Exhibit 99(a), Form 10-K
                                Kansas City Life
                                Insurance Company







                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D. C. 20549


                                    FORM 11-K







                   [ ] ANNUAL REPORT PURSUANT TO SECTION 15(d)
              OF THE SECURITIES EXCHANGE ACT OF 1934 [FEE REQUIRED]
                   For the fiscal year ended December 31, 2000



                                       OR



                 [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d)
            OF THE SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED]
            For the transition period from __________ to ___________



                         Commission File Number 2-40764



      A. Kansas City Life Insurance Company Savings and Profit Sharing Plan
                                  3520 Broadway
                        Kansas City, Missouri 64111-2565



                      B. Kansas City Life Insurance Company
                                  3520 Broadway
                        Kansas City, Missouri 64111-2565



Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Statement of Net Assets Available for Plan Benefits
December 31, 2000 and 1999
(in thousands)



                                                         2000      1999

Assets:
 Investments, at fair value:
  Participant directed:
   Mutual funds                                         $  16,645  17,704
   Guaranteed interest contract                             4,192   3,850
   Kansas City Life Insurance Company common stock          3,859   3,175
  Non-participant directed:
   Kansas City Life Insurance Company common stock         23,166  22,744
   Participant loans                                        1,304   1,229


     Total investments                                     49,166  48,702

 Cash                                                         228      13
 Employer's contributions receivable                        1,080       -

   Net assets available for plan benefits               $  50,474  48,715


See accompanying notes to financial statements.

<TABLE>
<CAPTION>


Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Statement of Changes in Net Assets Available for Plan Benefits
"Years ended December 31, 2000, 1999 and 1998"
(in thousands)


                                      2000                                   1999                              1998
                                       Non-                                   Non-                              Non-
                          Partici-   Partici-                  Partici-     Partici-              Partici-    Partici-
                            pant       pant                      pant         pant                  pant        pant
                          directed   directed  Total           directed     directed   Total      directed    directed    Total

<S>                      <C>         <C>      <C>             <C>           <C>      <C>          <C>         <C>       <C>
Additions to net assets
 attributed to:
 Investment income:
  Interest income            $370        16      386               402          13      415           431          8        439
  Dividend income           1,491       667    2,158             1,721         713    2,434         1,891        681      2,572
  Gain on sale of
   investments                703       218      921               675       2,466    3,141         1,201        951      2,152
  Net appreciation
   (depreciation) in fair
    value of investments   (2,964)     (554)  (3,518)              836      (7,285)  (6,449)       (1,611)    (2,441)    (4,052)

     Net investment
      income (loss)          (400)      347      (53)            3,634      (4,093)    (459)        1,912       (801)     1,111

Contributions:
 Employees                  2,146         -     2,146            2,191           -     2,191        2,207          -      2,207
 Employer                       -     2,404     2,404                -       1,379     1,379            -      1,409      1,409

  Total contributions       2,146     2,404     4,550            2,191       1,379     3,570        2,207      1,409      3,616

  Total additions           1,746     2,751     4,497            5,825      (2,714)    3,111        4,119        608      4,727

Distributions to participants
  and beneficiaries        (1,585)   (1,153)   (2,738)          (5,132)     (6,005)  (11,137)      (2,556)    (2,374)    (4,930)

Interfund transfers           (75)       75         -               40         (40)        -         (110)       110          -

   Net increase (decrease)     86     1,673     1,759              733      (8,759)   (8,026)       1,453     (1,656)      (203)

Net assets available for
 plan benefits:
 Beginning of year         24,734    23,981    48,715           24,001      32,740    56,741       22,548     34,396     56,944

 End of year              $24,820    25,654    50,474           24,734      23,981    48,715       24,001     32,740     56,741




See accompanying notes to financial statements.


</TABLE>


                                            Kansas City Life Insurance Company
                                              Savings and Profit Sharing Plan
                                               Notes To Financial Statements



(1) DESCRIPTION OF PLAN

The following description of the Kansas City Life Insurance Company Savings Plan
(the Plan) provides only general  information.  Participants should refer to the
Plan Agreement for a more comprehensive description of the Plan's provisions.

The Kansas City Life  Insurance  Company  Savings and Profit  Sharing Plan, is a
defined  contribution  benefit  plan  sponsored  by Kansas  City Life  Insurance
Company  (the  Company)  and is  subject  to  the  provisions  of  the  Employee
Retirement  Income  Security Act of 1974 (ERISA).  Management  believes it is in
compliance  with  such  provisions.  The  Plan is  administered  by a  committee
appointed by the Executive Committee of the Company. The Plan has three trustees
who are also officers of the Company. The Plan consists of nine funds, which are
invested as described in Note 3.

Contributions

Participants  may elect to  contribute  from 1 to 15 percent of their  unreduced
monthly base salary to the Plan.  Contribution  percentages  can only be changed
once in any six-month period.  The maximum  contribution for any participant who
is classified as highly compensated is 6 percent.  The maximum  contribution for
an  individual  participant  was  $10,500  in 2000,  ($10,000  - 1999 and 1998).
Participants  are allowed to direct the investment of their accounts among funds
offered by the Company.

The  Company  matches  participant  contributions,   up  to  6  percent  of  the
participant's  salary,  using  current  or  accumulated  earnings  and  profits.
Matching  contributions  are made to the Plan as soon as practical after the end
of each  month.  The  Company's  contributions  are made in common  stock of the
Company.  The Company may also  contribute  a profit  sharing  amount of up to 4
percent of salary depending upon the Company's profit performance.

The Company  made a profit  sharing  contribution  of 4 percent of salary (up to
$170,000  per   individual)   for  2000  in  January  2001.  No  profit  sharing
contributions were made for 1999 or 1998.

Eligibility

Each  employee  who is at  least  21 years  of age,  has  completed  one year of
employment, and has a minimum of 1,000 hours of employment from the date of hire
is qualified to participate in the Plan.

Participant Accounts

Each participant's  account is credited with the participant's  contribution and
allocations of (a) the Company's contribution and (b) Plan earnings. Allocations
are based on participant  earnings or account  balances,  as defined.  Forfeited
balances under the Plan are used to reduce the Company's matching contributions.
Each  participant  is  entitled to the  benefit  that can be  provided  from the
participant's vested account.

Payment of Benefits

The Plan allows a  participant  to withdraw all or a part of the value of his or
her  account  that was  contributed  prior to January  1,  1988.  The value of a
participant  account  attributable to  contributions  after that date may not be
withdrawn except in cases of extreme financial  hardship.  Hardship  withdrawals
are  subject  to the  approval  of the  Administrative  Committee,  and any such
withdrawal  will be limited to the  amount of actual  contributions  made to the
Plan.  Gains  associated with the  contributions or any of the matching Fund III
amounts may not be withdrawn for any reason.  On  termination of services due to
death,  disability  or retirement a  participant  may elect to receive  either a
lump-sum amount equal to the value of the  participant's  vested interest in his
or her  account,  or  annual  installments  over a stated  period of time not to
exceed life expectancy.

Participant Loans

Participants  may  request  a loan from the  401(k)  portion  of their  elective
accounts  under the  terms  and  conditions  established  by the  Administrative
Committee.  The amount that may be borrowed  is limited in  accordance  with the
Internal  Revenue Code Section 72(p).  Loans will be made for a period no longer
than five years, except for loans used to acquire a primary residence, which may
not exceed ten years. The loans are secured by the balance in the  participant's
accounts and bear interest at current  market  rates.  Principal and interest is
paid ratably through payroll deductions.

Vesting

Company  contributions  vest to the  participant 30 percent after three years of
employment,  40 percent  after four years and an additional 20 percent each year
thereafter until the participant is fully vested in Company  contributions after
seven years.  Non-vested balances of terminated  participants are used to reduce
the Company's contributions.


(2) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of Presentation

The  accompanying  financial  statements  of the Plan have been  prepared on the
accrual basis of accounting.  Certain  reclassifications have been made to prior
year results to conform with the current year's presentation.

Use of Estimates

The preparation of financial  statements in conformity  with generally  accepted
accounting principles requires management to make estimates and assumptions that
affect  the  reported  amounts  of assets  and  liabilities  and  disclosure  of
contingent assets and liabilities at the date of the financial  statements,  and
the  reported  amounts of revenues  and expenses  during the  reporting  period.
Actual results could differ from those estimates.

Valuation of Investments and Income Recognition

The  investments  of the Plan in Funds I and V through IX are  reported  at fair
value  based  upon the net asset  value of the  mutual  fund  shares  held.  The
investments in Funds II and III are reported at fair value based upon December's
average bid price.  Investments in Fund IV are reported at the contract value as
stated in the guaranteed  interest contract,  which approximates fair value (see
Note 5). The cost of  investments  sold is determined on the average cost basis.
Participant loans are valued at cost, which  approximates fair value.  Purchases
and sales or  securities  are  recorded  on the trade date.  Interest  income is
recorded on the accrual basis. Dividends are recorded on the ex-dividend date.

Expenses

With the exception of mutual fund administrative fees, costs associated with the
administration of the Plan are borne by the Company.

Payments of Benefits

Benefits are recorded when paid.


(3) INVESTMENT OPTIONS

Upon enrollment in the Plan, a participant may direct employee  contributions in
1 percent increments in any of the following investment options:

Fund I

          American  Century  Growth  Stock  Fund - This fund  invests  mostly in
          larger domestic companies that are growing at an accelerating pace.

FundsII and III

          Kansas City Life  Insurance  Company  Common  Stock - The Company is a
          Missouri  domiciled  life  insurance  company and is the Plan sponsor.
          Employer  matching   contributions  (which  represent  non-participant
          directed investments) are invested in Fund III. Employee contributions
          may be invested in Fund II at the direction of the employee.

Fund IV

          MetLife Managed Guaranteed Interest Contract - MetLife guarantees both
          principal and a rate of interest. Refer to Note 5.

Fund V

          Vanguard  Bond Index Fund -  Investment  grade  bonds are the  primary
          investments  for this fund.  The objective of the fund is to duplicate
          the investment performance of the Lehman Aggregate Bond Index.

Fund VI

          Templeton  Foreign Fund - This fund seeks long-term  capital growth by
          investing in stocks and bonds of foreign companies and governments.

Fund VII

          Vanguard  Balanced Index Fund - This fund's assets are divided between
          stocks  and  bonds,  with an  average  of 60  percent of the assets in
          stocks and 40 percent in bonds.  The stock  segment  attempts to match
          the performance of the Wilshire 5000 Index.  The bond segment attempts
          to match the performance of the Lehman Brothers Aggregate Bond Index.

Fund VIII

          Fidelity  Value  Fund  -  This  fund  seeks  capital  appreciation  by
          investing in domestic and foreign  companies  which  possess  valuable
          fixed  assets  or are  undervalued  relative  to  earnings  or  growth
          potential.

Fund IX

          Vanguard Index Trust-Extended Market Fund - The fund's objective is to
          match the  performance  of the Wilshire  4500,  a broadly  diversified
          index of medium and small domestic companies.


(4) INVESTMENTS

The fair value of individual investments that represent 5 percent or more of the
Plan's participating employees' net assets available for plan benefits follow.

<TABLE>
<CAPTION>

Participant Directed Investments                                              2000        1999       1998

                                                                                       (in thousands)
<S>                                                                          <C>         <C>        <C>
American Century Growth Stock Fund,
     258,145 shares (215,871 shares -1999, 194,970 shares-1998)                $6,195      6,968      5,295
Kansas City Life Insurance Company common stock,
     114,392 shares (92,329 shares -1999, 50,586 shares-1998)                   3,859      3,175      4,182
MetLife Managed Guaranteed Interest Contract                                    4,192      3,850      5,258
Templeton Foreign Fund,
     253,355 shares (287,936 shares -1999, 299,258 shares-1998)                 2,620      3,231      2,511
Fidelity Value Fund,
     76,160 shares (76,941 shares-1999, 72,449 shares-1998)                     3,530      3,371      3,358


Non-Participant Directed Investments

Kansas City Life Insurance Company common stock,
     686,774 shares (661,366 shares-1999, 379,679 shares-1998)                $23,166     22,744     31,390
</TABLE>


The fair value of the Plan's investments has changed as follows.

<TABLE>
<CAPTION>

                                    Net                             Net                             Net
                               Appreciation                    Appreciation                     Appreciation
                              (Depreciation)                  (Depreciation)                   (Depreciation)
              Fair Value       In Fair Value    Fair Value     In Fair Value    Fair Value     In Fair Value
                                                       (in thousands)
                           2000                            1999                             1998

<S>               <C>            <C>               <C>           <C>               <C>            <C>
Fund I             $6,195        (1,852)            6,968         1,066             5,295            488
Fund II             3,859           274             3,175          (671)            4,182           (170)
Fund III           23,166          (336)           22,744        (4,819)           31,390         (1,490)
Fund IV             4,192             -             3,850             -             5,258              -
Fund V              1,008            36               757           (55)              748             13
Fund VI             2,620          (231)            3,231           845             2,511           (378)
Fund VII            1,433           (77)            1,258           108             1,119            109
Fund VIII           3,530           197             3,371          (139)            3,358           (473)
Fund IX             1,859          (608)            2,119           357             1,416              1
Total             $47,862        (2,597)           47,473        (3,308)           55,277         (1,900)
 </TABLE>


(5) GUARANTEED INTEREST CONTRACT

In 1993, the Plan entered into a benefit-responsive guaranteed interest contract
with MetLife Insurance Company (MetLife). MetLife maintains the contributions in
a general  account.  The account is  credited  with  earnings on the  underlying
investments and charged for participant withdrawals and administrative expenses.
The  contract is  included  in the  financial  statements  at contract  value as
reported to the Plan from MetLife.  Contract value represents contributions made
under  the  contract  plus  earnings  and  less   participant   withdrawal   and
administrative  expenses.  Participants may ordinarily  direct the withdrawal or
transfer of all or a portion of their investment at contract value. There are no
reserves  against  contract  value for  credit  risk of the  contract  issuer or
otherwise.  The average yield and crediting  interest rates were approximately 6
percent for 2000 and 1999 and 7 percent for 1998. The crediting interest rate is
based upon an agreed-upon formula with the issuer, but cannot be less than zero.
Such interest rates are reviewed on a quarterly basis for resetting purposes.

(6) TAX STATUS

The Internal Revenue Service has issued a determination letter dated January 20,
2000  that,  in form,  the Plan  and  Trust  forming  a part  thereof,  meet the
requirements of the Internal Revenue Code Section 401(a) as a qualified plan and
trust. If the Plan qualifies in operation,  the Trust's  earnings will be exempt
from  taxation,  the  Company's  contributions  will  be  deductible,  and  each
participant  will  incur no  current  tax  liability  on  either  the  Company's
contributions or any earnings of the trust credited to the participant's account
prior to the time that such  contributions  or earnings  are  withdrawn  or made
available to the participant. At the time a distribution occurs, whether because
of retirement,  termination, death, disability or voluntary withdrawal of funds,
any amounts  distributed  comprised of Company  contributions,  employee  pretax
contributions,  and earnings on  contributions of the Company or the participant
shall be taxed to the  participant  at the tax  rate  then in  effect.  The Plan
administrator  believes  the  Plan is  being  operated  in  compliance  with the
applicable  requirements of the Internal Revenue Code and,  therefore,  believes
that the Plan is qualified and the related trust is tax-exempt.

(7) PLAN TERMINATION

Although the Company has not  expressed any intent to terminate the Plan, it may
do so at any time by adoption of a written  resolution by the Company's Board of
Directors or the Executive Committee of the Board of Directors. Upon termination
of  the  Plan,   participants'   accounts   would   become   fully   vested  and
non-forfeitable and distributions would be made as promptly as possible.


Kansas City Life Insurance Company
Savings and Profit Sharing Plan
Assets Held for Investment Purposes at Year End
December 31, 2000

(In Thousands, Except Shares)

                                       Number of
                                       Shares or
       Description of Investment       Par Value         Cost       Fair Value

Participant directed investments:

Mutual funds:
American Century Growth Stock Fund   258,145 shares    $5,829          6,195
Vanguard Bond Index Fund             101,191 shares       998          1,008
Templeton Foreign Fund               253,355 shares     2,315          2,620
Vanguard Balanced Index Fund          75,119 shares     1,249          1,433
Fidelity Value Fund                   76,160 shares     3,486          3,530
Vanguard Index Trust-Extended
   Market Fund                        69,834 shares     2,003          1,859
  Total mutual funds                                   15,880         16,645

Guaranteed interest contract:
MetLife Managed Guaranteed
  Interest Contract                 $4,192 par value    4,192          4,192

  Total participant directed
     investments                                      $20,072         20,837


Non-participant directed investments:

Common stock:
Kansas City Life
  Insurance Company *                801,166 shares   $16,736         27,025

Loans:
Loans to participants (interest
  rates range from 6.5 percent to
  10.0 percent due January 2001 to
  February 2011)                                        1,304          1,304

  Total non-participant
    directed investments                              $18,040         28,329

* Party-in-interest to the Plan.



             See accompanying independent auditor's report.



                          Independent Auditors' Report



Board of Directors
Kansas City Life Insurance Company



We have  audited the  statement  of net assets  available  for plan  benefits of
Kansas City Life Insurance  Company Savings and Profit Sharing Plan (Plan) as of
December 31, 2000 and the related  statement of changes in net assets  available
for  benefits  for the year then ended and the  supplemental  schedule of assets
held for  investment  purposes at year end for the year ended December 31, 2000.
These financial  statements and supplemental  schedule are the responsibility of
the  Plan's  management.  Our  responsibility  is to express an opinion on these
financial statements based on our audit.

We conducted our audit in accordance with auditing standards  generally accepted
in the  United  States of  America.  Those  standards  require  that we plan and
perform the audit to obtain  reasonable  assurance  about  whether the financial
statements are free of material misstatement.  An audit includes examining, on a
test basis,  evidence  supporting  the amounts and  disclosures in the financial
statements.  An audit also includes assessing the accounting principles used and
significant  estimates  made by  management,  as well as evaluating  the overall
financial  statement  presentation.   We  believe  that  our  audit  provides  a
reasonable basis for our opinion.

In our opinion,  the financial  statements  referred to above present fairly, in
all material respects, the financial status of the Plan as of December 31, 2000,
and the changes in its  financial  status for the year then ended in  conformity
with accounting principles generally accepted in the United States of America.

Our audit was made for the purpose of forming an opinion on the basic  financial
statements  taken as a whole.  The  supplemental  schedule  of  assets  held for
investment  purposes at year end is not a required  part of the basic  financial
statements,  but is  supplementary  information  required by the  Department  of
Labor's Rules and  Regulations  for Reporting and Disclosure  under the Employee
Retirement  Income  Security  Act of  1974.  The  supplemental  schedule  is the
responsibility  of the Plan's  management.  The  supplemental  schedule has been
subjected to the auditing procedures applied in the audit of the basic financial
statements  and, in our opinion,  are fairly stated in all material  respects in
relation to the basic financial statements taken as a whole.

                                    KPMG LLP


March 20, 2001
Omaha, Nebraska




                         Report of Independent Auditors


The Board of Trustees
Kansas City Life Insurance Company
  Savings and Profit Sharing Plan

We have  audited the  accompanying  statement of net assets  available  for plan
benefits of the Kansas City Life  Insurance  Company  Savings and Profit Sharing
Plan (the Plan) as of December 31, 1999,  and the related  statements of changes
in net  assets  available  for plan  benefits  for each of the two  years in the
period then ended.  These  financial  statements are the  responsibility  of the
Plan's  management.  Our  responsibility  is to  express  an  opinion  on  these
financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted
in the United States. Those standards require that we plan and perform the audit
to obtain reasonable  assurance about whether the financial  statements are free
of material misstatement. An audit includes examining, on a test basis, evidence
supporting  the amounts and  disclosures in the financial  statements.  An audit
also includes assessing the accounting principles used and significant estimates
made by  management,  as well as  evaluating  the  overall  financial  statement
presentation.  We believe  that our audits  provide a  reasonable  basis for our
opinion.

In our opinion,  the financial  statements  referred to above present fairly, in
all material respects, the net assets available for plan benefits of the Plan at
December 31, 1999, and the changes in its net assets available for plan benefits
for each of the two years in the period then ended in conformity with accounting
principles generally accepted in the United States.


                                                               Ernst & Young LLP

Kansas City, Missouri
February 18, 2000