----

| 1.   | Paragraph      3.1 is hereby amended to read in its entirety as  follows: |
|----------------|---------------------------------------------------------------------------|

| 2.   | Paragraph      3.4 is hereby amended to read in its entirety as  follows: |
|----------------|---------------------------------------------------------------------------|

|   | (1) | Retirement,      disability, termination of employment or death;  or |
|--------|-----|----------------------------------------------------------------------|

|   | (2) | Attainment      of age fifty-nine and one-half (59 ½);or |
|--------|-----|---------------------------------------------------------------|

|   | (3) | Termination      of the Plan without establishment of a successor Plan by the Company or an      affiliated employer; or |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Proven      financial hardship, subject to the limitations of Section    3.5. |
|--------|-----|-------------------------------------------------------------------------------|

| 3.   | Paragraph      15.33 is hereby amended to read in its entirety as  follows: |
|----------------|-----------------------------------------------------------------------------|

|   | (a) | "Eligible      rollover distribution" is any distribution of all or any portion of the      balance to the credit of the distributee.  However, an eligible      rollover distribution shall notinclude: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |   (i) | Any      distribution that is one of a series of substantially equal periodic      payments (not less frequently than annually) made for the life (or life      expectancy) of the distributee or the joint lives (or joint life      expectancies) of the distributee and the distributee's designated      beneficiary or for a specified period of ten (10) years or      more; |
|--------|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (ii)               Any distribution required under Code Section 401(a)(9);      or |
|--------|---------------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | Beginning      January 1, 1999, any hardship distribution described in Code Section      401(k)(2)(B)(i)(IV) received after December 31, 1998 and, beginning      January 1, 2002, any amount distributed on account of hardship;      or |
|--------|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (iv) | The      portion of any distribution that is not includable in gross income      (determined without regard to the exclusion for net unrealized      appreciation with respect to employer securities.  However,      beginning January 1, 2002, a portion of the distribution shall not fail to      be an eligible rollover distribution merely because the portion consists      of after tax employee contributions which are not includable in gross      income.  Such portion may be transferred only to an individual      retirement account described in Code Section 408(a) or an individual      retirement annuity described in Code Section 408(b) or to a qualified      trust described in Code Section 401(a) or to an annuity contract described      in Code Section 403(b) and such trust or contract provides for separate      accounting for amounts so transferred and earnings thereon, including      separately accounting for the portion of the distribution which is      includable in gross income and the portion of the distribution which is      not so includable. |
|--------|------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | "Eligible      retirement plan" is: |
|--------|-----|-------------------------------------|

|   |   (i) | An      individual retirement account (described in Code Section 408(a)) or      individual retirement annuity (described in Code Section 408(b));      or |
|--------|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (ii)               An annuity plan (described in Code Section 403(a));  or |
|--------|-------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | A      qualified trust (described in Code Section 401(a)) that accepts the      distributee's eligible rollover distribution.  However, in the      case of an eligible rollover distribution to a surviving spouse and,      beginning January 1, 2007, a non-spouse beneficiary, eligible retirement      plan shall mean only the items in (i)above. |
|--------|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (iv) | Beginning      January 1, 2002, an annuity contract described in Code Section 403(b) and      an eligible plan described in Code Section 457(b) which is maintained by a      state, political subdivision of a state, or any agency or instrumentality      of a state or political subdivision of a state and which agrees to      separately account for amounts transferred into such plan from this      Plan. |
|--------|------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (v) | Beginning      January 1, 2006, if any portion of an eligible rollover distribution is      attributable to payment or distributions from a designated Roth account as      defined in Code Section 402A, an eligible retirement plan with respect to      such portion shall include only another designated Roth account and an      IRA. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | "Distributee"      shall include an employee or former employee.  An employee's or      former employee's surviving spouse and the employee's or former employee's      spouse or former spouse who is an alternate payee under a qualified      domestic relations order (defined in Code Section 414(p)) are distributees      with regard to the interest of the spouse or former      spouse.  Beginning January 1, 2010, a “Distributee” shall also      include a designated beneficiary as defined by Code Section 401(a)(9)(E)      of the employee and who is not the surviving spouse of the      employee. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | "Direct      rollover" is a payment by the Plan to the eligible retirement plan      specified by the distributee. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------|

|   | The      value of a participant’s accounts in the Kansas City Life Stock Investment      option attributable to the participant’s elective contributions and the      Company’s matching contributions and profit sharing contributions may at      the option of the participant, be distributed in the form of Company stock      as provided in Paragraph 10.4.” |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

----

----

----

----

| 1.1   | Name.  The      Company hereby creates this Plan and Trust to be known as the "Kansas City      Life Insurance Company Savings and Profit Sharing Plan" (formerly the      Kansas City Life Insurance Company Savings and Investment Plan),      hereinafter sometimes referred to as the "Plan" or  "Trust". |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.2   | Purpose  It      is the purpose of this Plan to recognize the contributions of its      employees to the successful operation of the Company and to reward such      contributions by providing certain savings and investment and profit      sharing benefits for those who become participants under the Plan, and for      their beneficiaries. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.3   | Exclusive Benefit of Employees  This      Agreement has been made, and this Plan and Trust created, for the      exclusive benefit of the Company's employees and their      beneficiaries.  The terms of this Plan are intended to comply      with the provisions of Sections 401(a), 501(a) and 401(k) of the Internal      Revenue Code of 1986 as amended from time to time, and Treasury Department      Regulations in connection therewith in order that the Plan and Trust may      qualify for tax exemption.  Under no circumstances      shall any part of the principal or income of the Plan and Trust be used      for, or revert to, the Company, or be used for, or diverted to, any      purposes other than for the exclusive benefit of the employees and their      beneficiaries.  This Plan and Trust shall not be      construed, however, as giving any employee, or any other person, any      right, legal or equitable as against the Company, the Trustees, or the      principal or income of the Trust, except as specifically provided for      herein, nor shall it be construed as giving any employee the right to      remain with the Company or in the Company's  employment. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 2.1   | Qualification  The      requirements of qualification for employees are set forth      hereinafter. |
|-----------------|---------------------------------------------------------------------------------------------------------------|

| (a)   | Employees.  Beginning      February 1, 2002, each present and future employee shall be qualified to      enter into a compensation reduction agreement under Paragraph 3.1 at the      time specified in Paragraph 2.2 following the later of the employee’s date      of hire or attaining the age of twenty-one (21)  years. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   | Each      present and future employee shall be qualified to receive a matching      Company contribution as specified in Paragraph 4.1 and a discretionary      profit sharing contribution as specified in Paragraph 4.2 of this Plan      following the later of the employee’s date of hire or attaining the age of      twenty-one (21) years. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | With      respect to this Plan, |
|-----------------|---------------------------------|

| 1.   | Except      for periods of service that are disregarded as described in Paragraph 2.6,      an employee will receive credit for service for the aggregate of all time      periods (regardless of an employee’s actual hours of service) commencing      with the employee’s employment commencement date, or with the employee’s      reemployment commencement date, and ending on the date a break in service      begins. An employee’s employment commencement date or the employee’s      reemployment commencement date begins on the first day the employee      performs an hour of service following employment or      reemployment.  An employee who is reemployed will be credited      with service for any period of severance of less than twelve (12)      consecutive months.  Any fractional periods of service will be      expressed in days. |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | A      break in service is a period of severance of at least twelve (12)      consecutive months.  A period of severance is a continuous      period of time during which the employee is not employed by the      Company.  The continuous period begins on the date the employee      retires, quits, is discharged, or dies, or if earlier, the first twelve      (12) month anniversary of the date on which the employee is absent from      service for any other reason (including disability, vacation, leave of      absence, layoff, etc.)  In case of an employee who is absent      from work for maternity or paternity reasons, the twelve (12) consecutive      month period beginning on the first anniversary of the first date the      employee is otherwise absent from service does not constitute a break in      service. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 2.2   | Eligibility      Date.  Except as provided in the next sentence, any      employee of the Company who becomes qualified after the effective date of      this Agreement, shall be eligible to become a participant as of the day of      the employee's qualification.  Any employee of Old American      Insurance Company shall be eligible to become a participant no earlier      than November 1, 1992 and in accordance with the terms of the Adoption      Agreement dated December 19, 1991. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.3   | Enrollment      Communication.  The Company shall inform each new      employee when hired of the Plan and shall provide them with enrollment      information if eligible.  If not eligible on the date of      employment, the employee will be notified when the eligibility      requirements of Paragraph 2.1 areattained. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.4   | Election to Participate.  Except      as provided in Paragraph 4.2, any eligible employee who desires to become      a participant must complete the required enrollment      process.  After January 1, 2008, all eligible employees will be      automatically enrolled with a default rate of contribution of three      percent (3%).  During such enrollment process, the employee      shall agree to be bound by the terms of this Plan and Trust and of all      amendments hereafter adopted with the same force and effect as if the      employee had executed this Plan and Trust and shall set forth such      reasonable information as may be required to effect participation and      maintain the qualified status of this Plan and  Trust. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.5   | Failure to Elect.  Any      employee who fails to elect to become a participant at the time of first      becoming eligible or, after January 1, 2008, opts out of automatic      enrollment, may elect to commence participation on any other business day      of any month provided the employee shall then be  eligible. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.6   | Participation and Service on Reemployment.  Subject      to the provisions of this Plan, active participation in the Plan by an      employee shall cease upon termination of employment with the      Company.  Upon an employee's termination on or after January 1,      1976, any twelve (12) month employment period during which the employee      completes less than five hundred one (501) hours of employment or work due      to a termination shall constitute a one (1) year break in      service.  Beginning December 1, 2006, a break in service shall      be as defined in Paragraph 2.1. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Participation - before a break in service:  If      the employee is rehired before a one (1) year break in service, the      employee shall be eligible to participate in the plan as soon as      administratively feasible following the date of the employee’s      reemployment if otherwisequalified. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b)   | Service - for vested participants:  In      the case of a person who was vested when the prior period of employment      terminated, any service attributable to the prior period of employment      shall be reinstated as of the date of reparticipation and shall be vested      immediately upon the person’sreparticipation. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | Participation - before a      five (5) year break in service: If the employee is      rehired before the number of one (1) year breaks in service equals or      exceeds the greater of five (5) consecutive years of service or the      aggregate number of years of service earned before the consecutive breaks      in service, the employee shall be eligible to participate in the plan as      soon as administratively feasible immediately following the date of      reemployment if otherwise qualified.  This rule of parity will      apply to employees who had no vested interest on separation of      employment. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | Service - for vested participants:  In      the case of a person who was fully or partially vested in the Company      contribution account when the prior period of employment terminated, any      service attributable to prior period of employment shall be reinstated as      of the date of reemployment and the person shall participate immediately      and also be vested in accordance with prior years of    service. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 3.1   | Rate of Contribution.  Commencing      January 1, 1988, each participant may elect to enter into a compensation      reduction agreement with the Company by which a contribution will be made      for the participant’s respective account in an amount equivalent to one      percent (1%) (commencing September 1, 1993), two percent (2%), three      percent (3%), four percent (4%), five percent (5%), six percent (6%),      seven percent (7%), eight percent (8%), nine percent (9%), ten percent      (10%) and commencing January 1, 1998, eleven percent (11%), twelve percent      (12%), thirteen percent (13%), fourteen percent (14%) or fifteen percent      (15%) and commencing January 1, 2002, any percentage not to exceed one      hundred percent (100%) of the participant’s compensation as defined in      Section 3.2(a) provided however, that no contribution in excess of five      percent (5%) and commencing January 1, 1994, six percent (6%), shall be      made for any participant who shall be classified as a highly compensated      person. A participant may elect to change his or her contribution      percentage rate on any day of any month by giving such notice as shall be      prescribed by the Committee.  The contribution for each      participant shall be paid to the Trustees semi-monthly and credited to the      respective participant's accounts.  The contributions herein may      sometimes be referred to as the participant's      "elective account". |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 3.2   | Salary or Compensation Defined. |
|-----------------|------------------------------------------------|

|   | (a) | For      the purposes of Paragraph 3.1 herein and with respect to employees of the      Company, the term "salary" or "compensation", includes only the fixed      amounts, hourly, weekly, semi-monthly or monthly, due and payable to the      employees of the Company, not reduced by any salary reductions, but not to      exceed, commencing January 1, 2002, two hundred thousand dollars      ($200,000.00) for each calendar year and does not include any bonuses,      overtime, pay in lieu of vacation, pay while on layoff, severance pay or      other extraordinary payments by theCompany. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | The      two hundred thousand dollar ($200,000.00) amount shall be adjusted at the      same time and in such manner in accordance with Code Section      401(a)(17).  For all other purposes of this Plan, prior to      January 1, 2008 compensation shall be defined by the provisions of      Internal Revenue Code Regulation 1.415-2(d)(11)(i) and shall also include      any amount not includable in the gross income of an employee under Code      Sections 125, 132(f)(4), 402(e)(3), 402(h) and      403(b).  Beginning on January 1, 2008, compensation shall be      defined by the provisions of Internal Revenue Code Regulation      1.415(c)-2(d)(4), as modified by the default rules of Internal Revenue      Code Regulation 1.415(c)-2(e). |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | The      family aggregation rules of Section 414(q) of the Internal Revenue Code,      as modified by Section 401(a)(17), apply with respect to the requirement      that the Plan must limit the amount of contributions taken into account in      determining contributions.  That is, the Plan must treat the      following family unit as a single employee with one compensation to which      the annual compensation limit under the plan  applies: |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.3   | Suspension of Contributions.  A      participant may suspend his or her compensation reduction agreement on any      day of any month by giving such notice as shall be prescribed by the      Committee and no contribution |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 3.4   | Distribution Conditions.  The      balance in each participant's elective account shall be fully vested at      all times and shall not be subject to forfeiture for any      reason.  Amounts held in the participant's elective account may      not be distributable prior to the earlierof, |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Retirement,      disability, termination of employment or death;  or |
|--------|-----|----------------------------------------------------------------------|

|   | (2) | Attainment      of age fifty-nine and one-half (59 ½);or |
|--------|-----|---------------------------------------------------------------|

|   | (3) | Termination      of the Plan without establishment of a successor Plan by the Company or an      affiliated employer; or |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Proven      financial hardship, subject to the limitations of Section    3.5. |
|--------|-----|-------------------------------------------------------------------------------|

----

| 3.5   | Withdrawal, Financial Hardship.  A      participant may request a distribution due to financial      hardship.  Commencing January 1, 1988, such distribution shall      be limited solely to the participant's deferred compensation without      regard to any earnings on such deferred      compensation.  Withdrawal under this section shall only be      authorized in the event of financial hardship if the distribution is made      on account of an immediate and heavy financial need and it is necessary to      satisfy the financial need.  For purposes of this Paragraph, a      distribution will be deemed to be on account of an immediate and heavy      financial need if the distribution is for expenses for (or necessary to      obtain) medical care that would be deductible under IRC Section 213 (d)      (determined without regard to whether the expenses exceed 7.5% of adjusted      gross income); costs directly related to the purchase of a principal      residence for the participant (excluding mortgage payments); payment of      tuition, related educational fees and room and board expenses, for up to      the next twelve (12) months of post-secondary education for the      participant, or the participant’s spouse, children or dependents (as      defined in IRC Section 152 and for taxable years beginning on or after      January 1, 2005, without regard to IRC Section 152 (d)(1)(B)) payments      necessary to prevent the eviction of the participant from the      participant’s principal residence or foreclosure on the mortgage on that      residence; payments for burial or funeral expenses for the participant’s      deceased parent, spouse, children or dependents (as defined in IRC Section      152 and, for taxable years beginning on or after January 1, 2005, without      regard to IRC Section 152(d)(1)(B)); or expenses for the repair of damage      to the participant’s principal residence that would qualify for the      casualty deduction under IRC Section 165 (determined without regard to      whether the loss exceeds 10% of adjusted gross  income). |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.6   | Compensation Reduction Limitations.  To      ensure continued qualification of the Plan, a test sometimes referred to      as the "actual deferral percentage test" must be met for each Plan      year.  In order to meet the ADP test, it may be necessary to      adjust contributions made by the Company resulting from the compensation      reduction agreements entered into by certain of the      participants. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Any      distribution under this Paragraph shall as reasonably possible be made on      or before the fifteenth (15th) day of the third (3rd) month following the      end of the Plan year, but in no event later than the close of the      following Plan year, which in this case is a calendar year and shall be      determined in the following manner: |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |   (i) | The      dollar amount of excess contributions for each highly compensated      participant shall be calculated. |
|--------|-----------------|------------------------------------------------------------------------------------------------------------------|

|   |  (ii) | The      total of the dollar amounts in (i) shall be  determined. |
|--------|------------|-------------------------------------------------------------------|

|   | (iii) | The      contributions resulting from the compensation reduction agreement      ("elective contributions") of the highly compensated participant with the      highest dollar amount of elective contributions shall be reduced by the      amount required to cause that highly compensated participant's elective      contributions to equal the dollar amount of the elective contributions of      the highly compensated participant with the next highest dollar amount of      elective contributions.  This amount shall be distributed to the      highly compensated participant with the highest dollar      amount.  However, if a lesser reduction, when added to the      dollar amount already distributed under this (iii) would equal the total      excess contributions, the lesser reduction amount shall be      distributed. |
|--------|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (iv) | If      the total amount distributed is less than the total excess contributions,      reductions shall continue to be made in accordance with (iii) until the      total amount distributed equals the total excess      contributions. |
|--------|------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | For      purposes of this Paragraph, income means the gain or loss allocable to      excess contributions which shall equal the sum of the allocable gain or      loss for the Plan year and the allocable gain or loss for the period      between the end of the Plan year and the date of distribution (gap      period).  The income or loss allocable for the Plan year and the      gap period is calculated separately and is determined by multiplying the      income or loss for the Plan year and gap period by a      fraction.  The numerator of the fraction is the excess      contributions made by the employee for the Plan year and the denominator      is the total account balance of the employee attributable to elective      contributions as of the end of the Plan year, reduced by the gain      allocable to such total amount for the Plan year and increased by the loss      allocable to such total amount for the Plan year.  The income      allocable to excess contributions for the period between the end of the      Plan year and the date of distribution shall be calculated in the same      manner by substituting "gap period" for "Plan year" in the      fraction.  Effective |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.7   | Deferral Percentage Test. |
|-----------------|-------------------------------------|

|   | (a) | Maximum      annual allocation: Effective January 1, 1997, the actual deferral      percentage for eligible highly compensated employees for the Plan year      bears a relationship to the actual deferral percentage for all other      eligible employees for the preceding Plan year which meets either of the      following tests: |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | The      actual deferral percentage for the highly compensated participant group      shall not be more than the actual deferral percentage of the nonhighly      compensated participant group multiplied by 1.25,  or |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | The      excess of the actual deferral percentage for the highly compensated      participant group over the actual deferral percentage for the nonhighly      compensated participant group shall not be more than two (2) percentage      points or such lesser amount determined pursuant to regulations to prevent      the multiple use of this alternative limitation with respect to any highly      compensated participant.  Additionally, the actual deferral      percentage for the highly compensated participant group shall not exceed      the actual deferral percentage for the nonhighly compensated participant      group multiplied by two (2). |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | For      the purposes of this section, actual deferral percentage means, with      respect to the highly compensated participant group and nonhighly      compensated participant group for a Plan year the average of the ratio,      calculated separately for each participant in such group, of the amount of      contribution allocated to each participant's account resulting from      compensation reduction agreements, unreduced by distributions made      pursuant to Paragraph 3.5 for such Plan year, to such participant's      compensation for such Plan year.  In addition, for purposes of      this section, highly compensated participant and nonhighly compensated      participant shall include any employee eligible to enter into a      compensation reduction agreement whether or not such agreement was made or      suspended under the provisions of thisPlan. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c)   | In      the application of the tests referred to above, the Plan shall take      elective contributions into account for the Plan year only if attributable      to compensation that would be received by the participant during the Plan      year or earned during the Plan year and received within two and one-half      (2 and ½) months after the end of the Plan year.  Such      contribution shall be taken into account for a Plan year only if it is      allocated to the participant's account on a day within the Plan      year. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.8   | Actual Contribution Percentage (ACP) Test.  In      addition to the "actual deferred percentage test" referred to in Paragraph      3.6 above, the Plan must comply with the "actual contribution percentage      test" required by Section 401(m)(1) and (2) of the Internal Revenue      Code. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (a) | In      the event the actual contribution ratios of the Plan do not satisfy the      test, the Administrative Committee shall distribute any excess aggregate      contributions in a manner similar to that stated in Paragraph 3.6(a).      However, if the highly compensated participant is not fully vested in the      matching Company contribution and income allocable to such contribution,      the non-vested amounts shall be forfeited pursuant to ARTICLE X and      applied pursuant to ARTICLE XI. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | For      purposes of this Paragraph, income means the income or loss allocable to      excess aggregate contributions which shall equal the sum of the allocable      gain or loss for the Plan year and the allocable gain or loss for the      period between the end of the Plan year and the date of distribution (gap      period).  The income or loss allocable to excess aggregate      contributions for the Plan year and gap period is calculated separately by      multiplying the income or loss allocable to matching contributions by a      fraction.  The numerator of the fraction is the amount of excess      aggregate contributions made on behalf of the employee for the Plan year      or gap period.  The denominator is the total account balance of      the employee attributable to matching contributions as of the end of the      Plan year or gap period reduced by the gain allocable to such total amount      for the Plan year or gap period and increased by the loss allocable to      such total amount for the Plan year or gap period.  Effective      January 1, 2008, gap period income will not be included in ACP test      corrections. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | All      such distributions shall as reasonably possible be made on or before the      fifteenth (15th) day of the third (3rd) month following the end of the      Plan year in which the excess aggregate contributions were made and no      later than the end of the following Planyear. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | Any      distribution or forfeiture of excess aggregate contributions for any Plan      year shall be made on the basis of the respective portions of such amounts      attributable to each highly compensatedperson. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | Matching      contributions that are vested may not be forfeited to correct excess      aggregate contributions. |
|--------|-----|------------------------------------------------------------------------------------------------------------------|

| 3.9   | Combined Deferral Plans.  For      the purposes of this Plan, a highly compensated participant and nonhighly      compensated participant shall include any employee eligible to participate      in this Plan whether or not such participation was elected or any eligible      employee whose participation has been suspended pursuant to Paragraphs 3.3      or 3.5. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 3.10   | Rollover      Contributions. |
|------------------|------------------------------|

|   | (a) | Rollover      of distribution from qualified plan.  Effective January 1, 1998,      an employee of the Company may, in accordance with procedures approved by      the Administrative Committee, contribute to the Plan, as a rollover      contribution, part or all of a cash distribution or cash proceeds from a      sale of property included in a distribution, that qualifies as an      "eligible rollover distribution", within the meaning of Code Section      402(c)(4) [excluding, beginning January 1, 2002, any after tax employee      contributions], from a plan qualified under Code Section 401(a) in which      the employee was a participant, provided, however, that such amount shall      be paid to the Trustees on or before the sixtieth (60th) day after receipt      by the employee of the distribution from the other qualified      plan.  An employee shall be entitled to make such a rollover      contribution regardless of whether the employee has satisfied the      qualification requirements of Paragraph2.1. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | Accounting      for and distribution of contributions.  All amounts received as      rollover contributions pursuant to Paragraph A of this section shall be      credited to a separate rollover account.  They shall be invested      in the same way that contributions under Paragraph 3.1 are invested and      they shall be subject to the same rules as apply to contributions under      Paragraph 3.1 relating to withdrawal and      distributions.  Rollover contributions shall be one hundred      percent (100%) vested at all times. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Rollover      contributions shall not be treated as annual additions for purposes of      Code Section 415; and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------|

|   | (2) | Rollover      contributions shall not be taken into account for purposes of either the      actual deferral percentage test of Code Section 401(k)(3) or the average      compensation percentage test of Code Section  401(m)(3). |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.1   | Rate of Matching      Company Contribution.  The Company shall, with respect to      each participant qualified under Paragraph 2.1 contribute to the Trustees      semi-monthly, out of its current or accumulated earnings and profits as      shown on the books used in preparing its annual reports, without regard to      whether it has any current or accumulated earnings and profits for federal      income tax purposes, a matching amount determined as    follows: |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | For      employees for whom compensation reduction agreements were in effect on      December 31, 1997, and |
|--------|-----|-------------------------------------------------------------------------------------------------------------|

| (b)   |              For employees hired by the Company in 1997 or earlier who are not eligible      to make compensation reduction agreements as of December 31, 1997 but who      choose to make compensation reduction agreements when they first become      eligible to participate, the Company shall match the participant's      compensation reduction $1.00 |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | For      all other employees, the matching amount contributed by the Company shall      vary depending on the employee's years of employment, as      follows: |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 4.2   | Discretionary Profit      Sharing Contribution.  Beginning with the Plan year      ending December 31, 1998 and for each Plan year thereafter, the Company      may, at its discretion, make a contribution to the Plan on behalf of each      employee of the Company eligible under Paragraph 2.1 to participate in the      Plan who is employed on the last day of the Plan year based on profits      regardless of whether the employee has elected to make compensation      reduction contributions. Prior to July 1, 2009, the profit sharing      contribution shall be in the form specified in Paragraph 4.3 and shall be      accounted for in the Kansas City Life Stock Investment      option.  The profit sharing contribution shall be allocated to      each employee in the proportion that each employee's compensation (as      defined in Paragraph 3.2) for the Plan year bears to the total      compensation for all employees for the Plan year, but shall not exceed      four percent (4%) of each employee's compensation for the Plan      year. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.3   | Form of Payment.  Beginning      July 1, 2009, the contributions of Kansas City Life Insurance Company      shall be made in cash.  Until on or about September 1, 2009, the      Trustees shall use such cash to purchase shares on Kansas City Life      Insurance Company stock on the open market.  Beginning on or      about September 1, 2009, participants shall direct investment of      contributions of Kansas City Life Insurance Company as provided in      Paragraph 6.3. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 5.1   | Investment of Funds.  Contributions      to the Trust shall be invested in accordance with the authority granted to      the Trustees pursuant to the provisions of this Plan and      Trust.  Prior to July 1, 2009, it is contemplated that the      contribution made by the Company from time to time be in the form of      shares of the Company stock.  Cash contributions to the Trust,      whether by the Company or the participant, may be used for the purchase of      Company stock. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.2   | Voting of Shares.  The      Trustees shall vote the shares of stock of the Company for the respective      accounts of the participants only in accordance with the directions of      such participants, which directions may be certified to the Trustees by      the Committee, or any agent designated thereby, provided such directions      are received by the Trustees at least five (5) days before the date set      for the meeting at which such shares are to be voted.  Shares      with respect to which no such direction shall be received and the      fractional shares shall be voted by the Trustees in the same proportions      as are shares as to which voting instructions have been      received. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.3   | Tender Offer.  Notwithstanding      any language in this Plan to the contrary, if the common capital stock of      Kansas City Life Insurance Company shall become the subject of a tender      offer, the Trustees may not take any action in response to such tender      offer except as otherwise providedherein. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 6.1   | Investment      Funds.  The value of all Trust assets shall be determined      on the basis of market values.  Beginning December 1, 2006, the      Kansas City Life stock shall be valued at the volume weighted average      price for all business days in the calendar month just      ended.  Beginning March 30, 2007, such stock shall be valued      using the last trade of the day price for each business day of the      month.  Beginning July 1, 2009, any purchase or sale of such      stock from a participant account shall be valued using the price at which      stock was bought or sold by the Trust on the open market to execute the      purchase or sale.  Accounting procedures shall reflect the      establishment of investment options with the intent that all participants'      contributions, Company matchingcontributions, |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 6.2   | Participants' Accounts.  An      account shall be established for each participant’s balance within the      Plan, and shall reflect the investment options applicable to such      participant.  All investment options shall be maintained in      United States dollars.  A determination shall be made each      business day of a calendar month on which the New York Stock Exchange is      open for business of the value with respect to each of the investment      options and shall reflect contributions made by both the participant and      the Company and any gains or losses of the investment      options.  Each participant shall be provided a statement of his      or her account, reflecting the value thereof, not less often than      quarterly.  Notwithstanding the foregoing, the Company shall      have the right to change the method of accounting from time to time except      that no participant's account balances shall be reduced because of such      change. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.3   | Selected Investments.  Beginning      on or about September 1, 2009, each participant shall have the right to      require the Trustees to invest all or a portion of the participant's      contribution and Company matching and profit sharing contributions in any      of the investment options.  Prior to on or about September 1,      2009, each participant shall have the right to require the Trustees to      invest all or a portion of the participant’s contribution in any of the      investment options.  The participant shall initially indicate      choice at the time the participant commences participation, in accordance      with the requirements of the Committee and may subsequently request      changes in accordance with the provisions of Paragraph 6.4      herein. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 6.4   | Investment Changes.  Any      participant shall have the right to require daily that the value of any      one (1) or more of the participant’s accounts in the investment options be      transferred for investment for the participant’s account in any other of      the investment options.  Such transfers may be made in whole or      partial percentages or in dollars and cents and shall be governed by      reasonable rules of the Administrative Committee regarding the timeliness      of notice and subject to the rules of Section  6.3. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1    | 33% |
|---------------------|-----|

|         2   |                             66% |
|---------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------|

| 3   |                           100% |
|---------------|------------------------------------------------------------------------------------------------------------------------------------|

----

| 6.5   | Investment in Kansas      City Life Stock Investment Option  The portion of a      participant's account that is allocated to the Kansas City Life Stock      Investment option pursuant to Paragraph 6.3 herein shall be invested in      shares of the Company stock subject to the limitations      herein.  Such shares shall be purchased by the Trustees, acting      independently as to when purchases are made, the number of shares to be      purchased, the prices to be paid, and the broker, if any employed to      effect the purchases; provided however, that during any period during      which the Company or the Trustees are precluded from making purchases of      Kansas City Life Insurance Company shares by law or at any other time the      Trustees may elect and the Company shall agree, if permitted by law, the      Trustees may purchase shares of the Company's treasury stock or shares of      its authorized but unissued stock.  Such stock shall be valued      in accordance with Paragraph 4.3 herein.  In the event the      Company does not agree to sell its treasury stock or authorized but      unissued stock, and if the Trustees are precluded from buying or are      unable to buy such stock on the market, the Trustees shall invest such      contributions until such time as shares of the Company stock shall be      available for purchase by theTrustees. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.6   | Dividend Reinvestment.  Dividends      and any other distributions received by the Trustees with respect to the      investments allocated to the Kansas City Life Stock Investment option      shall be invested in shares of the Company stock subject to the provisions      of Paragraphs 4.3 and 6.5 herein. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.1   | Fiduciaries.  The      fiduciaries shall have only those specific powers, duties,      responsibilities and obligations as are specifically given them under this      Plan.  The Company shall have the sole responsibility for making      the contributions required by the provisions of ARTICLE IV, shall have the      sole authority to appoint and remove the Trustees, members of the      Administrative Committee and to amend or terminate, in whole or in part,      this Plan and Trust. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.2   | Administration.  The      Administrative Committee shall have the sole responsibility for the      administration of this Plan, which responsibility is specifically      described in ARTICLE XII herein. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.3   | Trustees.  The      Trustees shall have the sole responsibility for the administration and      management of the assets held pursuant to this Plan and Trust, all as      specifically provided forherein. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 7.4 | Duties.  Each      fiduciary warrants that any direction given, information furnished, or      action taken by it shall be in accordance with the provisions of the Plan      and Trust, authorizing or providing for such direction, information, or      action.  Furthermore, each fiduciary may rely upon any such      direction, information, or action of another fiduciary as being proper      under this Plan, and is not required herein to inquire into the propriety      of any such direction, information, or action.  It is intended      under this Plan that each fiduciary shall be responsible for the proper      exercise of its own powers, duties, responsibilities, and obligations      pursuant to the Plan and shall not be responsible for any act or failure      to act of another fiduciary.  No fiduciary guarantees the Trust      fund in any manner against investment loss or depreciation in asset      value. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.1   | Vesting of Company Contributions.  Commencing      January 1, 1988, the value of a participant's account with respect to      Company contributions made for the participant’s benefit shall be vested,      to the extent of the percentage applicable, upon the valuation date of the      month in which the participant completes the years of employment with the      Company in accordance with the following  schedule: |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 8.2   | Vesting of Company      Contributions upon Termination of Plan.  Notwithstanding      any other provision hereof, the full value of a participant's account,      including not only his or her own contributions and the earnings thereon,      but also the contributions of the Company and any earnings thereon, shall      be fully vested in the participant when and if the Plan shall at any time      be terminated for any reason, or upon the complete discontinuance of      Company contributions hereunder, or upon termination of employment of a      group of participants constituting a partial termination of the      Plan. |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 9.1   | Optional Withdrawals.  A      participant may elect to withdraw at any time all or any part of the value      of the participant’s accounts in the investment options attributable to      the participant's rollover contributions made pursuant to Paragraph      3.10.  No in-service withdrawal of any part of Company matching      contributions and Company profit sharing contributions allocated to the      participant’s account shall be permitted except as provided in Paragraph      9.2.  Withdrawals pursuant to this Paragraph maynot be made by      an individual who is an alternate payee under a Qualified Domestic      Relations Order and for whom an account is being separately      maintained.  No amounts attributable to the Company's profit      sharing contributions may be withdrawn under this ARTICLE    IX. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.2   | Withdrawals for Financial Need.  Commencing      January 1, 1988, no withdrawal of funds for financial need shall be made      except as permitted pursuant to Paragraph 3.5  herein. |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.3   | Time and Method of Payment.  All      payments under this ARTICLE shall be made as soon as practicable after the      request for a withdrawal pursuant to Paragraph 9.1, or Paragraph 3.5, and      shall be paid either in cash or in shares of Kansas City Life Insurance      Company stock pursuant to this Plan.  The investment options      shall reflect the value of any withdrawal pursuant to the provisions of      this ARTICLE IX. |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.4   | Elective Account Loans.  Commencing      January 1, 1988, a participant may request a loan to be made from his or      her elective account or accounts in the investment options under such      conditions and terms as stated in the Loan Policy approved from time to      time by the Administrative Committee.  Any loan made pursuant to      this Paragraph, when added to the outstanding balance of all other loans      made to the participant, shall be limited to the lesser  of: |
|-----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Fifty      thousand dollars ($50,000.00) reduced by the excess of the highest      outstanding balance of loans to the participant during the twelve (12)      month period ending on the day before the date on which such loan is made,      over the outstanding balance of loans to the participant on the date on      which such loan is made, or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   |              One-half (½) of the value of the participant's elective accounts as of the      date on which the loan iscalculated. |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.1   | Distribution of Full Value of Accounts.  A      participant shall be entitled to the full value of all of his or her      accounts in all investment options upon his or her termination of      employment by reason of death, retirement or disability, in which event      such accounts of such participant shall be fully vested in      participant. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.2   | Termination.  If      prior to the termination of the Plan or the complete discontinuance of      Company contributions hereunder, in either of which event a participant's      accounts in all investment options shall be fully vested, an employee      participant's termination of employment occurs for any reason other than      one of the events specified in Paragraph 10.1, and if such employee shall      not thereafter be employed by any affiliated corporation of the Company,      such participant shall then be entitled to receive (i) one hundred percent      (100%) vested interest in the full value of his or her account in the      investment options attributable to the participant’s own contributions and      (ii) that percentage of vested interest in the value of his or her account      attributable to Company matching contributions and profit sharing      contributions as determined by Paragraph 8.1  herein. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 10.3   | Method of Distribution.  The      default form of distribution shall be a lump sum payment.  If      the payment is made as a result of the death of the participant, the      payment shall be made to the surviving spouse of the participant, if any,      unless the participant and the spouse have requested a distribution to any      other beneficiary. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.4   | Commencement of Distribution.  All      distributions shall be made or commenced to be made as soon as practicable      following the occurrence of one of the distribution events described in      this ARTICLE X.  Alternatively, the participant may choose not      to withdraw any of his or her vested accounts in the investment options      when one of the distribution events occurs and later elect to have the      distribution made.  Prior to on or about September 1, 2009, (1)      only a full and complete distribution of the vested accounts will be      allowed whether the participant withdraws his or her vested accounts at      the time a distribution event occurs or at some later date, and (2) no      partial withdrawals shall be permitted.  Beginning on or about      September 1, 2009, a participant who meets the requirements of this      ARTICLE X may elect a distribution of a portion of his or her vested      accounts, subject to reasonable administrative restrictions established by      the Company.  Notwithstanding, no distribution of five thousand      dollars ($5,000.00) or more shall be made to a participant unless the      participant shall have consented in writing to such distribution, all in      accordance with the provisions of Internal Revenue Code Section 411 and      related regulations.  Beginning January 1, 2002, with respect to      participants separating from service and distributions after that date,      the value of a participant’s vested accounts shall be determined without      regard to that portion of the vested account that is attributable to      rollover contributions (and any earnings allocable thereto) within the      meaning of Code Section 402(c).  If the value of the      participant’s vested accounts, including rollover contributions (and any      earnings attributable thereto) as so determined is one thousand dollars      ($1,000.00) or less, the Plan shall immediately distribute the      participant’s entire vested accountbalance. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 10.5   | Valuation.  The      value of a participant's accounts in the investment options for      distribution purposes shall be based on the liquidation price on the date      such distribution is processed. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.6   | Facility of Payment.  If      the Committee shall receive evidence satisfactory to it that a      participant, retired participant or beneficiary is physically or mentally      incompetent to receive any payment which shall be due hereunder and to      give a valid release therefore and that another person or an institution      is then maintaining or has custody of such participant, retired      participant, or beneficiary and that no guardian, committee or other      representative of the estate of such participant, retired participant or      beneficiary, shall have been duly appointed, the Committee may, at its      option, make payments otherwise payable to such participant, retired      participant or beneficiary, to such other person or institution and the      release of such other person or institution shall be valid and complete      discharge for such payments. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.7   | Beneficial Designation.  Any      participant or retired participant shall have the right to designate a new      beneficiary at any time by filing a request for such change, but any such      change shall become effective only upon receipt of such request, in the      case of, an online request receipt is immediate.  And provided      that any change of beneficiary to a person other than a surviving spouse      must be consented to in writing by said participant's      spouse.  Upon receipt of such request the change shall relate      back to and take effect as of the date such participant makes such request      whether or not such participant is living at the time such request is      received. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.8   | Fractional Shares.  With      respect to any distribution of stock pursuant to the provisions of this      Plan, a participant shall be entitled to receive the number of whole      shares which the value of his or her account equals and the balance of      said account value in cash. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 11.1   | Any      of the assets attributable to Company matching and profit sharing      contributions which shall be forfeited by a participant with respect to      his or her account attributable to matching Company contributions and      profit sharing contributions pursuant to the provisions of Paragraph 10.2      herein, shall be used to reduce the amount of Company contributions      required by this Plan. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.1   | Membership.  The      Administrative Committee, sometimes herein referred to as the "Committee",      shall consist of a number of persons, not less than three (3) nor more      than five (5), designated by the Executive Committee of the Company, who      shall serve terms of one (1) year or until their successors are designated      and said Committee shall have the responsibility for the general      administration of the Plan and for carrying out the provisions of the Plan      in accordance with its terms.  The Committee shall have absolute      discretion in carrying out itsresponsibilities. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.2   | The      Committee may appoint from its members such committees with such powers as      it shall determine; may authorize one (1) or more of its number or any      agent to execute or deliver any instrument or make any payment on its      behalf; and may utilize counsel, employ agents and provide for such      clerical and accounting services as it may require in carrying out the      provisions of the Plan. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.3   | The      Committee shall hold meetings upon such notice, at such place or places      and at such time or times as it may from time to time      determine. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.4   | The      action of a majority of the members expressed from time to time by a vote      in a meeting or in writing without a meeting shall constitute the action      of the Committee and shall have the same effect for all purposes as if      assented to by all members of the Committee at the time in      office. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.5   | No      member of the Committee shall receive any compensation for his or her      services as such and, except as required by law, no bond or other security      shall be required in such capacity in any  jurisdiction. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.6   | Subject      to the limitations of this Plan and Trust, the Committee from time to time      shall establish rules or regulations for the administration of the Plan      and the transaction of its business. The Committee shall have full and      complete discretionary authority to construe and interpret the Plan and      decide any and all matters arising hereunder, except such      matters |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 12.7   | Claims Procedure.  The      Administrative Committee shall have full and complete discretionary      authority to make all determinations as to the right of any person to a      benefit.  Any denial by the Committee of a claim for benefits      under this Plan by a participant or a beneficiary shall be stated in      writing by the Committee and delivered or mailed to the participant or the      beneficiary, whichever is appropriate; and such notice shall set forth the      specific reason for the denial, written to the best of the Committee's      ability in a manner that may be understood without legal or actuarial      counsel.  In addition, the Committee shall provide a reasonable      opportunity to any participant or beneficiary whose claim for benefits has      been denied for a review of the decision denying the  claim. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.8   | Any      member of the Committee may resign by giving notice to the Executive      Committee at least fifteen (15) days before the effective date of      resignation.  Any Committee member shall resign upon request of      the Executive Committee.  The Executive Committee shall fill all      vacancies on the Committee as soon as is reasonably possible after a      resignation takes place, and until a new appointment takes place, the      remaining members of the Committee shall have authority to act, if      approved by either a majority of the remaining members or by two (2)      members, whichever number islesser. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.1   | Amendment.  Kansas      City Life Insurance Company reserves the right at any time, and from time      to time, and retroactively if deemed necessary or appropriate to conform      with governmental regulations or other policies, to modify or amend, in      whole or in part, any or all of the provisions of this Plan and Trust by      adoption of a written resolution by the Board of Directors of Kansas City      Life Insurance Company, or the Executive Committee of the Board of      Directors; provided that no such modification or amendment shall make it      possible for any part of the contributions of the Company, or any other      funds of the Trust, to be used for, or diverted to, purposes other than      for the exclusive benefit of participants, retired participants or their      beneficiaries.  Except as may be required to conform with      governmental regulations, no such amendment shall adversely affect the      rights of any participant with respect to contributions made prior to the      date of such amendment. |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 13.2 | Termination.  This      Plan and Trust is purely voluntary on the part of the Company and Kansas      City Life Insurance Company reserves the right to terminate the Plan and      the Trust provided herein by adoption of a written resolution by the Board      of Directors of Kansas City Life Insurance Company or the Executive      Committee of the Board of Directors.  Upon termination of or      upon the complete discontinuance of contributions within the meaning of      Section 411(d)(3) of the Internal Revenue Code, participant's accounts      shall become fully vested and nonforfeitable and distribution shall be      made as promptly as possible in accordance with the directions of the      Committee. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.3 | Merger.  This      Plan and Trust shall not be merged or consolidated with, nor shall any      assets or liabilities be transferred to any other Plan or Trust, unless      the accrued benefit of each participant, if the Plan and Trust were      terminated immediately after such action, would be equal to or greater      than the accrued benefit to which such participant would have been      entitled if this Plan and Trust had been terminated immediately before      such action. |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.1   | Number of Trustees.  There      shall be three (3) Trustees for this Trust with the Trustees hereinbefore      named being the original SuccessorTrustees. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.2   | Trustees shall Receive Sums Paid.  The      Trustees shall accept and receive all sums of money paid to them from time      to time by the Company and shall hold, invest, reinvest, manage and      administer such monies and the increment, increase, earnings and income      thereof as a Trust for the exclusive benefit of the employees and agents      participating in the Plan and their beneficiaries.  All income      and earnings of the Trust shall be accumulated by the Trustees and by them      held, invested and reinvested as a part of the principal of the said      Trust. |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.3   | Investment of Funds. |
|------------------|--------------------------------|

|   | (a) | Except      as hereinafter provided with respect to the cash reserve, the Trustees      shall invest and reinvest the principal and income of the Trust in their      discretion in such securities, common and preferred stocks, real estate      mortgages, debentures, bonds, promissory notes, real estate, real estate      improvements, leaseholds or any other income-producing properties or      securities, real or personal, within or without the State of Missouri and      other investments as the Trustees shall, after investigation, believe to      be sound and suitable investments for this Trust, although the same may      not be of the character permitted for Trustee's investments by the Laws of      the State of Missouri.  The Trustees are specifically empowered      to invest the Trust assets inthe |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | The      Trustees may retain in cash so much of the Trust assets as they may deem      advisable. |
|--------|-----|---------------------------------------------------------------------------------------------------|

|   | (c) | The      Trustees may sell property held by the Trust at either public or private      sale, for cash or on credit, at such times as they may deem appropriate;      they may exchange such property and they may grant options for the      purchase or exchange thereof. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | The      Trustees may consent to and participate in any plan of reorganization,      consolidation, merger, extension or other similar plan affecting property      held by the Trust; they may consent to any contract, lease, mortgage,      purchase, sale or other action by any corporation pursuant to any such      plan; they may accept and retain property issued under any such plan, even      though it would not be eligible as a new investment under the provisions      of this Section. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | The      Trustees may deposit property held in the Trust with any protective,      reorganization or similar committee and may delegate discretionary power      thereto to pay its reasonable share of such committee's expenses and      compensation and any assessments levied with respect to any property so      deposited. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (f) | The      Trustees may exercise all conversion and subscription rights pertaining to      property held in the Trust. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------|

|   | (g) | The      Trustees may exercise all voting rights with respect to property held in      the Trust and in connection therewith grant proxies discretionary or      otherwise, all in accordance with the provisions of this Plan and      Trust. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (h) | The      Trustees may cause securities and other property to be registered and held      in their names, the name of any one (1) of them or in the name of their      nominee. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | The      Trustees may borrow money for the purposes of the Trust and pledge or      mortgage securities or other assets owned by the Trust as security for the      payment thereof. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (j) | The      Trustees may compromise, compound and settle any debt or obligation due to      or from them as Trustee; they may reduce the rate of interest on any      obligation due them as Trustee; they may extend the time of payment of      both interest and principal or otherwise modify the terms of any      obligation due them as Trustee; upon default of any obligation due them as      Trustee, they may foreclose or otherwise enforce any obligation belonging      to the Trust. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (k) | The      Trustees may generally do all such acts, execute all such instruments,      take all such proceedings and exercise all such rights and privileges with      relation to property |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | belonging      to the Trust as if the Trustees were the absolute owners      thereof. |
|--------|---------------------------------------------------------------------------------------|

| 14.4   | Approval of Investments.  Before      making any new investment or reinvestment of any funds of this Trust, the      Trustees shall submit to the Executive Committee of the Company or its      designated subcommittee, a list of such securities in which it proposes to      invest such funds and the amount proposed to be invested in each security      and the Trustees shall proceed to purchase or refrain from purchasing,      such securities in accordance with the acceptance or rejection, in whole      or in part, of such proposals by the Executive Committee of the Company or      its designated subcommittee.  Acceptance or rejection of such      proposals or any of them by the said Committee, shall be signified in      writing and delivered to the Trustees within thirty (30) days of the      submission of such proposals by the Trustees, provided however, that if no      written acceptance or rejection of such proposals or any of them, shall be      so delivered by the said Committee within the time herein limited      therefore, the Trustees shall be warranted and protected in assuming that      all of the proposed investments which have not been specifically rejected      as aforesaid, meet with the complete approval of said Executive Committee      or its designated subcommittee. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.5   | Cash Reserve.  The      Trustees may maintain a cash reserve in such amount as to provide for      current distribution of benefits under the Plan.  Such cash      reserve may consist of uninvested contributions of the Company and      participants in the Plan or of the proceeds of the sale of investments of      the Trust.  All of the funds held in such cash reserve as well      as all funds and securities and assets belonging to the Trust shall be      safely kept by the Trustees on deposit in a bank or trust Company selected      and designated by the Board of Directors or the Executive Committee of the      Company. |
|------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.6   | Disbursement of Funds.  Disbursement      of the funds of this Trust shall be made by the Trustees only to or for      the benefit of the participants in the Plan or their beneficiaries and      only at the time, in the amount and in the manner prescribed in written      instructions of the Administrative Committee delivered by such Committee      to the Trustees.  The Trustees are empowered to sell securities      belonging to the Trust to meet said disbursements when the cash reserve is      sufficient. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.7   | Instructions to Trustees.  The      Trustees shall not be obligated or required to determine whether any      instructions issued to them by the Administrative Committee are in fact so      issued in accordance with the terms of the Plan or the powers and duties      thereunder of said Committee. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.8   | Fiduciary Insurance.  The      Trustees or the Administrative Committee shall have the right to purchase      insurance on behalf of themselves or anyone acting in a fiduciary capacity      with respect to the Plan and Trust, to cover liability or losses occurring      by reason of the act or omission of a fiduciary, if such insurance permits      recourse by the insurer against the fiduciary in the case of a breach of a      fiduciary obligation by suchfiduciary. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 14.9   | Accounting by Trustees.  Each      year the Trustees shall render to the Company an account of their      administration of the Trust for the year ending on the preceding 31st of      December.  The written approval of said account by the Board of      Directors or the Executive Committee of the Company shall, as to all      matters and transactions stated therein or shown thereby, be final and      binding upon all persons who are then or who may thereafter become      interested in this Plan and Trust. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.10   | Compensation.  No      Trustee shall receive any compensation for his or her services as such      Trustee.  In the administration of said Trust the Trustees, if      they deem it advisable, may employ an executive director, secretary or      treasurer and fix reasonable compensation therefore and a Trustee may act      as such executive director, secretary or treasurer and receive the      compensation so fixed.  The Trustees may in their discretion      employ clerical help, actuaries, accountants, attorneys or other necessary      personal services of a person or corporation as may be necessary to      properly administer, defend and protect the Trust and reasonable      compensation for said services may be paid by the Trustees from the Trust      in the event the Company does not elect to pay for such      services.  Any taxes that may be levied against said Trust shall      be paid by the Trustees from the Trust assets after liability for said      taxes, if any, has been established and in determining the liability for      taxes the Trustees are specifically authorized to use their own discretion      in contesting taxes claimed to be due against said Trust and said Trustees      may employ counsel for such purposes and pay said counsel fees from the      Trust assets in the event the Company does not elect to pay said costs and      fees. |
|-------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.11   | Trustees and Vacancies.  The      Trustees administering this Trust shall at all times be Officers of the      Company and any Trustee may at any time be removed from the office of      Trustee, with or without cause, by the Board of Directors or the Executive      Committee of the Company.  The Trustees named herein shall serve      as such Trustees until their resignation, death or removal by the Board of      Directors or the Executive Committee of the Company.  When any      Trustee ceases to be an Officer of the Company the Trustee automatically      ceases to be a Trustee.  Resignation of a Trustee shall be by      written notice given to the Board of Directors or the Executive Committee      of the Company.  Whenever a vacancy occurs by resignation, death      or removal of one (1) or more of the Trustees, the Board of Directors or      the Executive Committee shall promptly fill said vacancy or vacancies so      created by naming a successor Trustee or successor Trustees possessing the      qualifications herein prescribed.  All successor Trustees shall      have the same powers in connection with said Trust as the initial Trustees      have and they shall be subject to the same limitations and directions as      prescribed herein for the initialTrustees. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.12   | Rules.  The      Trustees may make proper rules for carrying out the purposes of the Trust      and may amend said rules from time to time.  A majority of the      Trustees shall constitute a quorum and the action taken by a quorum shall      be controlling and shall be deemed the act of the Trustees.  The      Trustees may designate any one (1) of their number to act as chairman or      presiding officer.  Any one (1) of the Trustees shall be and is      hereby authorized to affix his or her signature as the signature of all of      the Trustees when such may be desirable in the performance of their duties      pursuant hereto.  This Plan and Trust shall be construed and      enforced according to the Laws of the State of Missouri and all provisions      thereof shall be administered according to the laws of such      state.  Any suit at law or in equity brought against the      Trustees or the Company by any person, firm or corporation, including the      participants in the Plan, must be first instituted in Jackson County,      Missouri, which County and State is the situs of the parties hereto and      the only jurisdiction within which this Plan and Trust is to be      administered or located. |
|-------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.1   | Expenses.  The      Company may pay some or all expenses incurred in administering the Plan      and managing the Trust assets. Fees for participant loans or to qualify a      domestic relations order will be paid from the applicable participant’s      account in the investment options.  The Company shall not pay      any brokerage fees, commissions, stock transfer taxes and other charges      and expenses in connection with the purchase and sale of securities under      the Plan. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.2   | Source of Payment.  Benefits      pursuant to the Plan shall be payable only out of the assets of the      Trust.  No person shall have any right under the Plan with      respect to the assets of the Trust or against any Trustee, insurance      company or the Company, except as specifically provided for      herein. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.3   | Inalienability of Benefits.  The      interest hereunder of any participant, retired participant or beneficiary,      except as may be required by a Qualified Domestic Relations Order defined      in Section 414(p) of the Internal Revenue Code or as otherwise provided in      Section 401(a)(13) of the Internal Revenue Code, shall not be alienable,      either by assignment or by any other method and to the maximum extent      permissible by law, shall not be subject to being taken, by any process      whatever, by the creditors of such participant, retired participant or      beneficiary. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.4   | No Right to Employment.  Nothing      herein contained nor any action taken under the provisions hereof shall be      construed as giving any employee the right to be retained in the      employment of the Company. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.5   | Unknown Heirs.  If      within four (4) years after any distribution becomes due to a participant,      retired participant or the participant’s beneficiary, the same shall not      have been claimed, provided due care shall have been exercised in      attempting to make such distribution, the amount thereof shall be treated      as forfeited and applied as provided for in ARTICLE  XI. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.6   | Accrued Benefit.  The      term "accrued benefit" shall mean the value of a participant's account or      accounts in the investment options in thisPlan. |
|------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 15.7   | Uniform Administration.  Whenever      in the administration of the Plan any action is required by the Committee,      such action      shall be uniform in nature as applied to all persons similarly situated      and no such action shall be taken which will discriminate in favor of      shareholders of the Company, highly compensated participants or      participants whose principal duties consist of supervising the work of      others. |
|------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.8   | Beneficiary.  The      word "beneficiary" shall be deemed to include the estate of the      participant, dependents of the participant, persons who are the natural      objects of the participant's bounty and any person or entity designated by      the participant to share in the benefits of the Plan and Trust after the      death of the participant.  Wherever the rights of participants      are stated or limited herein, their beneficiaries shall be bound      thereby. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.9   | Severability.  In      the event that any provision of this Plan and Trust shall be held invalid      or illegal for any reason, such determination shall not affect the      remaining provisions of this Plan, but this Plan shall be construed and      enforced as if such invalid or illegal provision had never been included      in the Plan. This Plan shall be construed in accordance with the Laws of      the State of Missouri. |
|------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.10   | Articles.  Titles      of Articles are for general information only and this Plan shall not be      construed by reference to suchtitles. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.11   | Gender.  Words      used in the masculine gender shall be read and construed to include the      feminine gender. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------|

| 15.12   | Plural.  Wherever      required, the singular of any word in this Plan and Trust shall include      the plural and the plural may be read in the  singular. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.13   | Disability.  The      term "disability" as used in this Plan means the inability to engage in      any substantial gainful activity by reason of any medically determinable      physical or mental impairment that can be expected to result in death or      which has lasted or can be expected to last for a continuous period of not      less than twelve (12) months.  The permanence and degree of such      impairment shall be supported by medical  evidence. |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.14   | Retirement Dates. |
|-------------------|------------------------|

|   | (a) | Commencing      January 1, 1988, the normal retirement date for all employees      participating in this Plan shall be the earlier of the first (1st) day of      the month following attainment of sixty (60) years of age or the first      (1st) day of the month following attainment of fifty-five (55) years of      age and completion of five (5)years |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | For      the purposes of this Plan, a participant who reaches his or her normal      retirement date shall be deemed to have retired on such date and shall      thereupon become entitled to the retirement benefits herein, except as      provided in Subparagraph (c).  The value of all contributions      allocated to the participant’s respective accounts shall be one hundred      percent (100%) vested. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | A      participant may continue employment for purposes herein beyond his or her      normal retirement date and the participant will commence receiving      benefits on his or her actual retirement date; provided, however,      distributions to a five percent (5%) owner of the Company as defined in      the Internal Revenue Code shall commence no later than April 1st of the      calendar year following the calendar year in which the participant attains      age seventy and one-half (70 ½) and distributions to other participants      shall commence no later than April 1st of the year in which such other      participant attains the age of seventy and one-half (70 ½), unless such      other participant shall have attained age seventy and one-half (70 ½)      prior to January 1, 1988 and was not a five percent (5%) owner at any time      during the period beginning with the Plan year ending with the year in      which he attained age sixty-six and one-half (66 ½) and any subsequent      year.  Contributions may be continued until such actual      retirement date at the option of the participant.  Effective      January 1, 1989, the minimum distribution and the minimum distribution      incidental benefit requirements of Internal Revenue Code Proposed      Regulations 1.401(a)(9)-1 and 1.401(a)(9)-2 are hereby incorporated by      reference.  Effective January 1, 1997, for participants other      than a five percent (5%) owner of the Company, distributions shall      commence no later than April 1st of the calendar year following the later      of: |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                                 |  (i) | The      year in which the participant attains age 70 ½,  or |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------|-------------------------------------------------------------------|

| 15.15   | Initial Qualification.  The      Company reserves the right to have all its contributions returned to it      free of this Trust, and to terminate said Plan and Trust, if the Trust      does not initially meet the qualification requirements of the Internal      Revenue Code. |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.16   | Company.  The      term "Company" means Kansas City Life Insurance Company, a Missouri      Corporation, Sunset Life Insurance Company of America, a Missouri      Corporation, Old American Insurance Company, a Missouri Corporation and      any other subsidiary corporation of Kansas City Life Insurance Company      required to be treated as a single employer under Internal Revenue Code      Section |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 15.17   | Employee.  The      term "employee" shall mean any person employed by Kansas City Life      Insurance Company or any subsidiary corporation under the rules of common      law and shall not include agents, general agents, consultants or other      independent contractors, or, effective January 1, 1989, leased employees      as defined in Section 414(n) or (o) of the Internal Revenue Code.      Effective January 1, 1997, "leased employee" shall mean any person other      than an employee of the Company who has performed services for the Company      under an agreement between the Company and a leasing organization on a      substantially full time basis for at least one (1) year, provided such      services are performed under the primary direction or control by the      Company. |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.18   | Agents.  Commencing      January 1, 1990, no life insurance salesperson of Kansas City Life      Insurance Company, sometimes referred to herein as "agent" shall be      eligible to participate. Accounts of all participating agents shall be      finally valued on the last business day of December, 1989, shall be one      hundred percent (100%) vested and shall be paid to them in January, 1990      in such form as permitted by the provisions of this Plan.  No      further deferral in this Plan shall be  permitted. |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.19   | Company Stock.  The      term "Company stock" shall mean shares of the common capital stock of      Kansas City Life Insurance Company. |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.20   | Executive Committee.  Wherever      in the Plan and Trust the term "Executive Committee" is used, it shall be      taken to mean only the Executive Committee of the Board of Directors of      Kansas City Life Insurance Company. |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.21   | Board of Directors.  Wherever      in the Plan and Trust the term "Board of Directors" is used, it shall be      taken to mean only the Board of Directors of Kansas City Life Insurance      Company. |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 15.22   | Maximum Limitation.      Commencing January 1, 1983, in no event shall the sum of the annual      additions to a participant's account for any Plan year exceed the lesser      of: |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Thirty      thousand dollars ($30,000.00) (subject to annual adjustments pursuant to      Internal Revenue Code Section 415(d) and regulations),  or |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b)   |              Twenty-five percent (25%) of such participant's    compensation. |
|-----------------|------------------------------------------------------------------------------------------------------------------|

|   | (a) | Forty      thousand dollars ($40,000.00) subject to annual adjustments pursuant to      Internal Revenue Code Section 415(d),or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | One      hundred percent (100%) of such participant’s compensation within the      meaning of Internal Revenue Code Section 415(c)(3) for the Plan year, as      determined under Paragraph 3.2(b) of the Plan and  Trust. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.23   | Annual Additions.  For      the purposes of this Plan, "annual addition" shall be the sum for any year      of the Company contributions plus the amount of any employee      contributions, plus the forfeitures, as further defined in Internal      Revenue Code Regulation section1.415(c)-1. |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.24   | Annual Additions Reduction.  If      any participant is a participant under any other defined contribution plan      maintained by the Company, the total of the annual additions to such      participant's account from all such defined contribution plans shall not      exceed the limitations set forth in Paragraph 15.22.  Beginning      on January 1, 2008, any excess annual additions shall be corrected through      the Employee Plans Compliance Resolution System.  Prior to      January 1, 2008, if it is determined that as a result of the limitation      set forth in the preceding sentence, the annual additions to the      participant's account in this Plan are excessive, a reduction of such      annual additions shall be effected by a return to the participant of a      dollar amount (with any earnings attributable to the dollar amount) from      his elective accounts, which with an equal amount of the Company's      contributions accounted for in accordance with the following formula,      eliminates such excess:  The excess amounts in the participant's      matching Company contributions account in the Kansas City Life Stock      Investment option must be used to reduce Company contributions for the      next limitation year (and succeeding limitation years, as necessary) for      that participant if that participant is covered by the Plan as of the end      of the limitation year.  However, if the participant is not      covered by the Plan as of the end of the limitation year, then the excess      amounts must be held in unallocated in a suspense account for the      limitation year and allocated and reallocated in the next limitation year      to all of the remaining participants in the Plan in accordance with the      rules set forth in Subparagraph (6)(i) of Regulation Section 1.415-6(b).      Furthermore, the excess amounts must be used to reduce the Company      contributions for the next limitation year (and succeeding limitation      years, as necessary) for all of the remaining participants in the      Plan.  For purposes of this Paragraph, excess amounts may not be      distributed to participants or former  participants. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.25   | Annual Additions Reduction.  If      any participant is a participant under a defined benefit plan maintained      by the Company, the sum of the defined benefit plan fraction for a Plan      year and the defined contribution plan fraction for that year shall be no      greater than one (1.00).  If it is determined that the      limitation set forth in the preceding sentence has been exceeded, the      numerator of the defined benefit plan fraction shall be adjusted by      freezing or adjusting the rate of benefit authorized by the defined      benefit plan so that the sum of both fractions shall not exceed one (1)      for the respective participant.  Effective January 1, 2000, this      Paragraph shall not apply. |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.26   | Retirement Plan.  As      used in this section, the words "retirement plan" shall    mean: |
|-------------------|-----------------------------------------------------------------------------------------------------------|

|   | (a) | Any      profit sharing, pension or stock bonus plan described in Section 401(a)      and 501(a) of the Internal RevenueCode; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | Any      annuity plan or annuity contract described in Section 403(a) or 403(b) of      the Internal Revenue Code; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------|

|   | (c) | Any      qualified bond purchase plan described in Section 405(a) of the Internal      Revenue Code; and |
|--------|-----|----------------------------------------------------------------------------------------------------------|

|   | (d) | Any      individual retirement account, individual retirement annuity or retirement      bond described in Section 408(a), 408(b) or 409 of the Internal Revenue      Code. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.27   | Defined Contribution Plan.  As      used in this section, the words "defined contribution plan" shall mean a      retirement plan which provides for an individual account for each      participant and for benefits based solely on the amount contributed to the      participant's account and any income, expenses, gains and losses and any      forfeitures of accounts of other participants which may be allocated to      such participant's accounts. |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.28   | Defined Benefit Plan.  As      used in this section, the words "defined benefit plan" shall mean any      retirement plan which is not a defined contribution  plan. |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.29   | Defined Benefit Plan Fraction.  As      used in this section, the words "defined benefit plan fraction" shall      mean, for any Plan year, afraction, |
|-------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (a) | The      numerator of which is the projected annual benefit of the participant,      that is, the annual benefit to which the participant would be entitled      under the terms of the defined benefit plan on the assumptions that the      participant continues employment until his or her normal retirement date      as determined under the terms of the defined benefit plan, that his or her      compensation continues at the same rate as in effect in the Plan year      under consideration until his or her normal retirement date and that all      other relevant factors used to determine benefits under such defined      benefit plan remain constant as of the current Plan year for all future      Plan years, under all defined benefit plans maintained by the Company,      determined as of the close of the Plan year;  and, |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | The      denominator of which is the lesser of:  (i) the maximum dollar      limit for such year (for example, ninety thousand dollars ($90,000.00) for      1983, and adjusted annually for increases in the cost of living as      permitted under Section 415(d) of the Internal Revenue Code) times 1.25 or      (ii) the percentage of compensation limit for such year times      1.4.  Effective January 1, 2000, this Paragraph shall not      apply. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.30   | Defined Contribution Plan Fraction.  As      used in this section, the words "defined contribution plan fraction" shall      mean, for any Plan year, afraction, |
|-------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | The      numerator of which is the sum of the annual additions to the participant's      account under all defined contribution plans maintained by the Company in      that Plan year; and, |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | The      denominator of which is the sum of the lesser of the following amounts,      determined for the year and for each prior year of service with the      Company:  (i) the product of 1.25 multiplied by the dollar      limitation in effect for the year or (ii) the product of 1.4 multiplied by      the percentage of compensation limit (IRC 415(e)(3) as      amended). |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | In      computing the defined contribution plan fraction above, for years ending      after December 31, 1982, at the election of the Company, the amount to be      taken into account for all years ending before January 1, 1983, may be      computed to be an amount equal to the denominator of the fraction, as in      effect for the year ending in 1982, multiplied by a transition      fraction, |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | The      numerator of which is the lesser of (i) fifty-one thousand eight hundred      seventy-five dollars ($51,875.00) or (ii) 1.4 multiplied by twenty-five      percent (25%) of the participant's compensation for the year ending in      1981; and, |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | The      denominator of which is the lesser of (i) forty-one thousand five      hundred |
|--------|----|-----------------------------------------------------------------------------------------|

----

| 15.31   | Affiliated Company Participation.  Notwithstanding      anything in this Agreement to the contrary, no employee of any subsidiary      or affiliated corporation of Kansas City Life Insurance Company shall have      the right to make contributions to this Plan unless such Plan shall have      been adopted by the corporation for which such employee is      employed. |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.32   | Highly Compensated Person.  Prior      to January 1, 1997, the term "highly compensated person", for the purposes      of this Plan, shall mean any employee who at any time during the preceding      year or the look-back year, |
|-------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | Was      a five percent (5%) owner of the Company,or |
|--------|-----|------------------------------------------------------|

|   | (b) | Had      compensation in excess of seventy-five thousand dollars ($75,000.00) per      year, or |
|--------|-----|-------------------------------------------------------------------------------------------------|

|   | (c) | Was      in the highest paid twenty percent (20%) of the employees of the Company      (ranked on the basis of compensation paid during such year) with      compensation in excess of fifty thousand dollars ($50,000.00) per year      (top-paid group), or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | Was      an officer with compensation in excess of fifty percent (50%) of the      amount in effect under IRC Section 415(b)(1)(A) for such year (counting at      least one (1) officer, regardless of compensation; but counting no more      than fifty (50) or if less, ten percent (10%) of all employees or three      (3) employees, whichever isgreater). |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (e) | Was      a five percent (5%) owner of the Company at any time during the year or      preceding year, or |
|--------|-----|----------------------------------------------------------------------------------------------------------|

|   | (f) | For      the preceding year |
|--------|-----|-----------------------------|

|   | 1. | Had      compensation as defined in Code Section 415(c)(3) from the Company in      excess of $80,000.00, and |
|--------|----|---------------------------------------------------------------------------------------------------------------|

|   | 2. | If      the Company elects the application of this clause for the preceding year,      was in the group consisting of the top twenty percent (20%) of the      employees ranked on the basis of compensation paid during such preceding      year. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 15.33   | Direct Rollovers.  The      provisions of this Paragraph shall be effective January 1, 1993 and apply      to distributions after January 1, 1993.  Notwithstanding any      provision of this Plan to the contrary, a distributee may elect to have      any portion of an eligible rollover distribution paid directly to an      eligible retirement plan specified by the distributee in a direct      rollover.  The Administrative Committee may prescribe the time      and manner in which this election ismade. |
|-------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | "Eligible      rollover distribution" is any distribution of all or any portion of the      balance to the credit of the distributee.  However, an eligible      rollover distribution shall notinclude: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |   (i) | Any      distribution that is one of a series of substantially equal periodic      payments (not less frequently than annually) made for the life (or life      expectancy) of the distributee or the joint lives (or joint life      expectancies) of the distributee and the distributee's designated      beneficiary or for a specified period of ten (10) years or      more; |
|--------|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (ii) | Any      distribution required under Code Section 401(a)(9);  or |
|--------|------------|------------------------------------------------------------------|

|   | (iii) | Beginning      January 1, 1999, any hardship distribution described in Code Section      401(k)(2)(B)(i)(IV) received after December 31, 1998 and, beginning      January 1, 2002, any amount distributed on account of hardship;      or |
|--------|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (iv) | The      portion of any distribution that is not includable in gross income      (determined without regard to the exclusion for net unrealized      appreciation with respect to employer securities.  However,      beginning January 1, 2002, a portion of the distribution shall not fail to      be an eligible rollover distribution merely because the portion consists      of after tax employee contributions which are not includable in gross      income.  Such portion may be transferred only to an individual      retirement account described in Code Section 408(a) or an individual      retirement annuity described in Code Section 408(b) or to a qualified      defined contribution plan described in Code Section 401(a) or 403(a) that      agrees to separately account for amounts so transferred, including      separately accounting for the portion of the distribution which is      includable in |
|--------|------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | gross      income and the portion of the distribution which is not so      includable. |
|--------|----------------------------------------------------------------------------------------|

|   | (b) | "Eligible      retirement plan" is: |
|--------|-----|-------------------------------------|

|   |   (i) | An      individual retirement account (described in Code Section 408(a)) or      individual retirement annuity (described in Code Section 408(b));      or |
|--------|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (ii) | An      annuity plan (described in Code Section 403(a));  or |
|--------|------------|--------------------------------------------------------------|

|   | (iii) | A      qualified trust (described in Code Section 401(a)) that accepts the      distributee's eligible rollover distribution.  However, in the      case of an eligible rollover distribution to a surviving spouse and,      beginning January 1, 2007, a non-spouse beneficiary, eligible retirement      plan shall mean only the items in (i)above. |
|--------|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (iv) | Beginning      January 1, 2002, an annuity contract described in Code Section 403(b) and      an eligible plan described in Code Section 457(b) which is maintained by a      state, political subdivision of a state, or any agency or instrumentality      of a state or political subdivision of a state and which agrees to      separately account for amounts transferred into such plan from this      Plan. |
|--------|------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | "Distributee"      shall include an employee or former employee.  An employee's or      former employee's surviving spouse and the employee's or former employee's      spouse or former spouse who is an alternate payee under a qualified      domestic relations order (defined in Code Section 414(p)) are distributees      with regard to the interest of the spouse or former  spouse. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | "Direct      rollover" is a payment by the Plan to the eligible retirement plan      specified by the distributee. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------|

|   | The      value of a participant’s accounts in the Kansas City Life Stock Investment      option attributable to the participant’s elective contributions and the      Company’s matching contributions and profit sharing contributions may at      the option of the participant, be distributed in the form of Company stock      as provided in Paragraph 10.4. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.34   | Participants who Enter      Armed Forces.  Effective December 12, 1994,      notwithstanding any provision of this Plan to the contrary, contributions,      benefits and service credit with respect to qualified military service      will be provided in accordance with Code Section      414(u).  Further, the repayment of any elective account loan      made under Paragraph 9.5 will be suspended as permitted by Code Section      414(u)(4). |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.35   | Contribution Under      Mistake of Fact.  If a contribution is made by the      Company by a mistake of fact, such contribution may be returned to the      Company within one (1) year after the payment of  the |
|-------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 15.36   | Contributions      Conditioned on Deductibility.  Company contributions are      expressly conditioned upon deductibility of contributions under Section      404 of the Internal Revenue Code.  If any part or all of a      contribution is disallowed as a deduction under Section 404, then to the      extent a contribution is disallowed as a deduction, it may be returned to      the Company within one (1) year after the later of the date of payment of      the contribution or the date the deduction for the contribution was      disallowed.  Any contributions returned shall not include any      investment earnings thereon, but shall be net of any investment losses      thereon. |
|-------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 16.1   | Compensation Limits.  With      respect to compensation as defined in this Plan, for any Top Heavy Plan      year, compensation in excess of two hundred thousand dollars      ($200,000.00), or such other amount as the Secretary of the Treasury may      designate, shall be disregarded.  Beginning January 1, 1989,      compensation to be disregarded shall be the amount stated in Paragraph      3.2. Furthermore, for the purposes of this ARTICLE XVI, compensation shall      be as defined in Paragraph 3.2. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.2   | Key Employee.  "Key      employee" means any employee or former employee (and the employee’s      beneficiaries) who, at any time during the Plan year or any of the      preceding four (4) Plan years, is: |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (a) | An      officer of the Company, as that term is defined within the meaning of the      regulations under Internal Revenue Code Section 416.  For the      years 1984 through 1987, an officer is not treated as a key employee if      the officer has an annual compensation of forty-five thousand dollars      ($45,000.00) or less. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | One      of the ten (10) employees owning (or considered as owning within the      meaning of Code Section 318) the largest interests in all employers      required to be aggregated under Code Sections 414(b), (c) and      (m).  However, an employee will not be considered a top ten (10)      owner for a Plan year if the employee earns less than thirty thousand      dollars ($30,000.00) or such other amount adjusted in accordance with Code      Section 415(c)(1)(A) as in effect for the calendar year in which the      determination date falls. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | A      five percent (5%) owner of the Company.  "Five percent (5%)      owner" means any person who owns (or is considered as owning within the      meaning of Code Section 318) more than five percent (5%) of the total      combined voting power of all stock of the  Company. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | A      one percent (1%) owner of the Company having an annual compensation from      the Company of more than one hundred fifty thousand dollars      ($150,000.00).  "One percent (1%) owner" means any person who      owns (or is considered as owning within the meaning of Code Section 318)      more than one percent (1%) of the outstanding stock of the Company or      stock possessing more than one percent (1%) of the total combined voting      power of all stock of the Company. In determining percentage ownership      hereunder, employers that would otherwise be aggregated under Code      Sections 414(b), (c) and (m) shall be treated as separate      employers.  However, in determining whether an individual has      compensation of more than one hundred fifty thousand dollars      ($150,000.00), compensation from each employer required to be aggregated      under Code Sections 414(b), (c) and (m) shall be taken into      account. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 16.3 | Non-Key Employee.  "Non-key      employee" means any employee who is not a key  employee. |
|------|----------------------------------------------------------------------------------------------------------|

| 16.4 | Super Top Heavy Plan.  "Super      Top Heavy Plan" means, for Plan years commencing after December 31, 1983,      that, as of the determination date, (1) the present value of accrued      benefits of key employees, or (2) the sum of the aggregate accounts of key      employees under this Plan and any Plan of the Company's aggregation group,      exceeds ninety percent (90%) of the present value of accrued benefits or      the aggregate accounts of all participants under this Plan and any Plan of      the Company's aggregation group. |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.5   | Top Heavy Plan.  "Top      Heavy Plan" means, for Plan years commencing after December 31, 1983,      that, as of the determination date, (1) the present value of accrued      benefits of key employees or (2) the sum of the aggregate accounts of key      employees under this Plan and any Plan of the Company's aggregation group,      exceeds sixty percent (60%) of the present value of accrued benefits or      the aggregate accounts of all participants under this Plan and any Plan of      the Company's aggregation group. |
|------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.6   | Top Heavy Plan Year.  "Top      Heavy Plan year" means any calendar year after December 31, 1983 in which      the Plan is a top heavy plan. |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.7   | Top Heavy Plan Requirements. |
|------------------|---------------------------------------------|

|   | (a) | For      any "Top Heavy Plan year", the following provisions shall apply      notwithstanding any other provision in this Plan to the      contrary: |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | Any      person who is a participant in this Plan in any year in which it shall be      a "Top Heavy Plan" shall have benefits vested in accordance with the      following schedules:  twenty percent (20%) after two (2) years      of service; forty percent (40%) after three (3) years of service; sixty      percent (60%) after four (4) years of service; eighty percent (80%) after      five (5) years of service; and one hundred percent (100%) after six (6)      years of service.  Effective January 1, 1989, there shall be no      decrease in a participant's nonforfeitable percentage in the event the      Plan's status as top heavy changes for any year.  Further, if      the vesting schedule shifts in and out of the above schedule for any year      because the Plan's top heavy status changes, such shift shall be      considered an amendment of the vesting schedule.  If this      occurs, each participant with at least three (3) years of service with the      Company may elect to have his or her nonforfeitable percentage determined      without regard to the shift.` The election period will begin with the date      the deemed amendment is made and shall end on the later  of: |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | Sixty      (60) days after the deemed amendment is effective;  or |
|--------|-----|-------------------------------------------------------------------|

|   | (c) | Sixty      (60) days after the participant is issued written notice of the deemed      amendment by the AdministrativeCommittee. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Notwithstanding      anything in this plan to the contrary, for any Top Heavy Plan Year, the      Company shall make a minimum contribution for each non-key employee equal      to three percent (3%) of such non-key employee's salary, which shall be      invested and accounted for in The Kansas City Life Stock Investment      option. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | For      any year in which this Plan is top heavy, each non-key employee will      receive a minimum contribution if the non-key employee has not separated      from service at the end of the top heavy year, regardless of whether the      non-key employee has less than one thousand (1,000) hours of service in      such year.  Furthermore, such non-key employee shall receive      such minimum contribution regardless of his or her level of compensation      and regardless of whether the non-key employee declines to make a      mandatory personal contribution.  No such minimum contribution      made by the Company pursuant to these top heavy provisions shall be      subject to forfeiture if a non-key employee withdraws his or her mandatory      contributions. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 4. | Notwithstanding      the foregoing, so long as any non-key employee is covered by both the      Company's Pension Plan and this Plan, the minimum contribution required      herein shall be satisfied by the accrual of the defined benefit minimum by      the respective non-key employee for any top heavy  year. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 5. | If      the Company shall be maintaining both this Plan and a defined benefit plan      in any top heavy year, a factor of 1.0 must be applied to the denominators      of the defined benefit and defined contribution  fractions. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.8   | Determination of Top Heavy Status. |
|------------------|--------------------------------------------------------|

|   | (a) | This      Plan shall be a Top Heavy Plan for any Plan year commencing after December      31, 1983, in which, as of the determination date, (1) the present value of      accrued benefits of key employees, or (2) the sum of the aggregate      accounts of key employees under this Plan and any Plan of an aggregation      group, exceeds sixty percent (60%) of the present value of accrued      benefits or the aggregate accounts of all participants under this Plan and      any Plan of an aggregation group. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | This      Plan shall be a Super Top Heavy Plan for any Plan year commencing after      December 31, 1983, in which, as of the determination date, (1) the present      value of accrued benefits of key employees, or (2) the sum of the      aggregate accounts of key employees under this Plan and any Plan of an      aggregation group, exceeds ninety percent (90%) of the present value of      accrued benefits or the aggregate accounts of all participants under this      Plan and any Plan of an aggregationgroup. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | Aggregate      account.  A participant's aggregate account as of the      determination date is the sum of: |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------|

|   | 1. | The      participant's account balance as of the most recent valuation occurring      within a twelve (12) month period ending on the determination      date. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 2. | Contributions      that would be allocated as of a date not later than the determination      date, even though those amounts are not yet made or required to be      made. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | Any      Plan distributions made within the Plan year that includes the      determination date or within the four (4) preceding Plan      years.  However, in the case of distributions made after the      valuation date and prior to the determination date, such distributions are      not included as distributions for Top Heavy purposes to the extent that      such distributions are already included in the participant's aggregate      account balance as of the valuation date.  Notwithstanding      anything herein to the contrary, all distributions, including      distributions made prior to January 1, 1984, will be    counted. |
|--------|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 4. | Any      employee contributions, whether voluntary or      mandatory.  However, amounts attributable to tax deductible      qualified employee contributions shall not be considered to be a part of      the participants aggregate accountbalance. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | "Aggregation      group" means either a required aggregation group or a permissive      aggregation group as hereinafterdetermined. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | Required      aggregation group.  In determining a required aggregation group      hereunder, each Plan of the Company in which a key employee is a      participant and each other Plan of the Company which enables any Plan in      which a key employee participates to meet the requirements of Code      Sections 401(a)(4) and 410, will be required to be      aggregated.  Such group shall be known as a required aggregation      group and shall include any terminated plan which if it had not been      terminated would have been required to be included in the aggregation      group. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | 2. | Permissive      aggregation group.  The Company may also include any other Plan      not required to be included in the required aggregation group, provided      the resulting group, taken as a whole, would continue to satisfy the      provisions of Internal Revenue Code Sections 401(a) or      410.  Such group shall be known as a permissive aggregation      group. |
|--------|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 3. | Only      those Plans of the Company in which the determination dates fall within      the same calendar year shall be aggregated in order to determine whether      such Plans are Top Heavy Plans. |
|--------|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 4. | For      purposes of determining the present value of the cumulative accrued      benefit for any employee or the amount of the account of any employee, the      value or amount shall be increased by the aggregate distributions made      with respect to such employee under the plan during the five year period      ending on the determination date.  The preceding sentence also      applies to distributions under a terminated plan which if it had not been      terminated would have been required to be included in an aggregation      group.  If any individual is a non-key employee with respect to      any plan for any plan year, but such individual was a key employee with      respect to such plan for any prior plan year, any accrued benefit for such      employee (and the account of such employee) shall not be taken into      account.  The accrued benefit of an employee who has performed      no services for the Company during the five (5) year period ending on the      determination date will not be taken into  account. |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | "Determination      date" means (1) the last day of the preceding Plan year or (2) in the case      of the first Plan year, the last day of such Plan  year. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (f) | Present      value of accrued benefit.  In the case of a defined benefit      plan, a participant's present value of accrued benefit shall be as      determined under the provisions of the applicable defined benefit      plan. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (g) | "Top      Heavy group" means an aggregation group in which, as of the determination      date, the sum of: |
|--------|-----|------------------------------------------------------------------------------------------------------------|

----

|   | 1. | The      present value of accrued benefits of key employees under all defined      benefit plans included in the group;and |
|--------|----|----------------------------------------------------------------------------------------------------------------------------|

|   | 2. | The      aggregate accounts of key employees under all defined contribution plans      included in the group, exceeds sixty percent (60%) of a similar sum      determined for all participants. |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (h) | Notwithstanding      anything herein to the contrary, the effective date otherwise provided for      herein for the application of Code Section 416 to this Plan (Plan years      beginning after December 31, 1983) shall be extended in accordance with      any legislative act of Congress. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.9   | Modification of Top      Heavy Rules. |
|------------------|---------------------------------------|

|   | (a) | For      Plan years beginning after December 31, 2001, this Paragraph shall apply      for purposes of determining whether the Plan is top heavy under code      Section 416(g) and whether the Plan satisfies the minimum requirements of      Code Section 416(c) for such years.  This Paragraph amends      Paragraphs of this ARTICLE XVI, including, but not limited to, part or all      of Paragraphs 16.2, 16.7(a)1 and (a)2 and  16.8(c)(3). |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (b) | “Key      employee” means any employee or former employee (including any deceased      employee) who at any time during the Plan year that includes the      determination date was an officer of the Company having annual      compensation greater than $130,000.00 [as adjusted under Code Section      416(i)(l)] for Plan years beginning after December 31, 2002, a five      percent (5%) owner of the Company or a one percent (1%) owner of the      Company having annual compensation of more than      $150,000.00.  For this purpose, annual compensation means      compensation within the meaning of Code Section 415(c)(3).  The      determination of who is a key employee will be made in accordance with      Code Section 416(i)(l) and the applicable regulations and other guidance      of general applicability issuedthereunder. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (c) | For      purposes of determining the present values of accrued benefits and the      amounts of account balances of employees as of the determination date, the      following shall apply: |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 1. | The      present value of accrued benefits and the amounts of account balances of a      employee as of the determination date shall be increased by the      distributions made with respect to the employee under the Plan and any      plan aggregated with the Plan under Code Section 416(g)(2) during the one      (1) year period ending on the determination date.  The preceding      sentence shall also apply to distributions under a terminated plan which,      had it not been terminated, would have been aggregated with the Plan under      Code Section 416(g)(2)(A)(i).  In the case of a distribution      made for a reason other than |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | 2. | The      accrued benefits and accounts of any individual who has not performed      services for the Company during the one (1) year period ending on the      determination date shall not be taken into  account. |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (d) | Company      matching contributions shall be taken into account for purposes of      satisfying the minimum contribution requirements of Code Section 416(c)(2)      and the Plan.  Company matching contributions that are used to      satisfy the minimum contribution requirements shall be treated as matching      contributions for purposes of the actual contribution percentage test and      other requirements of Code Section401(m). |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (e) | Notwithstanding      the foregoing, so long as any non-key employee is covered by both this      Plan and the Kansas City Life Insurance Company Cash Balance Pension Plan,      the minimum contribution required herein shall be satisfied by the accrual      of the defined benefit minimum by the respective non-key employee for any      top heavy year. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----