SECURITIES AND EXCHANGE COMMISSION
                                                   Washington, D.C. 20549


                                                          FORM 10-K


[X]  ANNUAL REPORT  PURSUANT TO SECTION 13 or 15(d) OF THE  SECURITIES  EXCHANGE
     ACT OF 1934 [FEE REQUIRED]
     For the Fiscal Year ended December 31, 1999

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
    ACT OF 1934 [NO FEE REQUIRED]

For the Transition Period from    to
Commission File Number 2-40764


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


               Missouri                                        44-0308260
    (State or Other Jurisdiction of                         (I.R.S. Employer
     Incorporation or Organization)                      Identification Number)


  3520 Broadway, Kansas City, Missouri                         64111-2565
(Address of Principal Executive Offices)                       (Zip Code)


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


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

                                              Name of Each Exchange on
             Title of Each Class                  Which Registered

                    None                                 None

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

                         None
                         (Title of Class)


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

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

                    Yes X               No

     As of February 29, 2000,  12,023,990  shares of the Company's capital stock
par value $1.25 were  outstanding,  and the aggregate market value of the common
stock (based upon the average bid and asked price according to Company  records)
of Kansas City Life Insurance Company held by  non-affiliates  was approximately
$119,970,160.

Part II


                      Documents Incorporated by Reference

Item 5:   Market for Registrant's Common          Page 44 of Annual Report to
          Equity and Related Stockholder          Shareholders for the year
          Matters.                                ended December 31, 1999.

Item 6:   Selected Financial Data.                Page 24 of Annual Report to
                                                  Shareholders for the year
                                                  ended December 31, 1999.

Item 7:   Management's Discussion                 Pages 22 through 27 of Annual
          and Analysis of Financial               Report to Shareholders for
          Condition and Results of                the year ended December 31,
          Operations.                             1999.

Item 7A:  Quantitative and Qualitative            Pages 25 through 27 of Annual
          Disclosures about Market Risk           Report to Shareholders for
                                                  the year ended December 31,
                                                  1999.

Item 8:   Financial Statements and                Pages 28 through 43 of Annual
          Supplementary Data.                     Report to Shareholders for the
                                                  year ended December 31, 1999.



Part IV

Index to Exhibits                                  Page 19

                                                           PART I


Item 1.  BUSINESS

     Kansas  City  Life  Insurance  Company  (KCL)  was  incorporated  under the
assess-ment laws of Missouri in 1895 as the Bankers Life  Association.  In 1900,
its  present  corporate  title was  adopted  and it was  reorganized  as a legal
reserve company in 1903. The Company operates  nationwide,  being licensed in 48
states and the District of Columbia.

     The Company primarily operates in four business segments:  Kansas City Life
Insurance Company, divided between its individual and group businesses,  and its
two insurance affiliates,  Sunset Life Insurance Company of America (Sunset) and
Old  American  Insurance  Company  (Old  American).  KCL markets its  individual
products, principally interest sensitive and variable products, through a career
general  agency  sales force and these  products  generate  42% of  consolidated
insur-ance  revenues.  Variable  universal life and annuities totaled 57% of new
statutory  premiums in 1999. The group  products,  largely life,  disability and
administrative  services  only,  are sold through the general agency sales force
and  appointed  group  agents.  Group  revenues  account  for  20% of  insurance
revenues.   Sunset  markets  interest  sensitive  and  traditional  products  to
individuals through a personal pro-ducing general agency system. Sunset operates
in 34 states and is in the process of filing for admission to operate in most of
the remaining  states.  This segment provides 10% of revenues.  The Old American
segment  markets whole life final expense  products to seniors through a general
agency sales force.  Old American  operates in 46 states and accounts for 28% of
consolidated insurance revenues.

     Old American's  administrative operations are merged into KCL's home office
and  its  administrative  and  accounting   systems.   Sunset's   administrative
operations   were  merged  into  KCL's  home  office   during  1999.   Increased
efficiencies  and expense  savings  should be  realized  in 2000 and  subsequent
years.

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

     KCL and its subsidiaries  have 648 full time employees  located in the home
office.

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


Item 2.  PROPERTIES

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

         The Company owns various other properties held for investment.


Item 3.  LEGAL PROCEEDINGS

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

     Adams, et al, v. Kansas City Life Insurance Company; United States District
Court for the  Western  District  of  Missouri;  Case No.  98-1053-CV-W-9.  This
liti-gation was originally brought by three Company  policyholders in the Middle
District of Florida in December,  1997, but was subsequently  transferred to the
Western District of Missouri.  The policyholders allege the Company marketed the
life  insurance  policies  as  policies  that would pay for  themselves  after a
certain period of time,  i.e.,  that the premiums would "vanish" and/or that the
policies were inappropriately  marketed as "retirement plans".  According to the
policy-holders,  the policies would not pay for themselves, but, rather, require
additional premium payments each year to remain in effect. Plaintiffs charge the
Company with fraudulent concealment,  fraudulent inducement, breach of fiduciary
duty,  breach of  contract,  breach of the duty of good faith and fair  dealing,
negligent  supervision,   negligent  misrepresentation,   and  seek  unspecified
compensatory and punitive damages, declaratory and injunctive relief, reaffirma-
tion  of  the  party's  contract,   and  imposition  of  a  constructive  trust.
Plaintiffs'  petition  seeks to certify a class  comprised of all persons and/or
entities who have or had an  ownership  interest in one or more  permanent  life
insurance  policies issued from January 1, 1985 to the present.  The trial court
has granted the Company's  motion to dismiss  counts  alleging  fraud/fraudulent
concealment  and  deceit,  and  negligent  misreprepresentation,  but denied the
motion in all other respects. Discovery has been completed on the issue of class
certification and a class  certification  hearing was held February 16-17, 2000,
but no  decision  has been  issued.  Management  denies the  allegations  of the
complaint  including the existence of a certifiable  class and intends to defend
this case vigorously.

     Stewart,  et al, v. Security Benefit Life Insurance Company and Bank Market
Service,  Inc.; Filed in November,  1998 in the Tenth Judicial District Court of
Kansas,  Johnson County,  Kansas;  Case No. 98-C04036.  The Company is defending
this case pursuant to the terms of a coinsurance agreement with Security Benefit
Life (SBL).  This litigation was filed by four SBL  policyholders who allege SBL
(through its agent,  Bank Market Service,  Inc.) sold the policies as retirement
plans when, in fact, the policies are for life insurance and have only a minimal
cash value.  The plaintiffs seek to rescind their  insurance  contracts with SBL
and  recover  monetary  damages in an amount of  alleged  benefits  that  "true"
retirement  plans  would  have  provided.  Plaintiffs  seek to  certify  a class
comprised of "all persons who have an ownership interest (or had at the time the
policy terminated) in one or more life insurance policies marketed as retirement
plans by defendants between 1977 and the present."  Previously,  the trial court
granted in part the Company's motion for summary  judgment  dismissing all fraud
and  fiduciary  claims and  leaving  only a claim for breach of  contract  to be
litigated.  Following  a hearing on class  certification  that was held on March
20-21,  2000,  in a bench  ruling the trial court denied  plaintiffs  motion for
class  certification.  Management  intends to  continue  to defend  this  matter
vigorously and denies the  allegations  including the existence of a certifiable
class.

     Wilner v. Sunset Life Insurance  Company,  Dean Delevie,  et al; California
Superior Court; Case No. SC051573.  The original complaint was filed on March 9,
1998 in Los Angeles  Superior  Court.  In her first  complaint,  plaintiff  sued
Sunset Life Insurance Company (Sunset), a subsidiary,  and one of its agents for
unspecified  compensatory and punitive damages alleging various forms of deceit,
breach of  fiduciary  duty,  and  negligence  in  connection  with the sale of a
universal  life  insurance  policy  as a  replacement  for an  existing  policy.
Sub-sequently,  the plaintiff  amended her complaint to seek class action status
and to add a claim under California's Business and Professions Code 17200 which
authorizes  individual  plaintiffs  to sue on  behalf  of the  public  to remedy
specific delineated alleged unfair business  practices,  and to seek declaratory
and injunctive  relief.  Sunset  obtained a dismissal of the breach of fiduciary
duty claim and the class  action  allegations,  but the trial  court  refused to
dismiss the 17200  allegations.  All parties  appealed and the court of appeals
refused to overrule the trial  court's  failure to dismiss the 17200 claims and
remanded the case for further  discovery  and proof  regarding  the class action
allegations  in the  complaint.  Sunset denies the  allegations  and  management
believes that this case does not fit the requirements for either class treatment
and/or litigation under 17200 and intends to defend this matter vigorously.

     Wright,  etc., v. Sunset Life  Insurance  Company;  Circuit Court of Clarke
County, Alabama; Case No. CV98-0220-M. Originally filed in June, 1998, plaintiff
alleged that Sunset is liable for breach of contract and unjust enrichment,  and
seeks unspecified  compensatory damages.  Plaintiff alleges the Company breached
her  universal  life  contract  when it sent  her a  letter  advising  that  her
universal  life policy was being  underfunded  and she needed to pay  additional
premiums in order to maintain the current level of death  benefit.  In addition,
plaintiff  alleged a  putative  class  action  in which  she seeks to  represent
herself and others  similarly  situated  nationwide.  Sunset's initial motion to
dismiss was overruled by the trial court.  Subsequently,  plaintiff  surrendered
her policy and plaintiff's  attorneys  dismissed her as a plaintiff and filed an
amended complaint substituting  plaintiff's husband,  beneficiary of the policy,
as  plaintiff.  Sunset has filed a motion to strike or dismiss  the  plaintiff's
amended complaint. Plaintiff has not filed a motion seeking class certification,
nor has there been a class  certification  hearing and none is scheduled at this
time.  The policy in issue was not sold in the State of Alabama,  nor has Sunset
applied for  authority to conduct  business in Alabama.  Sunset  denies that the
Alabama  court has  jurisdiction  over  this  matter,  and  further  denies  the
allegations in the complaint  including the existence of a certifiable class and
intends to defend this case vigorously.

     In addition to the above,  the Company and certain of its  subsidiaries are
defendants in litigation seeking punitive damages. Some of these lawsuits are in
jurisdictions  where juries  sometime award  punitive  damages  grossly  dispro-
portionate to the actual damages.

     Although no assurances  can be given and no  determinations  can be made at
this time as to the outcome of any particular lawsuit or proceeding,  management
believes that the relief ultimately granted to plaintiffs in these lawsuits,  if
any, would have no material effect on the Company's business,  results of opera-
tions and financial position.


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

     No matters  were  submitted  to a vote of the  stockholders  of the Company
during the fourth quarter of the fiscal year ended December 31, 1999.


                                                           PART II


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

         Incorporated by Reference.


Item 6.  SELECTED FINANCIAL DATA

         Incorporated by Reference.

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

         Incorporated by Reference.


Item 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES
         ABOUT MARKET RISK

         Incorporated by Reference.


Item 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

         Incorporated by Reference.


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

         Not Applicable.


                                                          PART III


Item 10.  DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

     The  following  information,  as of December  31,  1999,  is provided  with
respect to each Director:

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

J. R. Bixby (1)(2)(3)        74      2000      Chairman of the Board     1957


R. Philip Bixby              46      2000      President, CEO and Vice   1985
(1)(2)(3)                                      Chairman of the Board

Richard L. Finn              58      2000      Senior Vice President,    1983
(1)(2)(3)                                      Finance

Warren J. Hunzicker, M.D.    79      2000      None                      1989
(3)(6)

Larry Winn, Jr.              80      2000      None                      1985
(2)(3)(4)(5)(6)

Jack D. Hayes (1)            59      2001      Senior Vice President,    1995
                                               Marketing

Michael J. Ross              58      2001      None                      1972
(2)(4)(5)(6)

Elizabeth T. Solberg         60      2001      None                      1997
(6)

W. E. Bixby, III (6)         41      2002      None                      1996

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

Webb R. Gilmore              55      2002      None                      1990
(2)(4)(5)(6)

Nancy Bixby Hudson (6)       47      2002      None                      1996

Daryl D. Jensen (6)          60      2002      None                      1978

C. John Malacarne            58      2002      Vice President,           1991
(1)(2)                                         General Counsel
                                               and Secretary

     W. E. Bixby served as a Director from 1966 until his death on September 27,
1999.  Francis  P.  Lemery  served as a  Director  from 1985 until he retired on
November 30, 1999.

(1)  See below with respect to the business  experience of executive officers of
     the Company.

(2)  Member of Executive Committee.

(3)  Subject  to the  approval  of the  shareholders  at the  annual  meeting of
     share-holders  to be held on April 20,  2000,  will be elected  for a three
     year term ending in 2003.

(4)  Member of Audit Committee.

(5)  Member of Compensation Committee.

(6)  W. E. Bixby,  III was elected  Assistant  Vice  President of the Company in
     1985,  Vice  President,   Marketing  in  1990,  Vice  President,  Marketing
     Operations in 1992, and President of Old American,  a subsidiary,  in 1996.
     He also serves as a Director of Sunset Life and Old American, subsidiaries.
     Mr. Gilmore is Chairman,  CEO and  Shareholder of the law firm of Gilmore &
     Bell.  Nancy Bixby  Hudson has served as a Director of Sunset  Life, a sub-
     sidiary, since 1986. Dr. Hunzicker was elected by the Board of Directors to
     an unexpired term in 1989. Dr.  Hunzicker  served as the Company's  Medical
     Director from 1987 to 1989; he formerly served as a member of the Company's
     Board of Directors  from 1977 to 1980.  Mr.  Jensen  served as President of
     Sunset Life Insurance Company of America, a subsidiary of Registrant,  from
     1973 until his  retirement in 1999. Mr. Ross has been Chairman of the Board
     of Jefferson Bank and Trust Company, St. Louis, Missouri,  since 1983. Mrs.
     Solberg    became   a   Regional    President   and   Senior   Partner   of
     Fleishman-Hillard,  Inc., in January,  1998.  She had been  Executive  Vice
     President  since  1984.  Mr. Winn is retired as the Kansas  Third  District
     Representative to the U.S. Congress.

    Name, Age and                           Business Experience
      Position                              During Past 5 Years

J. R. Bixby, 74            Chairman since 1972; President from 1964 until he
Chairman of the Board      retired in April, 1990.  Responsible for overall
                           corporate policy.  Chairman of the Board of Sunset
                           Life and Old American, subsidiaries.

W. E. Bixby, 66            Vice Chairman of the Board since 1974; elected
                           Executive Vice President in January, 1987;
                           President and CEO from 1990 until he retired in
                           April, 1998.  Chairman of the Board of Sunset Life
                           and Old American, subsidiaries, until his death on
                           September 27, 1999.

    Name, Age and                           Business Experience
      Position                              During Past 5 Years

R. Philip Bixby, 46        Elected Assistant Secretary in 1979; Assistant Vice
President, CEO and Vice    President in 1982; Vice President in 1984; Senior
Chairman of the Board      Vice President, Operations in 1990; Executive Vice
                           President in 1996; President and CEO in April, 1998;
                           and Vice Chairman of the Board in January, 2000.
                           Director and President of Sunset Life and Director
                           of Old American, subsidiaries.

Richard L. Finn, 58        Elected Vice President in 1976; Financial Vice Presi-
Senior Vice President,     dent in 1983; and to present position in 1984.  Chief
Finance                    financial officer and responsible for investment of
                           the Company's funds, accounting and taxes.  Director
                           and Treasurer of Sunset Life and Director, Vice
                           President and Chief Financial Officer and Assistant
                           Treasurer of Old American, subsidiaries.

Jack D. Hayes, 59          Elected Senior Vice President, Marketing in February,
Senior Vice President,     1994.  Responsible for Marketing, Marketing Adminis-
Marketing                  tration, Communications and Public Relations.  Served
                           as Executive Vice President and Chief Marketing
                           Officer of Fidelity Union Life, Dallas, Texas, from
                           June, 1981 to January, 1994.

Francis  P. Lemery, 60     Elected Vice President in 1979; Vice President and
Senior Vice President      Actuary in 1980; and to present position in 1984.
and Actuary                Responsible for Group Insurance Department, Actuarial
                           Services, State Compliance, New Business and Under-
                           writing.  Director of Sunset Life and Old American,
                           subsidiaries.  Retired November 30, 1999.

Mark A. Milton, 41         Elected Assistant Actuary in 1984; Assistant Vice
Vice President             President/Associate Actuary in 1987; Vice President/
and Actuary                Associate Actuary in 1989; and to present position
                           in January, 2000.  Responsible for Actuarial Services
                           and State Compliance.  Director, Vice President and
                           Actuary of Sunset Life, a subsidiary.

Michael P. Horton, 57      Elected Director, Group Life/Sales in 1977; Assistant
Vice President, Group      Vice President, Group in 1981; and to present
                           position in 1984.  Responsible for group sales and
                           products.

Robert C. Miller, 53       Elected Assistant Auditor in 1972; Auditor in 1973;
Senior Vice President,     Vice President and Auditor in 1987; and to present
Administrative Services    position in 1991.  Responsible for Human Resources
                           and Home Office building and maintenance.

Charles R. Duffy, Jr., 52  Elected Vice President, Computer Information Services
Senior Vice President,     in 1989; Vice President, Insurance Administration in
Operations                 1992; and to present position in 1996.  Responsible
                           for the Company's Computer Operations, Customer
                           Services, Claims, Premium Collection, Agency Adminis-
                           tration, New Business and Underwriting.  Director of
                           Sunset Life and Old American, subsidiaries.

John K. Koetting, 54       Elected Assistant Controller in 1975; and to present
Vice President and         position in 1980.  Chief accounting officer
Controller                 responsible for all corporate accounting reports.
                           Director of Old American, a subsidiary.

    Name, Age and                           Business Experience
      Position                              During Past 5 Years

C. John Malacarne, 58      Elected Associate General Counsel in 1976; General
Vice President, General    Counsel in 1980; Vice President and General Counsel
Counsel and Secretary      in 1981; and to present position in 1991.
                           Responsible for Legal Department, Office of the
                           Secretary, Stock Transfer Department and Market
                           Compliance.  Director and Secretary of Sunset Life
                           and Old American, subsidiaries.

     (d) J. R. Bixby,  Chairman of the Board, and W. E. Bixby,  Vice Chairman of
the Board, were brothers.  Nancy Bixby Hudson is the daughter of J. R. Bixby; R.
Philip Bixby and W. E. Bixby, III are the sons of W. E. Bixby.

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

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


Item 11.  EXECUTIVE COMPENSATION

         (a)  Compensation

     The following table sets forth  information  concerning  cash  compensation
paid or accrued  by the  Company  and its  subsidiaries  to the Chief  Executive
Officer and the other four most highly  paid  executive  officers as of December
31, 1999 for the fiscal years ending December 31, 1999, 1998 and 1997.

                           SUMMARY COMPENSATION TABLE

                                                   Long Term    Other     All
                           Annual Compensation     Incentive    Annual   Other
                                                   Compensa-    Compen-  Compen-
      Name and                   Salary    Bonus  tion Payouts  sation   sation
 Principal Position      Year      $         $           $           $        $
R. P. Bixby, Presi-      1999    405,180   41,931         0      7,000    26,853
dent, CEO and Vice       1998    348,692   77,971         0      7,000    22,857
Chairman of the Board,   1997    284,700      400   132,660      4,750    29,820
Kansas City Life;
Director of Sunset
Life and Old American,
subsidiaries.

R. L. Finn, Senior       1999    231,720   22,680         0      7,000    17,650
Vice President,          1998    221,712   33,748         0      7,000    17,842
Finance and Director,    1997    212,160      400   151,560      7,000    25,540
Kansas City Life;
Director of Sunset
Life and Old American,
subsidiaries.            _______________________________________________________

F. P. Lemery, Senior     1999    212,410   12,258         0      7,000    18,206
Vice President and       1998    221,712   33,748         0      7,000    17,842
Actuary and Director,    1997    212,160      400   151,560      7,000    25,540
Kansas City Life;
Director of Sunset
Life and Old American,
subsidiaries.  Retired
November 30, 1999.
                                                   Long Term    Other     All
                           Annual Compensation     Incentive    Annual   Other
                                                   Compensa-    Compen-  Compen-
      Name and                   Salary    Bonus  tion Payouts  sation   sation
Principal Position       Year      $         $           $           $        $

J. D. Hayes, Senior      1999    201,300   39,973         0      4,000    15,275
Vice President, Mar-     1998    192,624   71,211         0      4,000    15,621
keting, and Director,    1997    184,320      400   132,930      4,000    22,309
Kansas City Life.

D. D. Jensen, Direc-     1999    193,418   35,088         0      6,000    16,533
tor, Kansas City Life;   1998    201,900      400         0      6,000    16,207
Vice Chairman of the     1997    193,200   18,097   138,000      6,000    23,217
Board, President and
Manager of Western
Operations, Sunset Life
a subsidiary.  Retired
as an officer of Sunset
Life November 30, 1999.  _______________________________________________________

C. R. Duffy, Jr.,        1999    188,760   18,349         0      3,000    12,483
Senior Vice President,   1998    175,572   31,400         0          0    12,699
Operations, Kansas City  1997    163,320      160         0          0    11,956
Life; Director of Sunset
Life and Old American,
subsidiaries.            _______________________________________________________

C. J. Malacarne, Vice    1999    193,980   20,403         0      7,000    14,718
President, General       1998    185,592   23,244         0      7,000    14,861
Counsel and Secretary    1997    177,600      400   126,855      7,000    21,306
and Director, Kansas
City Life; Director
and Secretary of Sunset
Life and Old American,
subsidiaries.            _______________________________________________________


ALL OTHER COMPENSATION INCLUDES THE FOLLOWING:

     The Company has a contributory Internal Revenue Code Section 401(k) savings
and profit  sharing plan.  Directors and officers who are full time employees of
the Registrant or its subsidiaries  participate in the plan on the same basis as
all other  employees.  Employees may contribute  from 1% to 15% of their monthly
base salary.  Highly  compensated  employees are limited to contributions of 6%.
The Company  contributes  an amount  equal to 50%,  75% or 100% of the  employee
contributions  based on a schedule of years of  employment to a maximum of 6% of
an  employee's  compensation  in the form of capital  stock of the Company.  The
amount contributed to the plan in 1999 for the accounts of the named individuals
are as follows: R. P. Bixby,  $9,210; R. L. Finn, $9,219; F. P. Lemery,  $9,219;
J. D. Hayes,  $9,193;  D. D.  Jensen,  $9,198;  C. R. Duffy,  Jr.,$9,199;  C. J.
Malacarne, $9,199.

     The Company  has  adopted a  nonqualified  deferred  compensation  plan for
approximately 43 highly compensated officers and employees. It is similar to the
Company's 401(k) plan.  Participants  contribute  amounts to this plan that they
cannot  contribute  to the  401(k)  plan up to a total of 15% of  their  monthly
salary  and the  Company  contributes  up to a  maximum  of 6% of their  monthly
salary. The amount contributed to the plan in 1999 for the accounts of the named
indi-viduals are as follows:  R. P. Bixby,  $15,101;  R. L. Finn,  $4,684; F. P.
Lemery,  $3,525; J. D. Hayes,  $2,885;  D. D. Jensen,  $2,407; C. R. Duffy, Jr.,
$2,126; C. J. Malacarne, $2,440.

The Company  provides  yearly  renewable  term insurance to its employees in the
amount of 2 1/2 times their annual  salary.  Directors and officers who are full
time  employees  participate  in the  program  on the same  basis  as all  other
employees.  Premiums paid for the named individuals for 1999 are as follows:  R.
P. Bixby, $2,542; R. L. Finn, $3,747; F. P. Lemery, $5,462; J. D. Hayes, $3,197;
D. D. Jensen, $4,928; C. R. Duffy, Jr., $1,158; C. J. Malacarne, $3,079.

     (f) Defined Benefit or Actuarial Plan Disclosure

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

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

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

                                   PENSION PLAN TABLE

Compensation                        Years of Service                        SS**

                      10           20           30           40

  $ 75,000         $ 18,750     $ 37,500     $ 51,743*    $ 51,753*      $16,495
   100,000           25,000       50,000       70,000       71,753*       16,495
   125,000           31,250       62,500       87,500       91,753*       16,495
   150,000           37,500       75,000      105,000      111,753*       16,495
   200,000           50,000      100,000      140,000      151,753*       16,495
   250,000           62,500      125,000      175,000      191,753*       16,495
   300,000           75,000      150,000      210,000      231,753*       16,495
   350,000           87,500      175,000      245,000      271,753*       16,495
   400,000          100,000      200,000      280,000      311,753*       16,495
   450,000          112,500      225,000      315,000      351,753*       16,495
   500,000          125,000      250,000      350,000      391,753*       16,495

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

     A participant's base salary not to exceed $150,000 (as adjusted for cost of
living) commencing January 1, 1994, was used to determine compensation under the
plan for benefits from the qualified plan. For the individuals named in the Cash
Compensation  Table, the years of service covered by the plan for the year ended
December 31, 1999,  were: R. P. Bixby,  22 years;  R. L. Finn,  26 years;  J. D.
Hayes, 6 years; C. R. Duffy, Jr., 10 years; C. J. Malacarne, 33 years.

     The estimated annual annuity benefit payable starting at normal  retirement
age (age 65) as accrued  through  December  31, 1999 under the cash balance plan
for each of the named individuals are as follows: R. P. Bixby,  $170,058;  R. L.
Finn,  $131,209;  J.  D.  Hayes,  $20,609;  C. R.  Duffy,  Jr.,  $30,196;  C. J.
Malacarne,  $128,788. At their retirement on November 30, 1999, F. P. Lemery and
D. D. Jensen elected a lump sum  distribution  and are not entitled to any other
benefits under the plan.

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

     (g) Compensation of Directors

     Outside Directors are paid $4,000 quarterly;  $2,000 if they attend Special
Board Meetings; $1,000 if they attend Executive Committee Meetings; $500 if they
attend all other Committee Meetings.  Inside Directors are paid $1,000 quarterly
and $400 if they attend  Special Board  Meetings.  J. R. Bixby,  Chairman of the
Board,  is  paid  $30,000  quarterly.   Outside  Directors  of  Sunset  Life,  a
subsidiary, are paid $1,000 quarterly, inside Directors are paid $500 quarterly.
Directors of Old American are paid $250 quarterly. Director fees are included in
the Compensation Table.

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

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

     (j) Additional Information with Respect to Compensation Committee

     The members of the Compensation Committee: Webb R. Gilmore, Michael J. Ross
and Larry Winn, Jr.


Item 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS
          AND MANAGEMENT

     (a) Security Ownership of Certain Beneficial Owners

     The  following  table sets  forth  information  as of  February  29,  2000,
     con-cerning certain beneficial owners of voting securities of the Company's
     $1.25 par value capital  stock  ("Common  Stock").  The Common Stock is the
     Company's only class of voting securities. As described in the notes to the
     table set forth below,  certain named persons share the power of voting and
     disposition  with respect to certain shares of Common Stock.  Consequently,
     such shares are shown as being beneficially owned by more than one person.

                   Name and Address                       Percent of Class

         John K. Koetting, Robert C. Miller
         and Anne C. Moberg, Trustees of the
         Kansas City Life Insurance Company
         Savings and Profit Sharing Plan and
         the Kansas City Life Employee Stock Plan
         3520 Broadway
         Kansas City, MO 64111-2565

         Amount and Nature of Ownership(1)

                  817,591 Shares                                 6.8

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

         Amount and Nature of Ownership(2)

                   2,358,340 Shares                             19.6

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

         Amount and Nature of Ownership(2)(3)

                   3,068,028 Shares                             25.5

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

         Amount and Nature of Ownership(4)

                   2,966,312 Shares                             24.7

         Margie Morris Bixby
         3530 Pennsylvania
         Kansas City, MO 64111

         Amount and Nature of Ownership(4)(5)

                   2,968,112 Shares                             24.7

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

         Amount and Nature of Ownership(4)(6)

                   2,973,410 Shares                             24.7

(1)  Trustees have the power to sell plan assets.  Participants may instruct the
     Trustees how to vote their shares.

(2)  The  WEB   Interests,   Ltd.,  a  Texas  limited   partnership   (the  "WEB
     Partnership") shares with its general partners and co-managing partners the
     power  to  dis-pose  of  these  shares.  The  general  partners  of the WEB
     Partnership  are R. Philip Bixby,  W. E. Bixby,  III,  Angeline I. O'Connor
     ("Ms.  O'Connor") and the co-trustees of the Walter E. Bixby, Jr. Revocable
     Trust ("WEB Trust"). R. Philip Bixby, W. E. Bixby, III and Ms. O'Connor are
     the co-managing  partners of the WEB Partnership and the co-trustees of the
     WEB Trust.  Each partner of the WEB  Partnership has the power to vote that
     number of shares of Common  Stock  owned by the WEB  Partnership  which are
     equal to such partner's proportionate interest in the WEB Partnership.

(3)  Includes  2,358,340  shares  for which  Ms.  O'Connor  shares  the power of
     disposition, as a co-managing  partner and a general  partner of the WEB
     Partnership.  Of these shares, Ms. O'Connor: (i) as a co-trustee of the WEB
     Trust,  shares the power to vote 2,151,562 shares; (ii) as the sole trustee
     of the  Angeline I.  O'Connor GST Trust and the Issue Trust for Angeline I.
     O'Connor, which trusts are limited partners of the WEB Partnership, has the
     power to vote  61,362  shares;  and (iii) as a general  partner  of the WEB
     Partnership,  has the sole power to vote 217  shares.  Also  includes:  (i)
     356,000 shares for which Ms. O'Connor, as a co-trustee with R. Philip Bixby
     and W. E. Bixby, III of the Walter E. Bixby Descendants  Trust,  shares the
     power to vote and the power of  disposition;  and (ii) 353,688 shares which
     Ms.  O'Connor  owns  directly  and has the sole  power to vote and the sole
     power of disposition.

(4)  The  JRB   Interests,   Ltd.,  a  Texas  limited   partnership   (the  "JRB
     Partnership"),  shares with its general partners and its managing  partner,
     J. R.  Bixby,  the power to  dispose,or  direct  the  disposition  of these
     shares. The general partners of the JRB Partnership are the trustees of the
     Joseph R. Bixby  Revocable  Trust  (the "JRB  Trust"),  the  trustee of the
     Margie Morris Bixby Revocable  Trust (the "MMB Trust"),  Nancy Bixby Hudson
     and Lee M. Vogel ("Mr. Vogel"). Each partner of the JRB Partnership has the
     power to vote  that  number of  shares  of  Common  Stock  owned by the JRB
     Partnership which are equal to such partner's proportionate interest in the
     JRB Partnership.

(5)  Includes  2,966,312  shares for which Margie Morris Bixby ("MM Bixby"),  as
     trustee of the MMB Trust, a general  partner and limited partner of the JRB
     Partnership,  shares the power of disposition.  Of these shares,  MM Bixby:
     (i) as sole trustee of MMB Trust, a general  partner and a limited  partner
     of the JRB  Partnership,has  the sole power to vote 27,474 shares; and (ii)
     as a limited  partner  of the JRB  Partnership,  has sole power to vote 322
     shares.  Also includes  1,800 shares for which MM Bixby,  as a joint tenant
     with right of survivorship with Mr. Vogel, shares the power to vote and the
     power of disposition.

(6)  Includes  2,966,312  shares for which Lee M. Vogel, as a general partner of
     the JRB Partnership,  shares the power of disposition. Of these shares, Mr.
     Vogel: (i) as a general partner of the JRB Partnership,  has the sole power
     to vote 272 shares;  and (ii) as a  co-trustee  with Richard L. Finn and C.
     John  Malacarne of the Issue Trust for Lee M. Vogel,  a limited  partner of
     the JRB Partnership, shares the power to vote 89,877 shares. Also includes:
     (i) 1,800  shares  for which Mr.  Vogel,  as a joint  tenant  with right of
     survivorship  with MM  Bixby,  shares  the  power to vote and the  power of
     disposition;  and (ii) 5,298 shares  which Mr. Vogel owns  directly and has
     the sole power to vote and the sole power of disposition.

               (b) Security Ownership of Management

          As described in the notes to the table set forth below,  certain named
     persons share the power of voting and  disposition  with respect to certain
     shares  of  Common  Stock.  Consequently,  such  shares  are shown as being
     beneficially owned by more than one person.

          The following  persons are currently  Directors  whose terms expire on
     April 20, 2000.  They are also nominees of management for election to three
     year terms at the annual meeting to be held April 20, 2000:

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

J. R. Bixby               Chairman of the        1957     2,966,312(1)      24.7
3520 Broadway             Board
Kansas City, MO

R. Philip Bixby           President, CEO         1985     2,358,340(2)(3)   25.7
3520 Broadway             and Vice Chairman                  14,387(4)
Kansas City, MO           of the Board                      356,000(5)
                                                            363,782(6)

Richard L. Finn           Senior Vice Presi-     1983            24          2.0
3520 Broadway             dent, Finance                      14,388(4)
Kansas City, MO                                             245,454(7)

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

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

The following Directors were elected April 23, 1998 for a three year term:

Jack D. Hayes             Senior Vice Presi-     1995           500           *
3520 Broadway             dent, Marketing                     1,602(4)
Kansas City, MO

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

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

W. E. Bixby,  former Vice Chairman of the Board,  served as a Director until his
death on September 27, 1999. Francis P. Lemery, former Senior Vice President and
Actuary,  served as a Director until his retirement November 30, 1999. The Board
of Directors have not yet elected replacement  Directors to serve the balance of
Mr. Bixby's or Mr. Lemery's unexpired terms.

The following Directors were elected April 22, 1999 for a three year term:

W. E. Bixby, III          President, Old         1996     2,358,340(2)(8)   25.6
3520 Broadway             American Insur-                   364,096(9)
Kansas City, MO           ance Company,                       5,496(4)
                          Kansas City, MO                   356,000(5)

Webb R. Gilmore           Chairman, CEO          1990         1,000           *
833 Westover Rd.          and Shareholder,
Kansas City, MO           Gilmore & Bell,
                          Kansas City, MO

Nancy Bixby Hudson        Investor               1996     2,966,312(10)     27.4
425 Baldwin Creek Rd.                                       331,566(11)
Lander, WY

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

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

C. John Malacarne         Vice President,        1991            20          2.0
3520 Broadway             General Counsel                    13,172(4)
Kansas City, MO           and Secretary                     245,454(7)

All Directors, executive officers
and their spouses (also includes all
shares held by trustees of Company
benefit plans and shares held by the
Bixby Family and related Trusts)                          8,318,348         69.2

     *Less than 1%.

(1)  J. R. Bixby, as sole managing  partner of the JRB  Partnership,  shares the
     power of  disposition  of these  shares  with the JRB  Partnership  and the
     general partners of the JRB Partnership.  He has the sole power to vote (i)
     2,692,194 of these shares,  as sole trustee of the JRB Revocable  Trust,  a
     general partner and a limited partner of the JRB Partnership,  and (ii) 322
     of these shares, as a limited partner of the JRB Partnership.

(2)  As co-managing partners and general partners of the WEB Partnership,  W. E.
     Bixby,  III and R. Philip Bixby,  along with Ms. O'Connor and the WEB Part-
     nership,  share the power to dispose of these shares. As co-trustees of the
     WEB Trust, W. E. Bixby,  III and R. Philip Bixby,  along with Ms. O'Connor,
     share the power to vote 2,151,562 of these shares.

(3)  Includes (i) 518 shares for which R. Philip Bixby, as a general partner and
     a limited partner of the WEB  Partnership,  has the sole power to vote; and
     (ii) 61,362  shares for which R. Philip  Bixby,  as sole  trustee of the R.
     Philip  Bixby  GST Trust and the Issue  Trust for R.  Philip  Bixby,  which
     trusts are limited partners of the WEB  Partnership,  has the sole power to
     vote.

(4)  Approximate  beneficial  interest in shares held by the  trustees of Kansas
     City Life Insurance  Company employee benefit plans.  Participants have the
     power to vote the shares held in their account.

(5)  These shares are held in the Walter E. Bixby  Descendants  Trust. R. Philip
     Bixby,  W. E. Bixby,  III and Angeline I. O'Connor are the  co-trustees  of
     this  trust and share the power to vote and the power to  dispose  of these
     shares. The terms of the trust restrict transferring shares.

(6)  Includes (i) 346,234 shares which R. Philip Bixby owns directly and has the
     sole  power to vote and the sole  power  of  disposition;  and (ii)  17,548
     shares for which R. Philip  Bixby,  as  custodian  for certain of his minor
     nieces  and  nephews,  has the sole  power  to vote  and the sole  power of
     disposition.

(7)  Richard L. Finn and C. John Malacarne  share the power to vote: (i) 155,577
     shares with Ms. Hudson,  as co-trustees of the Nancy Bixby Hudson GST Trust
     and the Issue  Trust for Nancy  Bixby  Hudson,  which  trusts  are  limited
     partners of the JRB Partnership;  and (ii) 89,877 shares with Mr. Vogel, as
     co-trustees of the Issue Trust for Lee M. Vogel,  a limited  partner of the
     JRB Partnership.

(8)  Includes (i) 217 shares for which W. E. Bixby, III, as a general partner of
     the WEB Partnership, has the sole power to vote; and (ii) 61,362 shares for
     which W. E. Bixby, III, as the sole trustee of the Walter E. Bixby, III GST
     Trust and the Issue  Trust for  Walter E.  Bixby,  III,  which  trusts  are
     limited partners of the WEB Partnership, has the sole power to vote.

(9)  Includes (i) 351,420  shares which W. E. Bixby,  III owns  directly and has
     the sole power to vote and the sole power of  disposition;  and (ii) 12,676
     shares for which W. E. Bixby,  III, as  custodian  for certain of his minor
     nieces  and  nephews,  has the sole  power  to vote  and the sole  power of
     disposition.

(10) Ms. Hudson,  as a general partner of the JRB Partnership,  shares the power
     of  disposition  of these  shares with the JRB  Partnership,  the  managing
     partner and other general partners of the JRB Partnership. Ms. Hudson, as a
     general partner of the JRB Partnership,  also has sole power to vote 272 of
     these  shares  and shares the power to vote  155,577 of these  shares  with
     Richard L. Finn and C. John  Malacarne  as  co-trustees  of the Nancy Bixby
     Hudson GST Trust and the Issue Trust for Nancy Bixby  Hudson,  which trusts
     are limited partners of the JRB Partnership.

(11) Ms. Hudson,  as sole trustee of the Nancy Bixby Hudson Trust dated December
     11, 1997, has the sole power to vote and the sole power to dispose of these
     shares.



Item 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

         None.


                                                           PART IV


Item 14.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND
          REPORTS ON FORM 8-K

         (a)(1)  Financial Statements

     The following  financial  statements of Kansas City Life Insurance  Company
are  incorporated by reference from the Company's  Annual Report to Shareholders
for the year ended December 31, 1999 at the following pages:

                                                                      Page

   Consolidated Income Statement - Years ended
      December 31, 1999, 1998 and 1997 . . . . . . . . . . . . . . .   28
   Consolidated Balance Sheet -
      December 31, 1999 and 1998 . . . . . . . . . . . . . . . . . .   29
   Consolidated Statement of Stockholders' Equity -
      Years ended December 31, 1999, 1998 and 1997 . . . . . . . . .   30
   Consolidated Statement of Cash Flows -
      Years ended December 31, 1999, 1998 and 1997 . . . . . . . . .   31
   Notes to Consolidated Financial Statements  . . . . . . . . . . . 32-42
   Report of Independent Auditors  . . . . . . . . . . . . . . . . .   43

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

         Schedules are attached hereto at the following pages:

                                                                      Page

   I   - Summary of Investments - Other than Investments
            in Related Parties, December 31, 1999  . . . . . . . . .   21
   II  - Condensed Financial Information of Registrant,
            Years ended December 31, 1999, 1998 and 1997 . . . . . . 22-24
   III - Supplementary Insurance Information, Years ended
            December 31, 1999, 1998 and 1997 . . . . . . . . . . . .   25
   IV  - Reinsurance Information, Years ended
            December 31, 1999, 1998 and 1997 . . . . . . . . . . . .   26
   V   - Valuation and Qualifying Accounts, Years ended
            December 31, 1999, 1998 and 1997 . . . . . . . . . . . .   27

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

         (b)  Reports on Form 8-K

              None.

         (c)  Exhibits

           Exhibit
           Number:                           Basic Documents:

          3(a) Articles  of  Incorporation  (as  Restated in 1986 and Amended in
               1999).  [Filed as Exhibit 3(a) to the  Company's  10-Q Report for
               the quarter ended September 30, 1999 and incor- porated herein by
               reference]

          3(b) Bylaws as Amended October 26, 1986. [Filed as Exhibit 3(b) to the
               Company's  10-K  Report  for  1986  and  incorporated  herein  by
               reference]

          4(a) Specimen copy of Stock Certificate. [Filed as Exhibit 4(a) to the
               Company's  10-Q Report for the quarter  ended  September 30, 1999
               and incorporated herein by reference]

          10(a)Seventh Amendment,  Kansas City Life Deferred  Compensation Plan.
               [Filed as Exhibit 10(a) to the Company's 10-K Report for 1998 and
               incorporated herein by reference]

          10(b)Twenty-third  Amendment,   Kansas  City  Life  Insurance  Company
               Savings and Profit Sharing Plan.

          10(c)Eleventh Amendment, Kansas City Life Employee Stock Plan.

          10(d)Second Amendment, Kansas City Life Excess Benefit Plan.

          13   Annual  Report to  Shareholders  for the year ended  December 31,
               1999.

          21   Subsidiaries.

          23(a)Consent of Independent Auditors.

          23(b)Consent of Independent Auditors.

          27   Financial Data Schedule.

          99(a)Form 11-K for the Kansas City Life Insurance  Company Savings and
               Profit  Sharing Plan for the year 1999 and filed as a part hereof
               and incorporated herein by reference.

          99(b)Prospectus  for Kansas City Life  Insurance  Company  Savings and
               Investment  Plan.  [Filed as Exhibit 99(b) to the Company's  10-K
               Report for 1995 and incorporated herein by reference]

                                                         SIGNATURES



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



KANSAS CITY LIFE INSURANCE COMPANY



By: /s/ John K. Koetting
    John K. Koetting
    Vice President and Controller
    (Principal Accounting Officer)
Date: March 28, 2000





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



By: /s/ R. Philip Bixby                      By: /s/ Richard L. Finn
    R. Philip Bixby                              Richard L. Finn
    Director; President, Chief                   Director; Senior Vice
    Executive Officer and Vice                   President, Finance
    Chairman of the Board                        (Principal Financial Officer)
    (Principal Executive Officer)            Date: March 28, 2000
Date: March 28, 2000



By: /s/ J. R. Bixby                          By: /s/ C. John Malacarne
    J. R. Bixby                                  C. John Malacarne
    Director; Chairman of                        Director; Vice President,
    the Board                                    General Counsel and Secretary
Date: March 28, 2000                           Date: March 28, 2000



By: /s/ W. E. Bixby, III                     By: /s/ Daryl D. Jensen
    W. E. Bixby, III                             Daryl D. Jensen
    Director                                     Director
Date: March 28, 2000                           Date: March 28, 2000



By: /s/ Jack D. Hayes                        By: /s/ Warren J. Hunzicker, M.D.
    Jack D. Hayes                                Warren J. Hunzicker, M.D.
    Director; Senior Vice                        Director
    President, Marketing                     Date: March 28, 2000
Date: March 28, 2000

                                                            Schedule I




                       KANSAS CITY LIFE INSURANCE COMPANY
                       SUMMARY OF INVESTMENTS - OTHER THAN
                         INVESTMENTS IN RELATED PARTIES
                                December 31, 1999



                                                                      Amount at
                                                                     Which Shown
                                                             Fair    in Balance
           Type of Investment                   Cost         Value      Sheet

                                                         (in thousands)

Fixed maturity securities,
available for sale:
  Bonds:
    United States government and government
      agencies and authorities               $   47,264       46,827     46,827
    Mortgage-backed securities                  299,933      301,975    301,975
    States, municipalities and political
      subdivisions                               24,482       24,047     24,047
    Public utilities                            270,618      261,458    261,458
    All other bonds                           1,436,296    1,364,043  1,364,043
  Redeemable preferred stocks                       865          865        865
    Total                                     2,079,458    1,999,215  1,999,215

Equity securities, available for sale:
  Common stocks                                  47,580       47,441     47,441
  Perpetual preferred stocks                     74,791       68,527     68,527
    Total                                       122,371      115,968    115,968

Fixed maturity securities,
held to maturity:
  Bonds:
    United States government and government
      agencies and authorities                    4,528        4,585      4,528
    States, municipalities and political
      subdivisions                                1,548        1,602      1,548
    Public utilities                             18,101       18,799     18,101
    All other bonds                              83,429       82,584     83,429
      Total                                     107,606      107,570    107,606

Mortgage loans on real estate, net              340,704                 340,704
Real estate, net                                 42,011                  42,011
Real estate joint ventures                       37,336                  37,336
Policy loans                                    118,521                 118,521
Short-term                                       19,380                  19,380
    Total investments                        $2,867,387               2,780,741


                                                            Schedule II




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



                                                                 December 31

                                                            1999         1998

                                                                (in thousands)

Assets
Investments:
  Fixed maturity securities:
    Available for sale, at fair value                     $1,516,472  1,614,849
    Held to maturity, at amortized cost                       64,608     68,354
  Equity securities available for sale, at fair value:
    Investments in affiliates                                227,007    237,340
    Other                                                     89,376     72,314
  Mortgage loans on real estate, net                         262,380    254,987
  Real estate, net                                            41,390     43,227
  Real estate joint ventures                                  29,169     30,758
  Policy loans                                                97,386    101,620
  Short-term                                                  12,956     36,235
Total investments                                          2,340,744  2,459,684

Deferred acquisition costs                                   116,696    102,850
Value of purchased insurance in force                         63,429     68,557
Cash                                                          18,537     10,138
Deferred income tax asset                                     14,717          -
Other                                                        108,889     95,658
Separate account assets                                      259,899    143,008

    Total assets                                          $2,922,911  2,879,895

Liabilities and stockholders' equity
Future policy benefits                                    $  541,126    539,767
Accumulated contract values                                1,355,404  1,397,507
Other                                                        272,677    221,680
Separate account liabilities                                 259,899    143,008
    Total liabilities                                      2,429,106  2,301,962

Stockholders' equity:
  Common stock                                                23,121     23,121
  Paid in capital                                             18,498     17,633
  Accumulated other comprehensive income (loss)              (59,095)    45,466
  Retained earnings including $136,800,000 undis-
    tributed earnings of affiliates ($122,535,000 - 1998)    614,278    581,074
  Less treasury stock, at cost                              (102,997)   (89,361)
    Total stockholders' equity                               493,805    577,933

    Total liabilities and stockholders' equity            $2,922,911  2,879,895



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


                                                            Schedule II
                                                            (continued)




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



                                                     Years ended December 31

                                              1999          1998          1997

                                                          (in thousands)

Revenues
Insurance revenues:
  Premiums:
    Life insurance                         $ 30,684        31,899        28,145
    Accident and health                      40,524        37,963        39,435
    Contract charges                         82,065        82,273        68,431
   Investment revenues:
     Investment income, net                 153,348       151,401       147,776
     Dividends from affiliates                    0           100           150
     Realized investment gains, net           1,208         9,198        13,175
Other                                         9,690        10,359         5,786
  Total revenues                            317,519       323,193       302,898
Benefits and expenses
Policy benefits:
  Death benefits                             60,372        58,929        51,762
  Surrenders of life insurance               10,177        14,589        11,280
  Other benefits                             65,838        64,404        62,997
  Increase in benefit and contract reserves  60,753        58,118        56,126
Amortization of deferred policy
  acquisition costs                          12,443        16,861        15,138
Insurance operating expenses                 73,551        70,443        66,376
Management fees from affiliates              (8,940)       (5,923)       (6,291)
  Total benefits and expenses               274,194       277,421       257,388

Income before federal income taxes and
  equity in undistributed net income
  of affiliates                              43,325        45,772        45,510

Federal income taxes                         12,545        12,538        12,602

Income before equity in undistributed
  net income of affiliates                   30,780        33,234        32,908

Equity in undistributed net income
  of affiliates                              14,265        15,278        11,953

Net income                                 $ 45,045        48,512        44,861



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

                                                            Schedule II
                                                            (continued)





                       KANSAS CITY LIFE INSURANCE COMPANY
                  CONDENSED FINANCIAL INFORMATION OF REGISTRANT
                             STATEMENT OF CASH FLOWS



                                                     Years ended December 31

                                             1999          1998          1997

                                                          (in thousands)

Net cash from operating activities         $ 38,924        40,286        14,081

Investing activities
  Investments called, matured or repaid     145,574       218,805       215,239
  Decrease (increase) in short-term
    investments, net                         23,279         9,968       (35,291)
  Investments sold                          382,401       364,541       492,920
  Investments purchased or originated      (576,854)     (620,514)     (840,802)
  Other                                       4,346         3,403         3,685
  Acquisitions and dispositions of insur-
    ance blocks - net cash received (paid)   (5,162)      (13,250)      213,092
  Net cash from (used in)
    investing activities                    (26,416)      (37,047)       48,843

Financing activities
  Proceeds from borrowings                   89,950             -       245,050
  Repayment of borrowings                   (25,950)            -      (245,050)
  Policyowner contract deposits             105,018       126,743       119,639
  Withdrawals of policyowner
    contract deposits                      (148,515)     (154,172)     (127,341)
  Cash dividends to stockholders            (11,841)      (11,153)      (10,894)
  Other                                     (12,771)          962           278

  Net cash used in financing activities      (4,109)      (37,620)      (18,318)

Increase (decrease) in cash                   8,399       (34,381)       44,606
Cash at beginning of year                    10,138        44,519           (87)

  Cash at end of year                      $ 18,537        10,138        44,519



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

                                                            Schedule III


                       KANSAS CITY LIFE INSURANCE COMPANY
                       SUPPLEMENTARY INSURANCE INFORMATION


                                       Future Policy
                        Deferred     Benefits, Contract                  Other
                       Acquisition   Values and Claim    Unearned Policyholders'
                         Costs          Liabilities      Premiums       Funds
                                               (in thousands)

December 31, 1999:
KCL - Individual        $116,696          1,902,425           505      133,458
KCL - Group                    -             16,094            54            -
Sunset                    49,606            380,615           124       10,611
Old American              70,068            253,849           405        7,468
  Total                 $236,370          2,552,983         1,088      151,537

December 31, 1998:
KCL - Individual        $102,850          1,939,018           330      120,781
KCL - Group                    -             19,070            55            -
Sunset                    47,240            380,134            17       10,966
Old American              68,867            249,729           413        5,197
  Total                 $218,957          2,587,951           815      136,944

December 31, 1997:
KCL - Individual        $ 95,638          1,970,235           306      114,504
KCL - Group                    -             20,685            91            -
Sunset                    47,044            373,228            31       11,117
Old American              67,144            232,292           520        4,348
  Total                 $209,826          2,596,440           948      129,969


                                          Insurance      Accident and
                         Policy           Operating     Health Written
                        Benefits          Expenses@        Premiums
                                        (in thousands)

1999:                                                               @Allocations
KCL - Individual        $162,336             47,828            362  of Insurance
KCL - Group               34,804             20,872         41,411  Operating
Sunset                    30,242             10,867             27  Expenses are
Old American              53,790             18,351          2,085  based on a
  Total                 $281,172             97,918         43,885  number of
                                                                    assumptions
1998:                                                               and esti-
KCL - Individual        $161,236             47,517            385  mates, and
KCL - Group               34,801             20,289         38,820  the results
Sunset                    29,255             10,290             28  would change
Old American              58,048             17,372          4,354  if different
  Total                 $283,340             95,468         43,587  methods were
                                                                    applied.
1997:
KCL - Individual        $145,561             43,794            402
KCL - Group               36,603             19,065         40,065
Sunset                    29,756             10,896             31
Old American              61,258             16,994          5,419
  Total                 $273,178             90,749         45,917


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


                                                                     Schedule IV


                       KANSAS CITY LIFE INSURANCE COMPANY
                             REINSURANCE INFORMATION


                      Life Insurance Premiums       Accident and Health Premiums
                       1999      1998      1997         1999     1998     1997
                                               (in thousands)
Direct
KCL - Individual    $ 29,725    26,836    25,105          413      440      467
KCL - Group           11,567    12,537    12,974       50,113   46,736   46,710
Sunset                 5,491     5,656     5,049           29       31       34
Old American          81,022    83,555    85,363        6,168    6,815    7,811
  Total             $127,805   128,584   128,491       56,723   54,022   55,022

Ceded
KCL - Individual      (13,811)  (11,967)  (11,528)        (51)     (55)     (62)
KCL - Group            (2,333)   (2,181)   (2,229)     (9,951)  (9,158)  (7,680)
Sunset                 (5,879)   (4,584)   (3,642)         (2)      (3)      (3)
Old American           (7,232)   (8,016)   (8,863)     (4,083)  (2,365)  (2,346)
  Total               (29,255)  (26,748)  (26,262)    (14,087) (11,581) (10,091)

Assumed
KCL - Individual        5,536     6,674     3,822           -        -        -
KCL - Group                 -         -         -           -        -        -
Sunset                      -         -         -           -        -        -
Old American                -         -         -           -        -        -
  Total                 5,536     6,674     3,822           -        -        -
Net                  $104,086   108,510   106,051      42,636   42,441   44,931

% of Assumed to Net         5         6         4           -        -        -

                          Life Insurance in Force
                          1999      1998      1997
                               (in millions)
Direct
KCL - Individual        $ 13,386    12,569    11,768
KCL - Group                3,351     3,823     4,278
Sunset                     5,807     5,768     5,615
Old American               1,072     1,101     1,139
  Total                   23,616    23,261    22,800

Ceded
KCL - Individual          (3,726)   (2,832)   (2,111)
KCL - Group                 (270)     (256)     (295)
Sunset                    (1,371)   (1,274)     (830)
Old American                (116)     (126)     (139)
  Total                   (5,483)   (4,488)   (3,375)

Assumed
KCL - Individual           3,131     3,380     3,796
KCL - Group                    -         -         -
Sunset                         -         -         -
Old American                   -         -         -
  Total                    3,131     3,380     3,796
Net                     $ 21,264    22,153    23,221

% of Assumed to Net           15        15        16


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


                                                                      Schedule V





                       KANSAS CITY LIFE INSURANCE COMPANY
                        VALUATION AND QUALIFYING ACCOUNTS



                                                  Years ended December 31

                                               1999         1998        1997

                                                       (in thousands)

Real estate valuation account
  Beginning of year                          $ 2,877        3,686       5,227
  Deductions                                  (1,358)        (809)     (1,541)
  End of year                                $ 1,519        2,877       3,686


Mortgage loan valuation account
  Beginning of year                          $ 8,500        8,500       8,500
  Deductions                                  (1,500)           -           -
  End of year                                $ 7,000        8,500       8,500


Allowance for uncollectible accounts
  Beginning of year                          $ 1,337        1,209       1,160
  Additions                                      491          449         230
  Deductions                                    (273)        (321)       (181)
  End of year                                $ 1,555        1,337       1,209