance
Kansas City, MO`

The following Directors, except Mr. Gordon who replaced Jack D. Hayes, were elected April 19, 2001 for a three-year term:

`Served             Shares of
                                                     as a            Record and
     Name and                Principal             Director         Beneficially         Percent
      Address                Occupation             Since               Owned            of Class
      -------                ----------            --------          ------------        --------

William R. Blessing       Vice President             2001                   100               *
11708 Manor               Sprint PCS
Overland Park, KS         Kansas City, MO

Bruce W. Gordon           Senior Vice Presi-         2002                   100               *
3520 Broadway             dent, Marketing                                   279(1)
Kansas City, MO

Cecil R. Miller           Retired                    2001                   100               *
12215 Ash
Overland Park, KS

Michael J. Ross           Chairman of the            1972                   600               *
12826 Dubon Lane          Board, Jefferson
St. Louis, MO             Bank and Trust
                          Company,
                          St. Louis, MO

Elizabeth T. Solberg      Regional President         1997                   200               *
850 W. 52nd St.           and Senior Partner,
Kansas City, MO           Fleishman-Hillard, Inc.,
                          St. Louis, MO

All Directors, executive officers and their spouses
(also includes all shares held by trustees of Company
benefit plans and shares held by the Bixby Family and
related Partnerships and Trusts)                                      8,336,138            69.5

     *Less than 1%.`

|(1)  | Approximate  beneficial  interest  in shares  held by the  Trustees of Kansas City Life  Insurance  Company  employee  benefit
         plans.  Participants have the power to vote the shares held in their account.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|---- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(2)  | As general  partners of the WEB Interests,  Ltd., a Texas limited  partnership  (the "WEB  Partnership"),  Walter E. Bixby, R.
         Philip Bixby and Angeline I.  O'Connor,  share the power to dispose of these shares,  which are owned by the WEB  Partnership.
         As general  partners,  in their capacity as co-trustees of the WEB Trust,  Walter E. Bixby,  R. Philip Bixby and Ms.  O'Connor
         share the power to vote 2,358,340 of these shares.                                                                                                                                                                                                                                                                      
|(3)  | Includes (a) 209 shares for which Walter E. Bixby,  as an  individual  general  partner of the WEB  Partnership,  has the sole
         power to vote;  and (b) 90,643  shares for which Walter E. Bixby,  as the sole  trustee of the Walter E. Bixby,  III GST Trust
         and the Issue Trust for Walter E. Bixby,  III,  which  trusts are limited  partners of the WEB  Partnership,  has the power to
         vote.                                                                                                                                                                                                                                                                                                                   
|(4)  | Includes  (a)  349,730  shares  which  Walter E.  Bixby  owns  directly  and has the sole  power to vote and the sole power of
         disposition;  and (b) 17,746 shares for which Walter E. Bixby,  as custodian for certain of his minor nieces and nephews,  has
         the sole power to vote and the sole power of disposition.                                                                                                                                                                                                                                                                                                                                                                                                       
|(5)  | These shares are held in the Walter E. Bixby  Descendants  Trust.  R. Philip Bixby,  Walter E. Bixby and Ms.  O'Connor are the
         co-trustees  of this  trust  and share the power to vote and the  power to  dispose  of these  shares.  The terms of the trust
         restrict the transfer of these shares.                                                                                                                                                                                                                                                                                                                                                                                                                          
|(6)  | Ms. Hudson,  as a general partner of JRB Interests,  Ltd., a Texas limited  partnership (the "JRB  Partnership"),  shares with
         the  managing  general  partner and the other  general  partners of the JRB  Partnership,  the power of  disposition  of these
         shares,  which are owned by the JRB Partnership.  Ms. Hudson (a) as a general partner of the JRB  Partnership,  has sole power
         to vote 259 of these  shares;  and (b) as a co-trustee  (with  Richard L. Finn and Webb R.  Gilmore) of the Nancy Bixby Hudson
         GST Trust and the Issue Trust for Nancy Bixby Hudson,  which trusts are limited  partners of the JRB  Partnership,  shares the
         power to vote 1,924,300 of these shares.
|(7)  | Ms.  Hudson,  as sole trustee of the Nancy Bixby Hudson Trust dated December 11, 1997, has the sole power to vote and the sole
         power to dispose of these shares.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|(8)  | J. R. Bixby,  as sole managing  general  partner of the JRB  Partnership,  shares with the other  general  partners of the JRB
         Partnership  the power of disposition of these shares,  which are owned by the JRB  Partnership.  Of these shares,  he has the
         sole power to vote (a) 324 of these shares as an individual  limited partner of the JRB Partnership,  and (b) 25,900 shares as
         a general partner of the JRB Partnership, in his capacity as sole trustee of the Joseph R. Bixby Revocable Trust.                                                                                                                                                                                                       
|(9)  | Includes  (a) 209 shares for which R. Philip  Bixby as an  individual  general  partner of the WEB  Partnership,  has the sole
         power to vote;  and (b) 90,643  shares for which R. Philip  Bixby,  as sole  trustee of the R. Philip  Bixby GST Trust and the
         Issue Trust for R. Philip Bixby, which trusts are limited partners of the WEB Partnership, has the power to vote.                                                                                                                                                                                                                                                                                                                                               
|(10) | Includes:  (a)  341,164  shares  which R.  Philip  Bixby  owns  directly  and has the sole power to vote and the sole power of
         disposition;  and (b) 19,238 shares for which R. Philip Bixby,  as custodian for certain of his minor nieces and nephews,  has
         the sole power to vote and the sole power of disposition.                                                                                                                                                                                                                                                                                                                                                                                                       
|(11) | Webb R. Gilmore and Richard L. Finn share the power to vote (a) 1,924,300  shares with Nancy  Hudson,  as  co-trustees  of the
         Nancy  Bixby  Hudson GST Trust and the Issue  Trust for Nancy  Bixby  Hudson,  which  trusts are  limited  partners of the JRB
         Partnership;  (b) 979,491 shares with Lee M. Vogel,  as co-trustees of the Issue Trust for Lee M. Vogel, a limited  partner of
         the JRB  Partnership,  and (c) also includes 500 shares which Mr. Gilmore owns directly and has the sole power to vote and the
         sole power of disposition.                                                                                                                                                      

## Item 13.   CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

None.

## Item 14.   CONTROLS AND PROCEDURES

Based on their evaluation, as of a date within 90 days of the filing of this Form 10-K, the Company's Chief Executive
Officer and Chief Financial Officer have concluded the Company's disclosure controls and procedures (as defined in Rules 13a-14 and
15d-14 under the Securities Exchange Act of 1934) are effective.  There have been no significant changes in internal controls or in
other factors that could significantly affect these controls subsequent to the date of their evaluation, including any corrective
actions with regard to significant deficiencies and material weaknesses.

PART IV

## Item 15.   EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K

(a)    (1)     Financial Statements

The following financial statements of Kansas City Life Insurance Company are incorporated by reference from the Company's
Annual Report to shareholders for the year ended December 31, 2002 at the following pages:

`Page


   Consolidated Income Statement - Years ended December 31, 2002, 2001 and 2000..........................   22
   Consolidated Balance Sheet - December 31, 2002 and 2001...............................................   23
   Consolidated Statement of Stockholders' Equity - Years ended December 31, 2002, 2001 and 2000.........   24
   Consolidated Statement of Cash Flows - Years ended December 31, 2002, 2001 and 2000...................   25
   Notes to Consolidated Financial Statements............................................................  26-36
   Independent Auditors' Report..........................................................................   37`

(a)    (2)     Supplementary Data and Financial Statement Schedules

Schedules are attached hereto at the following pages:

`Page


   I    - Summary of Investments - Other than Investments  in Related Parties, December 31, 2002..........   23
   II   - Condensed Financial Information of Registrant, Years ended December 31, 2002, 2001 and 2000..... 24-26
   III  - Supplementary Insurance Information, Years ended December 31, 2002, 2001 and 2000...............   27
   IV   - Reinsurance Information, Years ended December 31, 2002, 2001 and 2000...........................   28
   V    - Valuation and Qualifying Accounts, Years ended December 31, 2002, 2001 and 2000.................   29`

All other schedules are
omitted as the required information is inapplicable or the information is
presented in the financial statements or related notes.

(b)      Reports on Form 8-K

None.

(c)      Exhibits

| | Exhibit |                                                                                                                                                                                                                                                 
| | ------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | Number: | Basic Documents:                                                                                                                                                                                                                                
| | 3(a)    | Articles of Incorporation (as Restated in 1986 and Amended in 1999).  [Filed as
                    Exhibit 3(a) to the Company's 10-Q Report for the quarter ended September 30, 1999
                    and incorporated herein by reference]
| | 3(b)    | Bylaws as Amended October 26, 1986.  [Filed as Exhibit 3(b)  to the Company's 10-K
                    Report for 1986 and incorporated herein by reference]                                                                                    
| | 4(a)    | Specimen copy of Stock Certificate. [Filed as Exhibit 4(a) to the Company's 10-Q Report for the
                    quarter ended September 30, 1999 and incorporated herein by reference]                                                      
| | 10(a)   | Tenth Amendment, Kansas City Life Deferred Compensation Plan.  [Filed as Exhibit 10(a) to the Company's
                    10-K Report for 2001 and incorporated herein by reference]                                                          
| | 10(b)   | Twenty-seventh Amendment, Kansas City Life Insurance Company  Savings and Profit
                    Sharing Plan. [Filed as Exhibit 10(b) to the Company's 10-K Report for 2001 and incorporated herein by
                    reference]      
| | 10(c)   | Thirteenth Amendment, Kansas City Life Employee Stock Plan.  [Filed as Exhibit 10(c) to the Company's
                    10-K Report for 2001 and incorporated herein by reference]                                                            
| | 10(d)   | Second Amendment, Kansas City Life Excess Benefit Plan. [Filed as Exhibit 10(d) to the
                    Company's 10-K Report for 2001 and incorporated herein by reference]                                                                 
| | 13      | Annual Report to Shareholders for the year ended December 31, 2002.                                                                                                                                                                             
| | 21      | Subsidiaries.                                                                                                                                                                                                                                   
| | 23(a)   | Independent Auditors' Consent.                                                                                                                                                                                                                  
| | 23(b)   | Independent Auditors' Consent.                                                                                                                                                                                                                  
| | 99(a)   | Form 11-K for the Kansas City Life Insurance Company Savings and Profit Sharing Plan
                    for the year 2002 and filed as a part  hereof and incorporated herein by reference.                                                    
| | 99(b)   | Prospectus for Kansas City Life Insurance Company Savings and Investment Plan. [Filed
                    as Exhibit 99(b) to the Company's 10-K Report for 2000 and incorporated herein by
                    reference]                      

## SIGNATURES

Pursuant to the
requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

## KANSAS CITY
LIFE INSURANCE COMPANY

`By:/s/Tracy W. Knapp             
    Tracy W. Knapp
    Senior Vice President, Finance
    (Principal Accounting Officer)
Date: March 24, 2003`

Pursuant to the
requirements of the Securities Exchange Act of 1934, this report has been signed
below by the following persons on behalf of the Registrant and in the capacities
and on the dates indicated.

`By:/s/R. Philip Bixby                                         By:/s/Joseph R. Bixby             
    R. Philip Bixby                                               Joseph R. Bixby
    Director; President, Chief                                    Director; Chairman of
    Executive Officer and Vice                                     the Board
    Chairman of the Board                                     Date: March 25, 2003
    (Principal Executive Officer)
Date: March 26, 2003


By:/s/E. Larry Winn, Jr.                                      By:/s/William A. Schalekamp       
    E. Larry Winn, Jr.                                            William A. Schalekamp
    Director                                                      Director; Senior Vice President,
Date: March 24, 2003                                              General Counsel and
                                                                  Secretary
                                                              Date: March 24, 2003


By:/s/Walter E. Bixby                                         By:/s/Cecil R. Miller             
    Walter E. Bixby                                               Cecil R. Miller
    Director                                                      Director
Date: March 24, 2003                                          Date: March 24, 2003


By:/s/Warren J. Hunzicker, M.D.                               By:/s/Elizabeth T. Solberg        
    Warren J. Hunzicker, M.D.                                     Elizabeth T. Solberg
    Director                                                      Director
Date: March 24, 2003                                          Date: March 24, 2003`

KANSAS CITY
LIFE INSURANCE COMPANY
SECTION 906 CERTIFICATION
                                                            Year Ended 2002

The undersigned certify
that the registrants Form 10-K report fully complies with the requirements
of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (15 U.S.C.
78m(a) or 78o(d) and that information contained in the report fairly represents,
in all material respects, the financial condition and results of operations of
the registrant.

/s/R. Philip Bixby
R. Philip Bixby
President, Chief Executive Officer,
and Vice Chairman of the Board

/s/Tracy W. Knapp
Tracy W. Knapp
Senior Vice President, Finance

Date:    March 26, 2003

KANSAS CITY
LIFE INSURANCE COMPANY
SECTION 302 CERTIFICATION

                                                            Year Ended 2002

I, R. Philip Bixby, President, Chief Executive Officer, and Vice Chairman of the Board of Kansas City Life Insurance Company, certify that:

|1. | I have reviewed this annual report on Form 10-K of Kansas City Life Insurance Company;                                                                                                                                                                                                                                                    
|-- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|2. | Based on my  knowledge,  this annual  report does not contain any untrue  statement  of a material  fact or omit to state a material
    fact necessary to make the statements  made, in light of the  circumstances  under which such  statements were made, not misleading
    with respect to the period covered by this annual report;
|3. | Based on my knowledge,  the financial  statements,  and other financial  information included in this annual report,  fairly present
    in all material  respects the  financial  condition,  results of  operations  and cash flows of the  registrant as of, and for, the
    periods presented in this annual report;                 
|4. | The  registrant's  other  certifying  officers and I are  responsible  for  establishing  and  maintaining  disclosure  controls and
    procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have:                                                                                                  

| | a) | designed such disclosure controls and procedures to ensure that material information  relating to the registrant,  including its
        consolidated  subsidiaries,  is made known to us by others within those entities,  particularly during the period in which this
        annual report is being prepared;
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | b) | evaluated the  effectiveness  of the  registrant's  disclosure  controls and procedures as of a date within 90 days prior to the
        filing date of this annual report (the "Evaluation Date"); and                                                                                                          
| | c) | presented in this annual report our conclusions about the  effectiveness of the disclosure  controls and procedures based on our
        evaluation as of the Evaluation Date;                                                                                                                                   

|5. | The  registrant's  other  certifying  officers  and I have  disclosed,  based on our most  recent  evaluation,  to the  registrant's
    auditors and the audit committee of registrant's board of directors (or persons performing the equivalent function):
|-- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | a) | all significant  deficiencies  in the design or operation of internal  controls which could  adversely  affect the  registrant's
        ability to record, process,  summarize and report financial data and have identified for the registrant's auditors any material
        weaknesses in internal controls; and
| | -- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | b) | any fraud, whether or not material,  that involves management or other employees who have a significant role in the registrant's
        internal controls; and                                                                                                                                                      

|6. | The  registrant's  other  certifying  officers and I have  indicated  in this annual  report  whether or not there were  significant
    changes in internal controls or in other factors that could  significantly  affect internal controls  subsequent to the date of our
    most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
|-- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Date:  March 26, 2003

/s/R. Philip Bixby
R. Philip Bixby
President, Chief Executive Officer,
and Vice Chairman of the Board

KANSAS CITY LIFE
INSURANCE COMPANY

SECTION 302 CERTIFICATION

                                                            Year Ended 2002

I, Tracy W. Knapp, Senior Vice President, Finance of Kansas City Life Insurance Company, certify that:

|1. | I have reviewed this annual report on Form 10-K of Kansas City Life Insurance Company;                                                                                                                                                                                                                                                    
|-- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|2. | Based on my  knowledge,  this annual  report does not contain any untrue  statement  of a material  fact or omit to state a material
    fact necessary to make the statements  made, in light of the  circumstances  under which such  statements were made, not misleading
    with respect to the period covered by this annual report;
|3. | Based on my knowledge,  the financial  statements,  and other financial  information included in this annual report,  fairly present
    in all material  respects the  financial  condition,  results of  operations  and cash flows of the  registrant as of, and for, the
    periods presented in this annual report;                 
|4. | The  registrant's  other  certifying  officers and I are  responsible  for  establishing  and  maintaining  disclosure  controls and
    procedures (as defined in Exchange Act Rules 13a-14 and 15d-14) for the registrant and we have:                                                                                                  

| | a) | designed such disclosure controls and procedures to ensure that material information  relating to the registrant,  including its
        consolidated  subsidiaries,  is made known to us by others within those entities,  particularly during the period in which this
        annual report is being prepared;
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | b) | evaluated the  effectiveness  of the  registrant's  disclosure  controls and procedures as of a date within 90 days prior to the
        filing date of this annual report (the "Evaluation Date"); and                                                                                                          
| | c) | presented in this annual report our conclusions about the  effectiveness of the disclosure  controls and procedures based on our
        evaluation as of the Evaluation Date;                                                                                                                                   

|5. | The  registrant's  other  certifying  officers  and I have  disclosed,  based on our most  recent  evaluation,  to the  registrant's
    auditors and the audit committee of registrant's board of directors (or persons performing the equivalent function):
|-- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

| | a) | all significant  deficiencies  in the design or operation of internal  controls which could  adversely  affect the  registrant's
        ability to record, process,  summarize and report financial data and have identified for the registrant's auditors any material
        weaknesses in internal controls; and
| | -- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
| | b) | any fraud, whether or not material,  that involves management or other employees who have a significant role in the registrant's
        internal controls; and                                                                                                                                                      

|6. | The  registrant's  other  certifying  officers and I have  indicated  in this annual  report  whether or not there were  significant
    changes in internal controls or in other factors that could  significantly  affect internal controls  subsequent to the date of our
    most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.
|-- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Date:  March 26, 2003

/s/Tracy W. Knapp
Tracy W. Knapp
Senior Vice President, Finance

Schedule I

KANSAS CITY LIFE INSURANCE COMPANY AND SUBSIDIARIES
                                                  SUMMARY OF INVESTMENTS - OTHER THAN
                                                    INVESTMENTS IN RELATED PARTIES
                                                           December 31, 2002

`Amount at
                                                                                         Which Shown
                                                                                         in Balance
                           Type of Investment                   Cost      Fair Value        Sheet
                           ------------------                   ----      ----------   --------------
                                                                          (In thousands)
              Fixed maturities, available-for-sale:
                 Bonds:
                    United States government and
                     government agencies and authorities    $   53,838       58,594        58,594
                    Mortgage-backed securities                 704,359      723,297       723,297
                    Public utilities                           250,330      241,335       241,335
                    Corporates                               1,099,806    1,087,774     1,087,774
                    All other bonds                             29,224       30,332        30,332
                 Redeemable preferred stocks                       110          107           107
                                                            -----------  -----------   --------------
                    Total                                    2,137,667    2,141,439     2,141,439
                                                            -----------  ===========   --------------

              Equity securities, available-for-sale:
                 Common stocks                                  34,714       34,600        34,600
                 Perpetual preferred stocks                     24,014       22,987        22,987
                                                            -----------  -----------   --------------
                    Total                                       58,728       57,587        57,587
                                                            -----------  ===========   --------------


              Mortgage loans, net                              463,150                    463,150
              Real estate, net                                  66,751                     66,751
              Real estate joint ventures                        26,257                     26,257
              Policy loans                                     108,551                    108,551
              Short-term investments                           186,770                    186,770
              Other investments                                  4,484                      4,484
                                                            -----------                --------------
                    Total investments                       $3,052,358                  3,054,989
                                                            ===========                ==============`

Schedule II

KANSAS CITY LIFE INSURANCE COMPANY
                                             CONDENSED FINANCIAL INFORMATION OF REGISTRANT
                                                             BALANCE SHEET

`December 31

                                                                          2002        2001
                                                                          ----        ----
                                                                           (in thousands)
                     Assets
                     Investments:
                        Available for
                        sale:
                           Fixed maturities, at fair value         $ 1,585,124   1,487,800
                        Equity securities, at fair value:
                           Investments in affiliates                   267,896     255,478
                           Other                                        42,350      50,442
                        Mortgage loans, net                            338,111     322,590
                        Real estate, net                                64,562      59,543
                        Real estate joint ventures                      19,974      26,724
                        Policy loans                                    86,647      91,777
                        Short-term investments                          91,572      76,187
                                                                    -----------  ----------
                           Total investments                         2,496,236   2,370,541


                     Cash                                                8,712       9,815
                     Deferred acquisition costs                        120,110     120,175
                     Value of purchased insurance in force              51,188      55,020
                     Deferred income taxes                               3,956      16,695
                     Other assets                                      131,118     115,714
                     Separate account assets                           244,862     305,283
                                                                    -----------  -----------
                           Total assets                            $ 3,056,182   2,993,243
                                                                    ===========  ===========
                     Liabilities and stockholders' equity
                     Liabilities:
                     Future policy benefits                        $   519,786     519,566
                     Accumulated contract values                     1,405,186   1,308,678
                     Other liabilities                                 288,851     294,032
                     Separate account liabilities                      244,862     305,283
                                                                    -----------  -----------
                           Total liabilities                         2,458,685   2,427,559
                                                                    -----------  -----------

                     Stockholders' equity:
                        Common stock                                    23,121      23,121
                        Paid in capital                                 22,605      21,744
                        Accumulated other comprehensive loss,
                           net of tax                                  (25,654)    (35,833)
                        Retained earnings including $177,386,000
                        undistributed earnings of affiliates
                           ($159,756,000 - 2001)                       688,064     665,282
                        Less treasury stock, at cost                  (110,639)   (108,630)
                                                                     ----------  ------------
                           Total stockholders' equity                  597,497     565,684
                                                                     ----------  ------------

                           Total liabilities and
                           stockholders' equity                    $ 3,056,182   2,993,243
                                                                    ===========  ============`

The above condensed financial statement should be read in conjunction with the consolidated  financial  statements and notes thereto of
Kansas City Life Insurance Company.

Schedule II
                                                                 (continued)

KANSAS CITY LIFE INSURANCE COMPANY
                                             CONDENSED FINANCIAL INFORMATION OF REGISTRANT
                                                           INCOME STATEMENT

`Years ended December 31

                                                             2002          2001          2000
                                                             ----          ----          ----

                                                                      (in thousands)

                Revenues
                Insurance revenues:
                   Premiums and contract charges         $  181,737       175,028       175,621
                   Reinsurance ceded                        (22,251)      (21,170)      (23,732)
                                                         ------------  -------------  -------------
                       Net insurance revenues               159,486       153,858       151,889
                Investment revenues:
                   Investment income, net                   143,431       151,547       155,859
                   Realized investment losses, net          (13,555)      (14,147)         (304)
                Other                                        11,140        10,447        11,042
                                                         ------------  -------------  -------------
                   Total revenues                           300,502       301,705       318,486
                                                         ------------  -------------  -------------

                Benefits and expenses
                Policyholder benefits, net of
                   reinsurance ceded                        201,030       191,825       191,772
                Amortization of deferred acquisition
                   costs                                     11,100        17,034        11,437
                Insurance operating expenses,
                   net of commissions ceded                  83,839        78,568        80,234
                Management fees from affiliates             (10,957)      (11,837)      (12,234)
                                                         ------------  --------------  ------------
                   Total benefits and expenses              285,012       275,590       271,209
                                                         ------------  --------------  ------------

                Income before federal income taxes
                   and equity in undistributed net
                   income of affiliates                      15,490        26,115        47,277

                Federal income taxes                          1,571         3,247        12,773
                                                         -------------  -------------  -------------

                Income before equity in undistributed
                   net income of affiliates                  13,919        22,868        34,504
                Equity in undistributed net income of
                   affiliates                                17,630         7,054        14,579
                                                         -------------  -------------  ------------

                Net income                            $      31,549        29,922        49,083
                                                         =============  =============  ============`

The above condensed financial statement should be read in conjunction with the consolidated  financial  statements and notes thereto of
Kansas City Life Insurance Company.

Schedule II
                                                                       (continued)

KANSAS CITY LIFE INSURANCE COMPANY
                                              CONDENSED FINANCIAL STATEMENT OF REGISTRANT
                                                          CASH FLOW STATEMENT

`Year ended December 31
                                                  2002        2001       2000
                                                  ----        ----       ----
                                                        (in thousands)

Net cash provided from operating activities   $   54,127      47,632     38,001

Investing Activities
    Purchases of security investments
      available for sale:
      Fixed maturities                          (607,280)   (602,440)  (273,929)
      Equity securities                           (4,004)     (3,927)   (10,200)
    Sales of security investments
      available for sale                         285,022     498,268    274,036
    Maturities and principal paydowns
      of security investments:
        Fixed maturities available for sale      244,763     128,216    84,291
        Fixed maturities held to maturity            --          --     15,414
        Equity securities available for sale       5,619      13,561    13,724
    Purchases of other investments              (108,891)   (147,068)  (77,150)
    Sales, maturities and paydowns
      of other investments                        69,502      42,911    48,231
    Disposition of group insurance blocks -
      net cash paid                                  --       (4,000)       --
                                               ----------  ---------- ----------

    Net cash provided (used)                    (115,269)    (74,479)   74,417
                                               ----------  ---------- ----------

Financing Activities
    Proceeds from borrowings                       5,705      45,530    34,700
    Repayment of borrowings                       (5,227)     (4,800)  (68,700)
    Policyholder contract deposits               162,590     110,611    97,345
    Withdrawals of policyholder
      contract deposits                          (82,228)   (106,387) (159,237)
    Change in other deposits                      (6,696)    (12,673)   (3,268)
    Cash dividends to stockholders               (12,957)    (12,991)  (12,037)
    Disposition (acquisition) of treasury
      stock, net                                  (1,148)         25    (2,411)
                                               ----------  ---------- ----------

    Net cash provided (used)                      60,039      19,315  (113,608)
                                               ----------  ---------- ----------

Decrease in cash                                  (1,103)     (7,532)   (1,190)
Cash at beginning of year                          9,815      17,347    18,537
                                               ----------  ---------- ----------

    Cash at end of year                            8,712       9,815    17,347
                                               ==========  ========== ==========`

The above condensed financial statement should be read in conjunction with the consolidated financial statements and notes thereto of
Kansas City Life Insurance Company.

Schedule III

KANSAS CITY LIFE INSURANCE COMPANY
                                                  SUPPLEMENTARY INSURANCE INFORMATION

`Future Policy
                                                       Benefits,
                                                       Contract
                                        Deferred      Values and                        Other
                                       Acquisition       Claim         Unearned     Policyholders'
                                         Costs        Liabilities      Premiums         Funds
                                      ------------- ---------------- -------------  --------------
                                                            (in thousands)
   December 31, 2002:
   KCL - Individual            $         120,110       1,935,628          384          107,653
   KCL - Group                                 -           6,533          329                -
   Sunset                                 50,775         403,521           70            8,912
   Old American                           75,401         260,681          338            4,056
                                      ------------- ---------------- -------------  --------------
                       Total   $         246,286       2,606,363        1,121          120,621
                                      ============= ================ =============  ==============

   December 31, 2001:
   KCL - Individual            $         120,175       1,844,473          405          114,451
   KCL - Group                                 -           6,980          103                -
   Sunset                                 50,895         379,685           77            9,422
   Old American                           72,536         259,862          355            5,075
                                      ------------- ---------------- -------------  --------------
                       Total   $         243,606       2,491,000          940          128,948
                                      ============= ================ =============  ==============

   December 31, 2000:
   KCL - Individual            $         125,259       1,833,620          319          131,958
   KCL - Group                                 -          10,935           25                -
   Sunset                                 48,040         373,006           99            9,508
   Old American                           71,661         257,696          367            7,273
                                      ------------- ---------------- -------------  --------------
                       Total   $         244,960       2,475,257          810          148,739
                                      ============= ================ =============  ==============

                                                                  Accident and
                                                     Insurance       Health
                                         Policy      Operating      Written
                                        Benefits     Expenses*      Premiums
                                       ------------ ------------- -------------
                                                   (in thousands)                      *Allocations
        2002:                                                                           Insurance Operating
        KCL -  Individual      $         160,114         54,154           284           Expenses are
        KCL - Group                       40,916         23,176        48,945           based on a number
        Sunset                            25,674          6,571            19           of assumptions
        Old American                      51,367         16,625         1,500           and estimates,
                                       ------------ ------------- -------------         and the results
                      Total    $         278,071        100,526        50,748           would change if
                                       ============ ============= =============         different methods
                                                                                        were applied.
        2001:
        KCL - Individual       $         154,175         49,703           298
        KCL - Group                       37,649         21,377        43,791
        Sunset                            32,172         28,900            21
        Old American                      51,649         16,759         1,725
                                       ------------ ------------- -------------
                      Total    $         275,645        116,739        45,835
                                       ============ ============= =============

        2000:
        KCL - Individual       $         156,768         52,567           335
        KCL - Group                       35,004         20,950        42,232
        Sunset                            32,387         10,167            26
        Old American                      52,682         17,051         2,029
                                       ------------ ------------- -------------
                      Total    $         276,841        100,735        44,622
                                       ============ ============= =============`

All other information  required by this Schedule is shown in the accompanying  Segment  Information Note to the Consolidated  Financial
Statements.

Schedule IV

KANSAS CITY LIFE INSURANCE COMPANY
                                                        REINSURANCE INFORMATION

`Life Insurance Premiums           Accident and Health Premiums
                        -----------------------           ----------------------------
                       2002       2001       2000          2002       2001       2000
                       ----       ----       ----          ----       ----       ----
                                               (in thousands)
Direct
KCL - Individual   $  32,864     35,862     24,951           318        344        379
KCL - Group           10,706      5,242     11,439        51,571     46,129     48,906
Sunset                 6,321      6,282      6,304            21         23         28
Old American          74,034     76,508     78,912         4,093      4,742      5,456
                    ---------------------------------   ---------------------------------
        Total        123,925    123,894    121,606        56,003     51,238     54,769
                    ---------------------------------   ---------------------------------

Ceded
KCL - Individual     (17,005)   (16,363)   (14,737)          (34)       (46)       (44)
KCL - Group           (2,370)    (2,386)    (2,277)       (2,841)    (2,375)    (6,674)
Sunset               (13,602)    (6,653)    (5,221)           (1)        (2)        (2)
Old American          (4,796)    (5,467)    (6,281)       (2,574)    (3,004)    (3,408)
                    ---------------------------------   ---------------------------------
        Total        (37,773)   (30,869)   (28,516)       (5,450)    (5,427)   (10,128)
                    ---------------------------------   ---------------------------------

Assumed
KCL - Individual       5,018      4,934      6,105             -          -          -
KCL - Group                -          -          -             1          -          -
Sunset                     -          -          -             -          -          -
Old American               -          -          -             -          -          -
                    ---------------------------------   ---------------------------------
        Total          5,018      4,934      6,105             1          -          -
                    ---------------------------------   ---------------------------------
Net                $  91,170     97,959     99,195        50,554     45,811     44,641
                    =================================   =================================

% of Assumed to Net        6          5          6             -          -          -


                                      Life Insurance In Force
                                      -----------------------
                                    2002        2001       2000
                                    ----        ----       ----
                                           (in millions)

              Direct
              KCL - Individual $  14,193      14,068     14,003
              KCL - Group          3,513       3,292      3,440
              Sunset               5,429       5,639      5,629
              Old American           998       1,020      1,048
                                 -----------------------------------
                    Total         24,133      24,019     24,120
                                 -----------------------------------

              Ceded
              KCL - Individual    (5,488)     (5,158)    (4,749)
              KCL - Group           (338)       (329)      (267)
              Sunset              (4,311)     (1,562)    (1,393)
              Old American           (87)        (95)      (105)
                                 -----------------------------------
                    Total        (10,224)     (7,144)    (6,514)
                                 -----------------------------------

              Assumed
              KCL - Individual     2,458       2,626      2,818
              KCL - Group              -           -          -
              Sunset                   -           -          -
              Old American             -           -          -
                                 -----------------------------------
                    Total          2,458       2,626      2,818
                                 -----------------------------------
              Net              $  16,367      19,501     20,424
                                 ===================================

              % of Assumed to Net     15          13         14`

All  other  information  required  by this  Schedule  is shown  in the  accompanying  Reinsurance  Note to the  Consolidated  Financial
Statements.

Schedule V

KANSAS CITY LIFE INSURANCE COMPANY
                                                   VALUATION AND QUALIFYING ACCOUNTS

`Years ended December 31

                                                               2002        2001        2000
                                                               ----        ----        ----

                                                                      (in thousands)
                   Real estate valuation account
                         Beginning of year               $        0         625       1,519
                         Deductions                               0        (625)       (894)
                                                            ------------------------------------
                         End of year                     $        0           0         625
                                                            ====================================


                   Mortgage loan valuation account
                         Beginning of year               $     4,030      4,030       7,000
                         Additions                               570          0           0
                         Deductions                                0          0      (2,970)
                                                            ------------------------------------
                         End of year                     $     4,600      4,030       4,030
                                                            ====================================


                   Allowance for uncollectible accounts
                         Beginning of year               $     1,583      1,583       1,555
                         Additions                                31        492         218
                         Deductions                              (37)      (492)       (190)
                                                            ------------------------------------
                         End of year                     $     1,577      1,583       1,583
                                                            ====================================`