# TENTH
AMENDMENT

# KANSAS CITY
LIFE DEFERRED COMPENSATION PLAN

# ARTICLE I

# Creation and
Purpose

|1. | It is the intention of the Company to establish this Plan of deferred
compensation for the benefit of designated employees whose contributions have
been restricted by law and regulation under the Kansas City Life Insurance
Company Savings and Profit Sharing Plan.               
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|2. | By enrolling in this Plan, an employee agrees to defer a portion of his or her
current earnings. It is the intent of this Plan that accumulated and vested
benefits will be paid to such participants at the time of retirement,
termination, death or total and permanent disability.

# ARTICLE II

# Definitions

| | (a) | Salary shall mean only the fixed amounts, weekly, semi-monthly, or
monthly, due and payable to the employee by the Company, and does not include
any bonuses, overtime pay or other extraordinary payments by the Company.                                                                                                                                                                                                                         
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| | (b) | "Deferred compensation" shall mean the amount of salary
                  not yet earned, which the participant and the Company mutually agree shall be deferred in accordance with the
                  provisions of this Plan.                                                                                                                                                                                                                   
| | (c) | Normal retirement shall mean termination from em-ployment with the
Company becoming effective on or about the first day of the calendar month
following the participants attainment of age sixty-five (65).                                                                                                                                                                                                                                       
| | (d) | Early retirement shall mean retirement from employment with the
Company on the first day of any month following a participants fifty-fifth
(55th) birthdate with the attainment of at least five years of employment. For
purposes of determining the attainment of at least five (5) years of employment,
the years of employment of a participant with Old American Insurance Company
prior to November 1, 1991 shall not be taken into account.
| | (e) | "Termination of employment" shall mean the severance of the participant's employment with the Company prior to his
                  or her eligibility for retirement.                                                                                                                                                                                                                                                                              
| | (f) | Participant shall mean any employee of Kansas City Life Insurance
Company, or any subsidiary corporation, under the rules of common law, who shall
be a member of a select group of management or highly compensated employees
designated for participation by Kansas City Life Insurance Company from time to
time.                                                                                                                               
| | (g) | Company means Kansas City Life Insurance Company, a Missouri
Corporation, Sunset Life Insurance Company of America, a Missouri Corporation,
Old American Insurance Company, a Missouri Corporation and any other subsidiary
corporation of Kansas City Life Insurance Company, any or all of which may
sometimes be referred to herein as affiliated corporations.                                                                                 
| | (h) | Company stock shall mean shares of the common capital stock of
Kansas City Life Insurance Company.                                                                                                                                                                                                                                                                                                                                                 

# ARTICLE III

# Administration

|1. | The Administrative Committee, sometimes herein referred to as the
Committee, shall consist of a number of persons, not less than three
(3) nor more than five (5), designated by the Executive Committee of Kansas City
Life Insurance Company, who shall serve terms of one (1) year or until their
successors are designated, and said Committee shall have the responsi-bility for
the general administration of the Plan and for carrying out the provisions of
the Plan in accordance with its terms. The Committee shall have absolute
discretion in carrying out its responsibilities.                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
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|2. | The Committee may appoint from its members such committees with such powers as
it shall determine; may authorize one (1) or more of its number or any agent to
execute or deliver any instrument or make any payment on its behalf; and may
utilize counsel, employ agents and provide for such clerical and accounting
services as it may require in carrying out the provisions of the Plan.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|3. | The Committee shall hold meetings upon such notice, at such place or places, and
at such time or times as it may from time to time determine.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|4. | The action of a majority of the members expressed from time to time by a vote in
a meeting or in writing without a meeting shall constitute the action of the
Committee and shall have the same effect for all purposes as if assented to by
all members of the Committee at the time in office.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|5. | No member of the Committee shall receive any compensation for his services as
such, and, except as required by law, no bond or other security shall be
required of him in such capacity in any jurisdiction.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
|6. | Subject to the limitations of this Plan and Trust, the Commit-tee from time to
time shall establish rules or regulations for the administration of the Plan and
the transaction of its business. The Committee shall have full and complete
discretionary authority to construe and interpret the Plan and decide any and
all matters arising hereunder, except such matters which the Executive Committee
of the Company from time to time may reserve for itself, including the right to
remedy possible ambiguities, inconsistencies or omissions. All interpretations,
determinations and decisions of the Committee or the Executive Committee of
Kansas City Life Insurance Company in respect of any matter hereunder shall be
final, conclusive and binding on all parties affected thereby. The Committee
shall, when requested, submit a report to the Executive Committee of Kansas City
Life Insurance Company giving a brief account of the operation of the Plan and
the performance of the various funds and accounts established pursuant to the
Plan.
|7. | The Administrative Committee shall have full and complete discretionary
authority to make all determinations as to the right of any person to a benefit.
Any denial by the Committee of a claim for benefits under this Plan by a
participant or a beneficiary shall be stated in writing by the Committee and
delivered or mailed to the participant or the beneficiary, whichever is
appropriate; and such notice shall set forth the specific reason for the denial,
written to the best of the Committees ability in a manner that may be
understood without legal or actuarial counsel. In addition, the Committee shall
provide a reasonable opportunity to any participant or beneficiary whose claim
for benefits has been denied for a review of the decision denying the claim.                                                                                                                                                                                                                                                                            
|8. | Any member of the Committee may resign by giving notice to the Executive
Committee at least fifteen (15) days before the effective date of his
resignation. Any Committee member shall resign upon request of the Executive
Committee. The Executive Committee shall fill all vacancies on the Committee as
soon as is reasonably possible after a resignation takes place, and until a new
appointment takes place, the remaining members of the Committee shall have
authority to act, if approved by either a majority of the remaining members or
by two (2) members, whichever number is lesser.                                                                                                                                                                                                                                                                                                                                                                                                                                                                 

# ARTICLE IV

# Participation
in the Plan

|1. | A qualified employee may commence his participation in this Plan as of the first
day of the month coinciding with or next following his designation, whichever
first occurs. He shall be notified of his eligibility from time to time by the
Company.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
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|2. | The eligible employee who desires to participate must execute a salary reduction
agreement in form prescribed by the Company, and the employee shall thereby
agree to the terms of this Plan and any amendments hereafter adopted.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|3. | At such time as the participating employee is no longer qualified, because of
the criteria established by this Plan, no further salary reductions shall be
made until he shall again be qualified and have elected to participate.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|4. | Commencing January 1, 1998, each participant may elect to have his or her salary
reduced in an amount equivalent to one per-cent (1%) through fifteen percent
(15%), and commencing January 1, 2002, through twenty-five percent (25%), and
said amount shall be withheld by payroll deduction. These amounts shall be the
participants deferred compensation. Commencing January 1, 1998, the amount
subject to this reduction shall not exceed nine percent (9%), and, commencing
January 1, 2002, twenty-five percent (25%) of annual salary. Prior to January 1,
2002, if the participants elective deferrals to the Kansas City Life
Insurance Company Savings and Profit Sharing Plan exceed ten thousand dollars
($10,000.00) during any year (subject to annual adjustments of this amount in
the Kansas City Life Insurance Company Savings and Profit Sharing Plan under
Internal Revenue Code Sections 415(d), 402(g) and regulations), an additional
amount in excess of nine percent (9%) of annual salary may be contributed by the
participant. The additional amount contributed may not exceed fifteen percent
(15%) of annual salary. Commencing January 1, 2002, if the participants
elective deferrals to the Kansas City Life Insurance Company Savings and Profit
Sharing Plan exceed the dollar limitation in Internal Revenue Code Section
402(g), the additional amount contributed may not exceed twenty-five percent
(25%) of annual salary. A participant may change the percentage contribution
rate as of the first day of any month, but not more than once in any six (6)
month period pursuant to the rules of the Kansas City Life Insurance Company
Savings and Profit Sharing Plan. However, this limitation shall not apply to a
change in percentage contribution rate made effective January 1, 1998, or a
change in percentage contribution rate made effective January 1, 2002. The
contributions herein may sometimes be referred to as the participants
elective account.
|5. | The Company shall maintain accounts reflecting the amount of salary withheld
from an individual pursuant to this Plan, and the balance in each
participants elective account shall be fully vested at all times. The
assets reflected in such accounts shall be owned by the Company and shall be
subject to the claims of the Companys creditors.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|6. | At such time as Kansas City Life Insurance Company shall determine, it may
provide a means whereby the respective participant may direct the investment of
the value of his elective accounts during the period of his participation in the
Plan. The valuation of the participants account shall be made by the
Company not less often than quarterly, and the participant shall be entitled to
receive an investment report from time to time.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|7. | Amounts held in a participants elective account shall be distributed to
him or her within a period of ninety (90) days following his retirement,
termination of employment, death, or total and permanent disability as
determined under the law and regulations regarding Social Security.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              

# ARTICLE V

# Company
Contributions

|1. | The Company shall, with respect to each participant, maintain an account in an
amount equal to one hundred percent (100%) of such participants
contribution resulting from his salary reduction agreement prior to December 31,
1997. The Company may, solely at its discretion, add additional amounts for the
accounts of designated individuals as offsetting deferred compensation for
amounts which would have otherwise been credited to them except for regulatory
restrictions. Com-mencing January 1, 1998, with respect to participants whose
elective deferrals to the Kansas City Life Insurance Company Savings and Profit
Sharing Plan exceed ten thousand dollars ($10,000.00) during any year (subject
to annual adjustments of this amount under Internal Revenue Code Sections
415(d), 402(g) and regulations), and, commencing January 1, 2002, exceed the
dollar limitation contained in Internal Revenue Code Section 402(g), these
additional amounts will include an amount equal to that which would otherwise
have been con-tributed for these participants as a matching contribution under
the Kansas City Life Insurance Company Savings and Profit Sharing Plan. Such
Company contributions account shall be separate from the participants
elective account. Commencing January 1, 2000, with respect to participants whose
compensation exceeds the annual compensation limit of one hundred seventy
thousand dollars ($170,000.00) during any year [subject to annual adjustments of
this amount under Internal Revenue Code Sections 401(a)(17) and 404(l)], these
additional amounts will include an amount equal to that which otherwise would
have been contributed for these participants but for the annual compensation
limit as a profit sharing contribution to the Kansas City Life Insurance Company
Savings and Profit Sharing Plan for those years in which such a contribution was
made to that Plan. Such Company contributions shall be kept separate from the
participants elective account and matching contribution account. Such
Company contributions account shall be separate from the participants
elective account. Gains and losses regarding the value of such accounts shall be
determined by the changes in market value of the common capital stock of the
Company and the accumulation of dividends. In the event of any change in the
outstanding stock of the Company by reason of a stock dividend,
recapitalization, merger, consolidation, exchange of shares, or any similar
device, the account balance shall be adjusted appropriately.
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|2. | For purposes of fixing the amount of contributions made pursuant to this
paragraph, the value of stock shall be at the average of its bid price on the
over-the-counter market for all business days following the previous monthly
valuation date. The participant shall not have the right to direct the
investment of the Company account established for his benefit.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|3. | The balance in the Company account established for each participant shall be
subject to the vesting provisions of Article VII. The value of the Company
account for such participant shall be distributed to him or her at the time of
his retirement, termination of employment, death or total and permanent
disability as defined under the law and regulations of the Social Security law.
The participant shall not be entitled to shares of the Company stock, and shall
be entitled only to cash.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          

# ARTICLE VI

# Allocation
to and Evaluation of Participants Accounts

|1. | Investment funds. The value of all accounts shall be determined on the
basis of market values as of the last market business day of each month, except
that when the value of any account is determined based upon the value of Kansas
City Life stock the Kansas City Life stock shall be valued at the average of its
bid price on the over-the-counter market for all business days following the
previous monthly valuation date. Accounting procedures shall reflect the
establishment of at least four (4) separate accounts, sometimes herein referred
to as Fund I, Fund II, Fund III and Fund IV, and commencing September 1, 1993,
five (5) additional separate accounts shall be established, sometimes
hereinafter referred to as Fund V, Fund VI, Fund VII, Fund VIII and Fund IX,
and, commencing July 1, 2001, one (1) additional separate account shall be
established, sometimes hereinafter referred to as Fund X, with the intent that
all participants deferred compensation, and any earnings thereon, will be
accounted for in Fund I, Fund II, Fund IV, Fund V, Fund VI, Fund VII, Fund VIII,
Fund IX and Fund X, and with the intent that all Company contributions, and any
earnings thereon, will be accounted for in Fund III. The value of deferred
compensation referenced to Funds I, IV, V, VI, VII, VIII, IX and X shall be
determined by the Companys general investments and the values of Funds II
and III shall be determined by reference to the stock of Kansas City Life
Insurance Company. The Company shall have the right to segregate and maintain in
trust specific assets for the purpose of valuing, managing and holding assets
for the respective accounts.                                                                                                                                                                                                                                                                                   
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|2. | Participants accounts. An account shall be established for each
participant with respect to Fund I, Fund II, Fund III and with respect to Fund
IV, Fund V, Fund VI, Fund VII, Fund VIII, Fund IX and Fund X or any other such
fund that reasonable accounting practices shall require be established. All
Funds shall be maintained in United States dollars. A determination shall be
made on each monthly valuation date of the value with respect to each fund, and
shall reflect contributions made by both the participant and the Company and any
gains or losses of the funds. Notwithstanding the foregoing, the Company shall
have the right to change the method of accounting from time to time.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|3. | Selected investment. Commencing September 1, 1993, a par-ticipants
deferred compensation may be invested one hundred percent (100%) in any one (1)
of Funds I, II, IV, V, VI, VII, VIII or IX, and, commencing July 1, 2001, Fund X
or if he wishes to invest in more than one (1) fund, he shall specify the
percentage to be invested in each fund. However, such percentage must be a whole
percentage, for example, one percent (1%), twenty-six percent (26%) or eighty
percent (80%), and no fractional percentages will be permitted. Each participant
may make new investment choices for his deferred compensation to be effective
September 1, 1993 notwithstanding any changes made in the prior twelve (12)
months. Thereafter, a participant may request changes not more often than once a
month. However, if a participant is investing all or a portion of his deferred
compensation in Fund II and transfers all or a part of his Fund II account to
another fund (as described in the following paragraph 4), deferred compensation
investment in Fund II must cease until at least six (6) months from the date of
said transfer from Fund II. The participants deferred compensation shall
also be invested in the same manner as the participant shall have designated
pursuant to the rules of The Kansas City Life Insurance Company Savings and
Profit Sharing Plan.

Commencing
November 1, 1996, a participant may request changes in the investment choices
not more often than once a month without regard to investment choices made in
the Kansas City Life Insurance Company Savings and Profit Sharing Plan. However,
if a participant is investing all or a portion of his deferred compensation in
Fund II and transfers all or a part of his Fund II account to another fund (as
described in the following Paragraph 4), deferred compensation investment in
Fund II must cease until at least six (6) months from the date of said transfer
from Fund II.
|4. | Investment changes. Commencing September 1, 1993, any par-ticipant shall
have the right not more often than once a month and notwithstanding any
transfers made in the twelve (12) months prior to September 1, 1993, to require
the value of any one (1) or more of his accounts be transferred for his account
in any of Funds I, II, IV, V, VI, VII, VIII or IX, and, commencing July 1, 2001,
Fund X provided such transfer shall be in whole percentages. This right shall
not apply to Fund III, and a participant that transferred the value of his
account from Fund II to another fund in the six (6) months prior to September 1,
1993 may not transfer any amount into Fund II until at least six (6) months
after the date of said transfer from Fund II. Thereafter, transfers to or from
Fund II may occur only once in a six (6) month period. Such transfers shall also
be governed by reasonable rules of the Committee regarding the timeliness of
notice. Such transfers shall only occur at such time, and in the same manner, as
the participant shall have designated pursuant to the rules of the Kansas City
Life Insurance Company Savings and Profit Sharing Plan.
Commencing
November 1, 1996, the participant may require the value of his accounts be
transferred not more often than once a month to any one (1) or more of the other
funds without regard to transfers made in the Kansas City Life Insurance Company
Savings and Profit Sharing Plan except for Fund II. Transfers to or from Fund II
may only occur once in a six (6) month period and must be transferred at such
time and in the same manner as the participant shall have designated pursuant to
the rules of the Kansas City Life Insurance Company Savings and Profit Sharing
Plan.                                                                                                                                                                                                       

# ARTICLE VII

# Vesting

|1. | The value of a participants account with respect to Company contributions
made for his benefit shall be vested, to the extent of the percentage
applicable, upon the valuation date of the month in which the participant
completes the years of employment with the Company in accordance with the
following schedule:
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`Years of                Percentage
                  Employment                 Vested
                  ----------               ----------

                        1                          0
                        2                          0
                        3                         30
                        4                         40
                        5                         60
                        6                         80
                        7                        100

         Commencing January 1, 2002, the schedule shall be as follows:

                     Years of                Percentage
                    Employment                 Vested
                    ----------               ----------

                        1                          0
                        2                         20
                        3                         40
                        4                         60
                        5                         80
                        6                        100`

|2. | A year of employment shall mean a twelve (12) consecutive monthly
period of employment with the Company dating from commencement of employment,
during which he or she shall complete at least one thousand (1,000) hours of
employment. If an employees employment with either Kansas City Life
Insurance Company or one of its affiliated corporations shall be terminated, and
he is immediately employed by any other of such affiliated corporations, his
employment shall be regarded as continuous and treated as if under one employer
for vesting purposes. However, years of employment of an employee of Old
American Insurance Company prior to November 1, 1991 shall not be taken into
account for purposes of this Article VII.
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|3. | In the event a participant shall be terminated from employment with the Company
or any of its affiliated corporations, by reason of death or retirement or early
retirement as defined herein, the value of his account shall be one hundred
percent (100%) vested upon the valuation date of the month in which such death
or retirement occurs, and shall be distributed to him or her within a period of
ninety (90) days thereafter.                                                                                                                                                                                                                                                                                                         

# ARTICLE VIII

# Miscellaneous

|1. | All distributions provided or pursuant to this Plan shall be in the form of a
lump sum payment. If a payment is made as a result of the death of the
participant, the payment shall be made to the surviving spouse of the
participant, if any, unless a beneficiary designation has been provided.                                                                                                                                                                                                        
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|2. | Any participant or retired participant shall have the right to designate a new
beneficiary at any time by filing with the Company a written request for such
change, but any such change shall become effective only upon receipt of such
request by the Company. Upon receipt by the Company of such request, the change
shall relate back to and take effect as of the date such participant signs such
request whether or not such parti-cipant is living at the time the Company
receives such request.
|3. | If there be no designated beneficiary living or in effect at the death of such
participant when any payment hereunder shall be payable to the beneficiary, then
such payment shall be made as follows: To such participants spouse, if
living; if not living, to such participants then living lineal
descendants, in equal shares, per stirpes; if none survives, to such
par-ticipants surviving parents, equally. If neither survives, to such
participants executors or administrators.            
|4. | The interest hereunder of any participant, retired participant or beneficiary
shall not be alienable, either by assignment or by any other method, and to the
maximum extent permissible by law, shall not be subject to being taken, by any
process whatever, by the creditors of such participant, retired participant or
beneficiary.                                                                                                                                                                   
|5. | Nothing herein contained nor any action taken under the provisions hereof shall
be construed as giving any employee the right to be retained in the employment
of the Company.                                                                                                                                                                                                                                                                                                                             
|6. | The Company shall have the right to amend or terminate this Plan at any time.